I was in a car accident yesterday. A person ran a red light as I was entering an intersection and ripped across the front of my car. Bumper cover was destroyed, and the hood won't open now. Unfortunately there were no witnesses (no one stopped, anyway), and the other person's insurance company (Allstate) says I'm at fault (I suspect the other driver lied about running the light). Is it worth the effort trying to sue for what is likely to be $10,000 or less in damage? Will it be possible to get an attorney to take such a small case?

Has anyone else had issues with them. Recently had hail damage to home and they gave my contractors heck. The adjuster did a half azz job while taking notes for the claim. Contractors came and wanted to add more due to the OBVIOUS DAMAGE that was left off. They denied it. Meanwhile im watching my neighbors get their siding replaced along with their sheds lol. Im between these two homes at that. They also called contractors lying saying photos weren't real and I had to go and prove and sign off that they were. You pay as you should and when its time to use them they nickel and dime you.

Sorry everyone this is a long one and I don’t have a good way to TLDR it. Just for a quick note, I have USAA for auto insurance and my vehicle is a 2017 Corvette Z06 in 3LZ trim, Z07 package, and 52k miles. I own the car outright and it is titled/registered in NH. So a little while ago I was driving in heavy rain, hydroplaned, lost control, hit another car in a few places not too hard, and slid into the median. The cosmetic damage is pretty bad. A few body panels and aerodynamic parts of the car were damaged and will need to be completely replaced, as you can’t repair fiberglass/carbon fiber. I estimated myself that the cosmetic damage alone would cost $25-$30k (take that for what it is, I’m not expert lol). I had a chance to look under the car and nothing looked terrible - only thing of concern was a rear wheel that was canted slightly outwards. I towed it to a shop and they’ve found no frame damage; they’re saying it’s completely repairable. USAA got an adjuster to do an estimate on the repairs and it came out to almost $32k without having taken apart the vehicle. Their estimate also included a substantial amount of work being done on the rear suspension, if needed, which is probably the only mechanical part of the car which would’ve been damaged. Their Actual Cash Value (ACV) for the car came out to be almost $61k at the time, and since the repairs were estimated to be over 50% of the ACV, they deemed it a total loss immediately. But I knew that ACV was wrong, because no low ballers, I know what I got. In all seriousness, their report included the methodology for calculating the ACV - they compare my car to two similar cars for sale in the area. However they made a mistake and compared my car to two base model Corvettes which, brand new, went for anywhere from $30k-$45k cheaper at MSRP. They also left out very valuable features my car had as OEM equipment like the carbon ceramic brakes which go for about $16k brand new. Obviously I know I’m not getting full value for these things, I’m just saying they certainly add value. Anyway, they admitted their mistake in comparing my car to two non-comparable vehicles and redid the calculation. The new ACV is almost $87k now. Now, I know a lot of you if not all of you will say take the money and run, but this is a dream car for me - it’s spec’d perfectly and I’ve done a lot of work on this car all by myself, so it has a lot of meaning for me. I could take the owner retainment settlement option and receive $48k, repair the car myself, and pocket extra money (because I know these repairs wouldn’t cost more than $48k), but they would issue a salvage title, and I couldn’t do that because I’d still want full coverage on the car. But even with this new (and correct) ACV, USAA refuses to not call this car a total loss. Repairs would have to exceed $43k to be over 50% ACV and, by their own definition, be a total loss. Additionally, in the state of NH, generally when a vehicle is involved in a collision the damages need to exceed 75% of the ACV to be deemed a total loss. This is what USAA has recently sent me as I’m still fighting them to get the repairs done, “I can understand your point, however there was no mistake in deeming the vehicle a total loss at start, you were interested in more value in the settlement. The fact that the added value was reviewed doesn't remove it from a total loss stance. We still report it to the State as a total loss, the features and conditions that were modified as a courtesy increased the value here.” So my question is, can they do this? Still deem it a total loss even though from the start their calculation of the ACV was incorrect? I disagreed the car was a total loss from the very beginning, I wasn’t looking to get more money from the settlement, I just wanted to ACV to be correct. I’m not even looking to pocket any money from this, I just want my car fixed.

I got into a car accident almost a year ago. The person I got into the accident with was insured by State Farm, the accident was in late May, she opened the policy at the beginning of May. At the time of the accident when I called State Farm to attempt to file a claim with their party’s insurance, I was told they couldn’t find the policy in the system. Upon following up numerous times State Farm ultimately denied coverage and I had to open a claim with my insurance. I was not at fault if that matters… My vehicle was totaled out, I paid my deductible and bought a new car with the check issued by my insurance. My insurance was unable to recover my deductible from the driver or State Farm and ultimately sent the file to collections. After the file was sent to collections they were able to recover the deductible, however are unable to tell me who made the payment. Fast forward a year later I get a call from State Farm regarding the accident. Apparently the driver was covered at the time, and they’re offering a settlement. I called my insurance to inquire if they knew the driver was covered and they sent over a copy of State Farm’s written statement denying coverage… accept the person listen under “Our Insured:” doesn’t match the name of the driver which is the same name on the policy information. My question is, I already signed the release for the settlement but this something worth following up on? I spoke to State Farm to ensure the party was actually covered and they confirmed she was. Or should I just wait for payment and let it be?

Amy guidance is appreciated. I was driving down a street when a car t-boned me, I spun around in oncoming traffic. I was able to move my car safely. The driver who hit me walks up and says it is his fault. I get my phone out and start recording, I asked him to say it again, he asked if I was recording, I said yes. He said that was fine but when I asked him to repeat what he said, he said it to let the insurance company handle it and laughed. I get taken the to ER just to be safe and I was released shortly. I was given a 2 day work off work note. I immediately reported it to my insurance company. They said they will reimburse me for my medical. The other driver admitted to his insurance that it was his fault so my insurance waived my deductible and will pay for my rental car for 30 days but my insurance will not pay for my lost wages. 2 days later I go to urgent care because now I'm feeling it and I get another doctors note to take me off work for a few more days. I'm very nervous to drive. Now, the other insurance company seems very eager to pay my lost wages, any physical therapy, all my medical, etc. I'm just skeptical they seem so willing to pay. What information should I give them access to and what should I not? What if they have me sign something, what should I look for or make sure I am not being hustled? Any guidance is appreciated. I'm new to this.

My daughter is going through a lot of PT/OT that is being billed via a local hospital outpatient center. I talked to the insurance company administrator for this portion of my insurance and I ensured that the provider (hospital) we were going to would be treated as in-network (see \*\*\*\* paragraph below, as they guaranteed it and I couldn't find a provider that would do this within 30 miles of my home). To do this, they had to negotiate and worked out an agreement. On top of this, the provider has to get pre-authorization in blocks of visits so no visit has occurred without someone at the insurance company pre-authorising these. My certificate of coverage does say that I do have PT/OT benefits but there's two kinds of it, one that is based on a hospital stay and one that is based medical necessity . They both have the same copays and costs, so it shouldn't matter but regardless, there are two ways one can get PT/OT via my insurance plan. The provider has submitted these PT/OT requests to the hospital administrator Anthem. Anthem has rejected these with the code: "\*00NYP Your policy will cover this service only if it follows surgery or a prior hospital stay for the same condition. Please refer to the section of your contract or benefit booklet that describes the coverage for this type of service." \*\*\*This is what my certificate of coverage at a glance says about CT/PT/OT: "Chiropractic Treatment, Physical Therapy and Occupational Therapy Network Coverage Each office visit to a network provider, including related radiology and diagnostic laboratory services, is subject to a single $25 copayment. No more than one copayment per visit will be assessed. MPN guarantees access to network benefits. If there are no network providers in your area, you must contact MPN prior to receiving services to arrange for network benefits. Therapy must be prescribed by a qualified provider." AND "Physical therapy following a related hospitalization or related inpatient or outpatient surgery is subject to a $25 copayment per visit. Physical therapy must start within six months of your discharge from the hospital or the date of your outpatient surgery and be completed within 365 days from the date of hospital discharge or outpatient surgery. Medically necessary physical therapy is covered under the Managed Physical Medicine Program when not covered under the Hospital Program (see page 12)." From looking at how they are capitalising things, I believe Managed Physical Network/MPN is yet another administrator for PT/OT like United Healthcare, Anthem, and Carelon for medical, hospital, and behavioral. Am I right? So they are not sending it to the right place? Or it is coded incorrectly? I'm wondering why this provider is having so much trouble getting reimbursed the right away since there's been a lot of communication already with SOMEONE and it should all be set.

I originally signed up for Petplan Canada because we had it for my cat in the UK and they were pretty good. Signed my cat up here in Canada when she was about 7 years old. A few years ago they got bought by Fetch who definitely seemed a bit dodgy based on the sudden price increase and trying to sell preventative care packages that are a total scam. Made my first claim this summer (she's now ~12?) when my cat suddenly got very sick from a hairball. She had a lot of tests including X-ray blood test, and ultrasound at the emergency vet. My Fetch policy at the time was about $133/month ($1500/year) with 90% coverage, max deductible ($650). They reimbursed $2500 of the $3500 without any resistance for which I was pleasantly surprised. I just got the email for the policy renewal and it has gone up from $1500/year to $2500/year. Some of that would be from my cat being one year older.

I’m 23 buying my first car. It’s a generic 2007 Pontiac wave and I want to do uber eats with it. I got a quote from Intact and he said it would be $800 down and $500 and change a month. This feels insanely high, even for commercial insurance. Any advice? Edit: I am a new driver so i understand it’s going to be a bit higher.

Hi all — I’m following up on a post I made over a year ago regarding a dispute with my former neighbor in an HOA community: [Original Post](https://www.reddit.com/r/legaladvice/comments/17kskaq/neighbor_wants_us_to_remove_trees_trench_and/) At the time, the neighbor was demanding that I remove trees and trench my property due to alleged view obstruction and root intrusion. I consulted with an attorney back then who told me to wait and see if the neighbor actually filed a lawsuit, as the demands seemed like a scare tactic. Their advice was to assume he might just be bluffing unless I was formally served. **Fast forward:** I sold the property and moved out of the HOA community. A few weeks **after the sale was finalized**, I was served with a lawsuit from the same neighbor. The lawsuit includes eight causes of action, mostly related to HOA CC&R violations, nuisance, and alleged property damage from tree roots. **The plaintiff is still a member of the HOA. I am not.** I no longer owned the property and was not a member of the HOA when the lawsuit was filed. **My homeowner’s insurance is providing a defense attorney that will be defending me wholly but will only financially cover the property damage claims.** They will not cover any claims related to HOA CC&R violations, "loss of enjoyment," nuisance, or attorneys’ fees. The claims adjuster also told me that I could be responsible for the plaintiff’s full attorneys’ fees if he prevails on **any portion** of the case, even a minor claim. They are pointing to this clause in the HOA CC&Rs: *(i) Attorneys Fees.* *Any judgment rendered in any action or proceeding pursuant to this Declaration shall include a sum for attorneys’ fees in such amount as the court or arbitrator, as applicable, may deem reasonable, in favor of the prevailing party...* # 🔹 What I’m really trying to understand: Does the HOA’s CC&Rs and this attorneys’ fee provision still apply to me, even though: * I was **not a member of the HOA** at the time the lawsuit was filed. * I had already **sold the home** and was no longer bound by the CC&Rs. * **The HOA did not have any open or pending violations against me at the time of the sale.** * The claims are mostly based on alleged violations while I lived there. Is it common or even legally valid for CC&R provisions to be enforced against a **former homeowner**, when the lawsuit was filed after the sale? **Has anyone dealt with a similar situation?** Any legal insight, personal experience, or thoughts would be really appreciated. I’m trying to gauge how much personal exposure I truly have beyond what my insurance is covering. *(I understand this is not formal legal advice, just looking for shared experiences and general guidance.)* Location: California

I posted a couple of weeks ago about an ongoing claim between the hospital where I had ACDF surgery at on November 1st and my health insurance, UHC. The latest development is that UHC has sent yet another claim letter to the hospital , asking for specifics on an unidentifiable CPT code. Based on a prior claim letter, I suspect its CPT code J8499 which was sent to UHC to the tune of almost $14,000 out of a nearly $30K claim. I had read that this code is used for oral drugs but I can’t imagine what they would have given me that would have cost that much. The claim is on hold for 90 days yet again, but I’m getting spooked just like I did a couple of weeks ago. I mean, this claim has just dragged and dragged because UHC has to keep asking the hospital for information and I just don’t get what’s so hard in terms of the hospital giving them what they need. Anyone familiar with the code and its use?