I purchased Lemonade insurance for my mother’s dog last year because she thought he was having seizures. However he wasn’t. I put his age as the same as my dog. Because that is what I truly thought it was and he’s actually 8. Back story we “inherited” him and really didn’t know his age so truly was a guess. Anyways fast forward to this past week. He became very ill and has had to spend the last 3+days in the emergency vet cost approx 7k and now I’m have a full blown panic that because the ages don’t align they going to completely null and void my policy and not cover any of his medical bills

I was driving east on 71 headed home for the day after work when someone pulled out from a stop sign on Albert Brown Drive. I was luckily able to maneuver around the person without making any contact with the vehicle however in doing so my vehicle spun out and landed in a ditch. Vehicle is totaled, my head was bleeding from a minor cut, cut on my leg, bruise on my shoulder, little bit of neck pain but the worst was the red mark on the back of my ribs and a coupled ribs being bruised. Sucks I had just bought the car not a month ago and was a fairly rare 1993 Volvo 240 sedan that was black on black with chrome accents, super slick car and I looked forever until I could find it. Geico called me and said how usually this is an odd case because there was no contact with the other vehicle however the driver and police report said it was his fault so Geico is wanting to offer me a settlement. they offered $2,450 as basically "we sorry" this happened and will still cover the medical expenses from the ER and the vehicle cost's. Just not sure if I should take the offer being the wreck caused me to lose two days of work at one job and haven't been able to go back to my other job since I don't have a vehicle. Also I have racked up close to 300 dollars on Lyft rides, plus 150 to have my totaled car taken home and have my girlfriend leave work to drive 30 minutes to get me and take me to the ER. Also missed one of my best friends birthday parties the day after the accident and haven't been able to go back running or working out since the accident. I'm debating on hiring an attorney but resistant since my medical injuries were not severe. Also I have no idea how much they will pay out for the vehicle and online says 2000-7000 just sucks cause I can't find another car like it and not to mention I just spent 600 plus dollars on parts for the car. If anyone has had this similar experience what did you do, did you take the initial offer, negotiate with the insurance company or go through an attorney. I greatly appreciate anyones advice and input. Also if anyone has a 2001-2006 Honda CR-V for sale that's what I will be looking for once this is settled.

When the adjuster was going over the fact that their car was going to be a total loss, a 2022 Kia Sorento, that they were valuing at $34,000, $9000 over my limit. I hit them doing like 7 miles an hour, but it must have done frame damage... I just didn't see them, and t-boned them as they were making a left turn, while I was trying to make a left turn. They told me that they were going to have them file a claim against their own insurance, and its "progressive versus progressive; so, it's not like they're going to fight it", and to not worry about it. I'm not about to get blindsided with a $9,000 past due bill after being told to, "not worry about it", am I?

Location: Michigan - Just wondering if this is an appropriate thing for small claims and wanted to hear some opinions as I've never sued anyone before or have been involved in small claims. I was in a car accident on March 11. I was not the driver at fault. The other driver involved in the accident was cited for failure to stop (she rear-ended me at a stop light), no driver's license, and for not wearing a seat belt. Her insurance was listed on the police crash report as LA Insurance. Come to find out, she did not have that car insured at the time of the accident. I called LA insurance, and several other companies under that franchise, and found her name and policy, but she had a different vehicle insured and not the one involved in the accident. My insurance company reached out to her, didn't receive a response, and ran the VIN on the vehicle she hit me with, verified that the car was in her name, but did not find an insurance policy attached to the vehicle. I told the police department this and they will be updating the police crash report. Subsequently, I can't file a claim with her insurance because she doesn't have any. I have been encouraged to sue her in small claims court. My car was basically totaled in that accident (it was also an older used vehicle with 197,000+ miles on it), so I leased a new vehicle. Can I ask to receive at least the down payment I put down on that new vehicle? I'm also going to ask for storage fees of having my car at a repair shop as well as the fees to file with small claims. I did have items stolen from my vehicle while it was at that repair shop, but I don't have a dollar amount for them so I don't think it would be appropriate to put those in the small claims case. But I'm really just wondering if asking for the amount I paid as a down payment on a new vehicle would be appropriate. Like I said, I have never done this before. Advice is greatly appreciated!

I faxed in a request to cancel and cash out an unneeded long-term care policy. I noticed I was billed again, about a month later. I received in the mail that same day a letter denying my request because the signature doesn't match what they have on file. I called Allstate and they told me all I can do is resubmit and ensure the signature matches, but it'll be declined again if it still doesn't. I was told I'd lose the accrued value if I disputed the charge or stopped the payments. I'm at a loss. My signature hasn't changed. Any suggestions?

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.

I live in the Central/Northern Arkansas area with State Farm as my insurance provider and I am 20(M) I own two vehicles: 2009 Chevy HHR LT Panel(2.2L Ecotec) 1997 GMC Sierra SLE(5.7L Vortec w/ 4L60E) Both of my vehicles are covered under liability. I was recently rear ended on the interstate in my truck, it honestly held up pretty good, but still a decent bit of damage. An appraiser came out and said it was about $3,700 worth of damages. They then have to run a report on my truck to find the total value. From what I understand, they find a vehicle in my relative area (the two they found are in Kansas and Tennessee) and take the retail, or selling price, and use a formula to calculate the Actual Cash Value(ACV). They then look at the features on those vehicles, compare and contrast them to mine, thus raising or lowering the value of my truck with each feature, to determine how much my truck is worth. Finally got a call back, they say it’s totaled and their number is $2,959, meaning they would be buying it from me and taking it. And there’s potential that I cannot buy it back depending on whether they deem it unsafe to drive. I feel like I’m being cheated. My truck is still running and driving perfectly fine, I can tell there’s a little bit of frame damage at the rear under the bed(the truck hit my receiver and it slightly bent the frame inward). It’s very difficult to find a vehicle that not only is as reliable as my truck is, but also has the capabilities mine does. Not to mention the fact that my Great Grandfather gave me the truck, and he was the original owner. And currently my truck is also my only form of transportation because my dad and I are in the process of rebuilding the motor in my car. If I try to find a truck like mine anywhere, it’s easily double what they’re trying to pay me. Some people want $2,500 for a truck in the condition mine is in with no motor or transmission, or serious problems with one or the other. Note: Accident was a hit and run, driver at fault was not found. I was rear ended and pushed slightly into another truck. Also, for reference, I will list the prior and current conditions of my truck: Prior: 261,000 miles Dash slightly cracked Grille slightly cracked(have a new one just haven’t replaced it) Clear coat peeling and sun damaged in some areas Very minor dings/scratches Cloth seats, carpet, and headliner had minor holes, tears, and/or stains Current: 262,000(what the appraiser recorded) Dash cracked slightly more Rear bumper pushed into bed on passenger side Bed pushing into cab denting both pillars Bed now unaligned from cab slightly Driver seat leaning to the right slightly, will not recline forward or back Tailgate slightly scuffed and dented Receiver almost broke in half and bent the frame slightly Front bumper pushed backward, slightly crushing the filler panel in between the bumper and grille Very slight crease on the back passenger fender I would be perfectly fine with the $2,900 if I could just keep my truck without having to pay extra. The salvage retention fee is $811 and some change, and my deductible is $250. And still no guarantee I could get it back until I tell them to run the report. They said I could send in other comparable trucks, but it has to be “a link I can click on to see exactly what you’re seeing and include the vin number”. Doing so could potentially raise the value of my truck, but only ever so slightly from what I’ve been told, and if I were to do that, it would have to be before they tell me whether or not I’d be able to keep my truck. If y’all need more information feel free to ask, I just want some help and guidance. Another note: at the end of January the dryer in my old apartment caught fire and everything was smoke damaged. My gf and I at the time got a new apartment and then we broke up mid February, and the wreck happened at the beginning of March. I don’t know how I am holding it together.

Hey Reddit, I’m a 27-year-old male, single, no spouse or kids, living in Mississauga. I moved to Canada last year on PR, got my G license, and financed my first car (Honda Civic Hybrid 2025) in late November. I’ve had Wawanesa auto insurance ever since, paying $750/month through automatic withdrawal. Here’s the full picture:- I originally got this car not just for personal use, but also with the intention to do Uber Eats. I wanted to stay completely legit, so I was upfront with every insurance provider I contacted. They all told me that due to my lack of Canadian driving history, I wasn’t eligible for regular commercial insurance. So I went through a broker, and he found me a commercial policy with Wawanesa that would cover Uber driving. I also have a main job just 30 seconds walk from my house, and I have a couple of major licensing exams coming up, so Uber is going to take a backseat for the next few months anyway. That’s why I’m thinking of canceling my insurance or switching to a non-commercial plan, but here's the problem:- I’ve heard that canceling before the end of the term means Wawanesa could charge a short-rate cancellation fee, and someone said it might total around $3,600 upfront in my case since my policy started around November, 2024. I simply don’t have that kind of money in my account. If I don’t cancel, they’ll just take another $750 in the first week of April, as usual. Also worth noting:- I have a clean driving record since getting my G license here in Canada, except one camera ticket I got in Brampton for going 7-8 km/h over the limit. I’ve used TD Bank’s auto insurance calculator and it showed that I could probably get a non-commercial plan in the mid-$400s—which is way more reasonable. The broker who arranged my current plan hasn’t been very transparent & hasn't even been responding to my calls or texts recently, so I’m planning to contact Wawanesa directly when their office opens. So here are my questions while I lose sleep over this:- 1. Any preparation tips on what I should say or talk or do on my upcoming phone call with Wawanesa? (I'm completely new to all of this) 2. If I cancel now, will I still be charged the full $3,600 upfront? 3. Can I negotiate or pay the cancellation fee in installments? 4. If I do cancel, what should I look out for? 5. Is there any way to downgrade to a non-commercial plan instead of canceling altogether? 6. What would you do in my situation? Any personal experience with Wawanesa or brokers? I know I should probably just call Wawanesa and ask all this, and I will once they open. But since I can’t sleep and this is really stressing me out, I figured I’d toss it out to Reddit too. Appreciate any advice you all have. Thanks!

Hi all, I have been losing my mind trying to figure out which coverage would be best for my pup. He is a 1YO chihuahua/poodle mix who was rescued off the side of the road at 3 months with a broken hip. He has had FHO surgery which did seem to help reduce his pain and allow him to put more weight on the limb (left hindleg). He loves running and jumping around and generally acts like a happy puppy, but will likely always walk with a limp. I'm aware he may develop issues as he gets older from compensating. We currently have Pets Best, which we have not had a good experience with. We have sent them the same documents three times and every time they said they did not receive it, even when I'm actively looking at the email to their claims department while on the phone with them. Then it takes a full two months for them to review the documents, only for at the end of two months for them to close my claim because they did not receive my documents.... and thus the cycle continues....... Which insurance would you recommend? Should I just suck it up and accept that I'm likely going to have to pay in full for any orthopedic issues? I'm happy paying on the higher end ($70-$100 a month) for more full coverage that would include exam visits, medications, etc, but I'm having a hard time figuring out which insurance would work best for my pet. Any advice y'all have to give would be greatly appreciated and save me hours of going down this rabbit hole!!!

I have been driving for nearly 25 years. I have nearly a completely clean record but didn't drive for a while up until a couple years ago. I am looking for any suggestions for sources to get the beat rates possible. Are there Any websites anyone knows of that are noteworthy? And trustworthy? I love my agent but I can't keep paying progressive $2000 a year (discounted 200-300 every 6 months for paying in full) for basic state minimum coverage (no collision etc)