Does anybody know or have had a awful experience with State Farm? They have kept my car at a body shop. It was a front end collision. They fixed all the outside of the car. Even things that did not need to be replaced. When went to pick it up it was not drivable. We told them at the time of the crash that they stability. Track went out. They refused to fix that. They told me to have it towed to my dealership. And guess what? I can’t get a hold of their roadside assistance. And every time I call they act like they don’t even know Like there is no claim! How can that be? They still have my vehicle at the shop.

Location: Missouri Alright long story short, I had a car accident earlier this year that totalled my vehicle. I had full coverage insurance that covered the majority of the auto loan I had. The other party, the GAP insurance is to take care the rest of my loan. I got a piece of mail from the GAP people saying the check has been issued to my lean holder on February 11th, was told it should take no more than 30 days for that money to hit that account. So I called my auto lender to ask what's going on, turns out the GAP insurance company sent the check to the wrong address, that was March 11th. 30 days since the initial start of the GAP claim, I called them again today, March 25th to figure out what is going on. Come to find out they issued a new check on March 18th which was last week. It's been 7 days, nearly 45 in total since my auto loan should of been taken care of but it hasn't and I haven't been able to get a new loan due to my current outstanding loan that the GAP insurance is supposed to take care of. Basically I don't know what to do at this point, I'm still paying on the current auto loan cause I don't want it to effect my credit but at the same time I no longer have the vehicle since it's been totalled and taken by my auto insurance, what do I do in this situation, is there anything I can do?

I had gone to a new dentist in October 2024 for a routine cleaning and was essentially "upsold" on the removal of my four wisdom teeth, as I had mentioned they were bothering me. I was told my insurance was accepted (MetLife) and that I would only pay $300 for the removal. I figured that was a great deal and had my teeth removed, paying the $300 on my way out. I received an email earlier today for a separate claim from Cigna, and decided to look at my MetLife portal as I remembered the dental claim being stuck on "pending" for some time after the procedure. According to MetLife, the cleaning and x-rays were in-network and 100% covered, but for the wisdom teeth removal, the claim was marked as out of network and my patient responsibility is $800. It has been a bit over 4 months since the procedure and I haven't received a bill from the provider - should I just leave things as they are or should I contact my insurance provider/dentist? I only accepted the procedure because of how affordable it was and confirmed with my dentist multiple times that $300 was my total cost for all 4 teeth after insurance.

Location: Oklahoma Long story kind of short, I was in a car accident on Oct.4th, and the other party was at fault. At the scene they acknowledged they were at fault and their insurance looked up to date. At the moment, I felt that calling the police for a report was not worth the hassle, a mistake I know now. While at the scene the driver was on the phone with their mother and told them they were on their phone at the time of the accident, which she later denies. Additionally the drivers mother wanted to speak to me on the phone and was very adamant not to go through insurance and that they wanted to pay out of pocket, which I refused, I didn't think much of this comment in the moment but is important later. I filed a claim with the insurance they provided and a few days later they told me they were not insured at the time of the accenet. My father reached out to the drivers father as he is the person on the title of the vehicle, and this is when we found out the drivers father is the Chief of Police for a small town bordering my city where the crash occurred which is in the same county. At this point we were given updated insurance from the driver and I made the claim with their insurance, which was denied as they were denying what happened at the crash. Some context to add to this is that this was a new driver and had their license for only about a month and were 16 and were heading to their first day of work at their new job. I filled with my insurance who sent it to arbitration, and it was radio silence for 4 months and they would not even return my calls, thanks Progressive. I called today and told them I need an update today, and the new rep I got was amazing and told me everything I needed to know and they should have told me months ago. Arbitration determined the other party was at fault, which was obvious from the damage, and they were not insured at the time of the crash. So it turns out they tried to buy insurance right after the crash and did not tell anyone. Progressive wants to send them to collections to get some of my deductible back, but I would like to get my full deductible and loss of value (at the minimum). So my question is is small claims court enough for the $2k deductible and $2k loss of value, and do I need a lawyer? I have already waited 6 months, and while if I need a Lawyer I want them to get paid, but I feel like I shouldn't have to pay legal fees for this especially due to the criminal behaviour on their part.

I currently have Progressive but they just jacked up rates without even a "hey we are going to raise your premium from next month". Erie Insurance is highly recommended but they seem to have strict criteria such as 3 year residency status (which is what an agent told me) hence am looking for other options. I am looking for good customer service - does not give you the run around when you need them. Decent prices. I am not looking for the lowest rates but at the same time something that is fair. And transparent. I kinda feel cheated by Progressive who slyly raised the rates. Am based in PA if that matters. Any suggestions welcome. Thank you.

Hi, I got into accident and my car was total loss. It had a loan amount of $40k. Primary insurance paid market value $32k and pending was $8k, which suppose to be covered by GAP. I went to Gap, submitted all documents. The purchase agreement I had was under the name of A (lets say) Autos and Gap document had name of B autos. These two different dealerships had partnership at that time. Now Gap asked for original bill of sale and I provided it by reaching out to B. Now both documents Bill of Sale and Gap have same dealer name on it and they denied my claim saying ‘dealer name mismatch’. They denied a document and then denied the claim on basis of document that was never accepted by them. Please tell me what should I do. Its been 8-9 months I’m dealing with dealer at B autos and he is just saying same thing every time that he is talking to Gap sometime they respond sometime dont. Sometime this guy doesn’t answer my calls. Its costing me my mental heath, time and money without owning a car. Any leads appreciated 🙏

The other day I was at a grocery store where I parked my car far away form the busy area purposefully with a Mustang. I was walking out, saw the accident happen live, and turns out the person messed up the front left side of my car. bumper also kinda came off. Some dent/paint damages. No tire damages. Nothing internally (hopefully). Still drivable. The car was parked, plenty of space in the park lane, and thankfully I was able to be there and watch it happen to stop the person, grab some pictures of their license plate, exchange contact, and even snap a picture of the person's insurance policy. Thinking back, I probably should have called the police and filed a police report, but immediately I filed an insurance claim with my insurance company, Progressive. Unfortunately, my policy doesn't have an uninsured motorist vehicle coverage for collision. On top, my deductible is pretty high. 2500. I had to learn a lot of these things and also like what a subrogation is, but that's basically what's happening right now because I sent my car to the shop and I tried getting in contact with the other party after I figured out i learned that their insurance policy has expired and seems like my agent as well tried contacting them with no response. I even tried contacting their policy with the expired information to see if there was anything active and it turns out there wasn't in their logs. And the insurance company basically just kind of hinted me to screw off after they realized that there was no other information available or logs on their end. So after speaking with my agent and I'm still waiting to get the final quote and stuff from the shop, I believe they're going to start a subrogation process. I have no idea if they have an active policy there or if they have something else. Now, with all this in mind, I'm not sure what to expect here. Unfortunately, I do have to put up the 2500 for the repairs. I think what's gonna happen is that they're gonna try to get my money back somehow, see if they have any active policies, and from what I've heard online is that this can take anywhere from a few weeks to months to maybe even years, I'm not sure. But from what I understand, is it right that there is no guarantee that I'll get my money back, especially if they were not insured? And if they were not insured, does that mean my insurance company is going to try to come after them In any way possible to get the money back? I'm just kind of concerned here because this is my first accident. it was kind of a BS since it wasn't my fault. Happened right in front of me and at the same time, I'm just not sure what to expect here.

hello everyone! I just adopted a cat, a 1-year old female (spayed, no previous health conditions). she's been to the vet, and they didn't note anything out of the ordinary. I was going to go with trupanion, but have seen a lot of mixed reviews about their compensation policy (something about per condition). I was wondering if anyone here has been in a similar situation to me? what insurance do you use for your cat?

August 2017: $60.12 August 2019: $66.28 to $77.07 August 2020: $69.88 to $104.82 (50% increase) August 2021: $104.82 to $154.99 (48% increase) August 2022: $154.99 to $191.33 (23% increase) August 2023: $191.33 to $229.59 (20% increase) August 2024: $229.59 to $287.03 (25% increase) August 2025: $287.03 to $828.97 (189% increase)

I wish I had corn to Reddit in June of 2023 before signing on with BF but I didn’t. So here we are. My last creditor still “in negotiations” is Bank of America and i just received a hand delivered summons today. My enrolled debt for them with BF is $28k and They are suing me for $31k+. I’m waiting for the legal team contracted under BF to write up the response to the summons and the finance team to continue towards a settlement but I am panicking. I read that 90% of the suits BoA peruses goes to default judgement bc the defendant doesn’t answer. Any advice or similar experiences would be appreciated because I obviously cannot afford $31k….