My 2024 Hybrid XLE Rav4 got pushed into a ditch while on the freeway with less than 7K miles on it. Opposing driver did admit fault and the car's recently been repaired. Subrogation is completed and I received a refund for my deductible. I have the total cost of repairs receipt equaling out to around 15 K and currently have one of my friends who works in finance at a dealership pulling up some numbers to compare my car pre-accident value and now. I have the police report and some pictures of damages. I already hit up progressive and they essentially just said to send whatever it is I have over but I feel like there should be more to it. If anyone knows anything about this and is willing to help, I'd appreciate it. 1. Do I absolutely have to get an appraisal and spend money on a report?

Right after the hurricane, my car insurance with Nationwide went up to $220/mo (was $150). They told me it was the best rate they could get for me...yeah right! With a late fee of $30, I have been paying $250/mo! I just went with progressive and am back down to $150/mo with good coverage...200 deductible, car rental, roadside, etc. Nationwide was a total rip off.

This is for a puppy that will be enrolled at 8 weeks old. All unlimited options: Pets Best - doesn’t cover alternative therapies such as shockwave, PRP, stem cells, PEMF - $50.87 month - 90% with $500 deductible Healthy Paws - my current insurance provider - no longer offers 90% coverage - policy states it doesn’t cover diseases preventable via vaccine which is concerning since vaccines don’t always cover all strains - $47.71 month - 80% with $250 deductible Pumpkin - sample policy says “we may decide not to renew your policy at the end of any policy period” which is concerning if you start having a lot of claims - $74.99 month - 90% with $500 deductible Figo - $51.99 month - no exams covered (or $62 with exams covered) - 90% with $500 deductible Any thoughts? I’m happy with Healthy Paws but the 80% is disappointing so considering other options

Windshield claim, Progressive. Hailstorms for days. Deductible: $2000 Vehicle: Toyota rav4 2020 Progressive claims person asked do I want to get paid $2000 or pay for the windshield repair and have them pay the rest? I haven't had to repair a windshield before. I didn't know what to choose. Haven't gotten a quote but I don't think it'll cost 2k? I didn't even know there would be choosing. So before I do next step, adjuster etc: What... exactly am I supposed to do here? (I am feeling... cyberpunk dystopia atm)

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?

This is a weird problem to have. My therapist is not in-network (I have United Healthcare/UMR) so I pay her and submit the bill to UMR for reimbursement. For about a year, my insurance has usually said she is in-network, and reimburses me for about 50% of the cost (100% of their "adjusted cost" which is half of what I actually pay her). I mentioned it to her but she said she has never been in-network, which I believe - it would be pretty dangerous for her to try and take payment from both me and the insurance company. So I figured it's fine, if my insurance says she's in-network when it comes to reimbursements then I'll believe them. The reimbursements this year are now 95% of the actual cost (so they're paying me back more now). And I'm really starting to wonder, is it my responsibility to say something to the insurance company about this? Is there a chance that they ask for some of this money back later? Thanks for your advice

Location: Toronto, Ontario CANADA 🇨🇦 A representative from Scoitabank assured me that I could extend the interest rate deduction program on my credit card for another six months, pending approval when the initial period ended. Unfortunately, when the six months were up, I called again and was informed by a different representative that the previous one had provided incorrect information. They explained that Scoitabank only offers this assistance every two years and that I was not eligible for help at this time. I was completely unaware of this policy, and the unexpected return of regular interest charges on my account has caused me significant emotional and financial distress. Upon research I found that Scoitabank has violated the Consumer Protection Act (CPA) established in 2002, c. 30, Sched. A, s. 14 (1). The calls are all recorded. Scoitabank conducted an investigation and determined that they would offer me $368.00 for my distress, along with the closure of the case. My question is, can I pursue additional compensation for my suffering? Am I entitled to request more than what they have proposed? Thank you for your time to respond! 🙏

Was in an accident 2 weeks ago, brand new (to me) car and havnt even made the first payment. the at fault driver had an expired "limited term" drivers license. after police report and information exchanged i have been given the runaround by his insurance claiming that they cannot reach him for a statement so they will deny and close the claim. is this even legal? do i need a lawyer like right now? Thank you everyone for the replies, sounds like i was overthinking alot of this. proceeding with my insurance company to let them go after him or his insurance company and just have the car back.

Hey everyone! Fetch just sent us our plan renewal and it's quite a bit higher this year. I'm looking to switch while my dog still is quite healthy. She's a 9 year old scrappy terrier mix, and has one pre-existing condition of a femoral head removal before I got her (which was pre-existing for her current policy as well). She's also broken several teeth over the course of several years, which was covered with Fetch, but I'm worried it might not be with other companies (even though those were accidents and not conditions). Is it worth it to switch at this point? I'm seeing some decent slightly lower quotes at Lemonade, Pets Best, and Embrace. But basically every company out there has a post on here bemoaning said company as a "scam." I'm looking for accident and injury coverage with a high max payout of $15,000 or more, deductible of $250-500, and no add ons.

Someone hit my car. Air bags went off on one side and bumper poked the radiator. Bumper and hood are crumpled but it doesnt look like anything else is damaged. No broken glass, and I can see under the hood and everything else is fine. Its a 2019 but good mileage and was in perfect condition prior. Filed insurance claim. It was the other personsfaultbut of course they didnt have insurance. Realistically what is the outcome? Weve had progressive for years. No claims for atleast 5 years. Edit: sorry 2019 Jeep Cherokee