Had an accident the other day my insurances says I’m 30% and the other party is 70% so what will I end up paying out? Even though the police said he was 100 at fault. I haven't seen the official Police report yet, not sure if the Police added he was at fault in the report. Hoping he did as even with dash cam it shows him hitting me in between my Drivers front fender and Driver's door which I can't open BTW. How can this be my fault in away.. State of Florida is weird with reports they only gave names and insurance info which the other party gave false information for New York driver.

Hello, I was involved in an accident and I’m currently waiting to be reimbursed by the insurance of the person who hit my car (the 3p insurance). However their policy limit doesn’t cover how much my car is worth. I am trying to retain the car as salvaged because it is my only source of transportation. The 3p insurance is sending the lienholder $15,000 (customer’s policy limit) but the remaining balance is mine to cover ($6,380). However my lienholder says they won’t send the letter of guarantee to the insurance until the remaining balance is covered ($6,380) meaning the 3p insurance cannot send the $15,000. I have gap insurance and I expected them to cover the remaining balance but they said they won’t pay until the $15,000 is sent from the 3p insurance and they see the letter of guarantee. Does anyone know if there is a workaround where I keep the vehicle having to pay ($6,380) out of pocket? Please let me know. Thanks!

Do they not regulate, or loosely regulate, pet insurance premiums in Pennsylvania? I started a string on a cat Facebook group asking people to note their cats age, healthypaws premium, and city/state. To my surprise, someone with a cat in NYC at a similar age was paying way less than me. For reference, my cat just turned 19 and my ~60 day notice says my premium is going up from ~$380/month to ~$650/month. I don't think I have the option to switch insurance providers since my cat has a lot of health issues we are managing. Most plans do not cover pre-existing conditions. Can people post their healthypaws premiums below if they own a cat, inclusive of the age of your cat, city and state? For those who live in Pennsylvania, are you also seeing crazy increases? If there is a pattern of Pennsylvania being the outlier here, I can draft a letter to the Department of Insurance and the Attorney General. Note: My premiums for my cat when she was about 17 and in Phoenix, Arizona, were ~$150/month.

Hello all, thank you in advance for your help, this has been a nightmare of a case with the valet company that services my apartment building. Long story short, the valet that parks the residents cars at my apartment building backed my car into a wall causing significant damage to the trunk and bumper. The valet is denying responsibility given there was no camera that captured it happening in real time. The valet company is refusing to give me their insurance information, and my insurance is claiming the valet driver is a “permissible driver” and therefore the liability falls on me. Now my insurance is being raised by almost double because I now have an “at fault” accident on my record. What is the best course of action here? How can I get the valet’s insurance info? Any help here is greatly appreciated…

I cancelled my Direct Auto policy before payment was due in June, I got a letter in the mail saying I owed direct auto $289.45... I called them and wanted to know why I owed money to them when I was caught up and decided to cancel it. I only had their insurance for 3 months before I decided to go to progressive and cancel their insurance. When I was canceling the insurance over the phone in June, he didn't tell me I would owe money or anything like that. He just said "Okay, I can cancel that for you. No problem." No warning about having to pay the remaining balance of the policy or anything...

Has anyone subscribed to a Metlife cat insurance lately and selected the preventive care plan (375/575)? Are the individual limits (dental, Microchip, etc)clearly outlined in the policy packet? I bought a plan for my cat in March 2024, and there was no such limit (so the preventive care limit for a dental cleaning was the same as the original policy limit). I guess they were the only one to do that and they aligned with most other insurances.

i hope this is the right subreddit for this! i just found out that my dietitian for an ed is no longer fully covered by insurance and my weekly appointments are now going to cost 90 dollars. i’m wondering if there’s a way to get insurance to continue to cover? like could i have my primary care physician or psychiatrist refer me to a dietitian? tbf i am not as aware of how insurance works as i should be so i have no idea if its even a possibility. edit for clarity: my insurance has not changed. i live in michigan and use blue cross blue shield. i was unaware that they will only fully cover a certain number of appointments and i have reached that number.

So I got hired onto State Farm in the Aspirant Program since I already have experience selling life insurance. It all sounded great when they were hiring me. But….. I am a week into this and I am getting zero direction and am told to just look into the book and see if there is any way to resell life insurance to any clients already with life insurance. Does anyone have any experience in this program. Because as of now I am a little confused on what this program actually is. It seems more like I got hired to be a sales guy for the agent instead of actually striving to be an agent.

Car loan— 12,000 to pay off, interest rate is 7.8% Federal student loans— 6,000 to pay off, interest rates average about 4% I called Wells Fargo, as this is what my auto loan is through and they told me their is no benefit to paying off my car early (as in I won’t save any money) very confused as I know this is a “fixed loan”. Obviously it is better to pay off the higher interest rate, but if it’s a fixed loan does that matter?? Any advice on which to pay off first??

I was in an accident May 2023 and my license was suspended on August 29,2023. I was at fault and I wasn’t insured (I know, totally my fault). I haven’t been called into court. So far I’ve only had debt collectors call me to have the accident paid for from State Farm for $15,322. I was searching on the Texas DMV site on ways to get my license reinstated and these were my options: 1. Notarized Installment agreement Form SR-19 OR 2. Notarized release Form SR11 OR 3. Proof of insurance covering date of accident OR 4. Security deposit with an SR-22 and SR-22A OR 5. Copy of Bankruptcy OR 5. Evidence of settlement OR 6. Form SR-60 if two years have elapsed from date of accident OR 7. Apply for an occupational driver license I’m thinking about the SR-22 but I’m not sure on how much the security deposit would be. But I was also thinking since it’s about to be two years since the suspension went into effect. Would I need to wait ANOTHER 2 years if I decided to go with the SR-60?