Earlier this year, I was involved in an accident where I was side swiped by a gardener truck. I was on a residential street and slowed down to look for parking. The gardener truck was behind me but decided to pass me, and when I drove forward a little to park further up, the truck merged back into my lane and struck my car with the equipment hanging off its trunk. They sustained no damages while my drivers side window shattered, mirror broke off, and fender/door sustained damages. Around 2 months ago, we received a letter from their insurance saying they assessed 55% negligence on their insured driver and 45% on me. They were also willing to pay for 55% of my damages. My insurance decided to take them to arbitration. During this time I received 2 letters from my representative. The first said that while the other insurance company has accepted full responsibility for the accident, they have not been able to reach a settlement for damages paid. I then received a second letter a month later saying that the arbitrator has ruled in favor of the other party. This seemed like a complete 180. I was shocked to learn of their final decision and emailed my representative asking if any of my $1,000 deductible would be recovered. She said no and sent me a copy of the arbitration decision which stated the following duties breached on my end: vehicle failed to keep appropriate lookout and they failed to maintain safe parking maneuvering. Is there anything I can do at this point? I know the arbitration decision is binding and final but I am honestly just stunned, especially because it felt like the truck failed to safely pass my car. I spoke with my insurance and they said my premium will most likely double. Is this fair?

My question in the title does not in anyway mean as an attack, simply my genuine curiosity based on my personal experience. My parents recently migrated to California so we went to a certified enrollment counselor in NorCal. For some reason this counselor keeps pushing BenefitsCal and also to sign up for her clinic's health care plan. I am already a Kaiser member myself, so I wished to sign my parents up for Kaiser as well. But she kept pushing back, I assume because she benefited if we signed up for her orgs plan. The whole thing made me very uncomfortable. Wondering if anyone has experiencedthe same?

Hello, I have lemonade insurance for all 5 of my cats. Today I got an email that my claim for my cat was only partially approved (the exam and urinalysis) but not the X-ray. The X-ray was to also check the bladder for uti, and some crystallization was found. They also X-rayed his lungs and found out he has mild asthma. They did not approve the X-ray (and will not approve future asthma treatments) as they’re saying it was a pre existing condition, but it is most definitely not. He went in for sickness twice and both times experienced wheezing because of the sickness and with X-rays was not diagnosed with asthma those times, he also has a nasal anomaly/polyp that causes a funny sounding breathing from his nose, again not asthma but this has been noted in his notes. Has anyone had this happened and successfully appeal? My vet is great and would likely write medical notes or a letter or whatever to help me get his asthma treatment covered.

I was rear ended in January and filed a claim with state farm The girl who hit me was in her fathers car which had state farm, liability coverage she has dairyland with full coverage. I am a State Farm customer (not after this) and was assured that this matter would be settled quickly. I was told by my first adjuster that my car was a total loss, since my car was newer that it would exceed her father’s liability coverage and they would open a claim with dairyland on my behalf to get the rest. They complete the estimate, do not contact me on what their assessments were and also changed my adjuster without contacting me whatsoever with my new adjusters contact information. I had to find this out on my own by calling after hearing nothing for two weeks after the estimate was complete. They said “maybe” my settlement would be 8k flat for reasons they seem to not be able to answer, they haven’t even offered me a settlement by this point. They said they valued my car at 11k. Which honestly would be a joke if it is 8k. I talked to my adjuster on Thursday and she is reading my information on my policy and for whatever reason State Farm has put that I have dairyland as my insurance on my claim. I feel at this point my claim has been handled with complete negligence and I am at a loss on what to do, I genuinely would like to move on with my life as this has caused me a lot of emotional and psychological distress. What are questions I could ask to understand this process more, or get traction with? Why would they open a claim on my behalf just to tell me to “do it myself” later on? I have never been in a wreck like this before so this is just another learning experience, but I do not feel as if my claim is being handled properly or correctly. Any advice would be appreciated, also please don’t be rude as I am already going through enough with this debacle.

I just recently got into a car accident where I was turning left on and intersection right after my light turned green, and the other driver was to my right side driving straight through the intersection with a red light. They hit me on the front right side of my car and my car was deemed totalled. I called the insurance company and she has not yet made a detailed statement on her insurance or police report (the accident happened at around 6pm on Monday). My insurance is deeming this 100% my fault. How do I get out of this? It obviously was not my fault as she ran then red, but they are saying there is no proof to her running a red light, which is true, I have none. But why does it then have to be 100% my fault? It is so so frustrating, and I would like some help going forward with this. I haven’t signed any papers for the insurance company yet and am hoping to dispute this. Do I have a leg to stand on? Thanks. Edit: I should also add that I have told my insurance company about her carrying an expired insurance sheet and her driving for Uber Eats with her car not registered as a commercial used vehicle.

My mom was checking her and dad's bank statements and for some reason they're being charged by First Enroll but mom says that that isn't the insurance company they use. Any clue why this would be happening? Is some type of scam or fraud? Just so you know, I know almost nothing about how insurance works so sorry if I seem stupid.

We have a storm damage claim in since June 20th, adjuster came out July 2nd, he sent an estimate and a payment (which we have not yet accepted) on the 3rd. We’ve been trying to get in touch with him since the 7th to no avail (voicemail says he’ll call back within one business day). What’s my next move?

I have a 2015 Toyota RAV4 and I still owe 12,000 on the vehicle, Just got it last year. with that being said I was in an accident on 3/6 and their insurance company wants to claim the vehicle as a total loss... my question is what if they don't give me enough to cover the loan? I am pretty stressed because the accident was not my fault at all. it is going to liberty mutual does anyone have any idea?

Was with another major isuance player, and was dissatisfied on their customer service. Will be nice and not mention the name. Erie Insurance was recommended to me by family member. Thhey have been with them for years and satisfied with their agent. I called Erie for a quote last month bu they were havig system issues. Agent advised they would call me back when resolved. It took almost 3 weeks (they called Thursday. So what do you think of Erie? Would you be timid about a company that was 'down' for almost 3 weeks (unable to service existing policies or quote new policies)?

I had Bristol west insurance and found a better price for auto insurance. I called Bristol west and told them not to renew my policy and have me removed at the end of my policy. Turns out they completely canceled effective the date I called. I received my refund they owed me and thought everything was good. Til I started getting emails and mail from them saying my renewal fee is due. I’m not paying it because I was told my insurance was canceled. I just hope it doesn’t affect my credit because of a payment I’m not responsible for. Anyone else have this issue??