I was At a stop and some lady came up speeding to turn on where I was. When the police came she told them that she didnt see me and that a i blew the horn but she was too late. She hit my car and i had to pay 2,000 dóllar to fix my car. The police say we were both At fault but i told him i never move from the stop and that i was going to make a right turn when I saw her but i never was able to move. He made us both guilty. A few month later i revive a letter from geico saying i own them like 10,000. Will this kill my credit score? I dont have that money to pay. I have check my credit and i see nothing but am afraid they will put on my credit soon or later. Its being months already. It was back in january.

I have Geico. My premium shot up another $150 yet again for a 6mo period. They blame NYS, but this has been the norm for them since joining them in Apr '21. I want to shop around for full coverage insurance for my car, but unsure of who's even "affordable" anymore. For those in NYS who switched off of Geico, which company did you end up going with? Did they provide similar coverage at a cheaper cost?

We’ve had Haalthy Paws since my two dogs were puppies. One is now 11 and one is 7 or 8. I just got this email that our monthly premium is increasing to $650 a month!!!! We can’t switch — they have preexisting conditions. This feels predatory. Is this legal? Has anyone successfully negotiated this?

I filed a renters theft claim through Allstate in September 2024. Our adjuster calls a couple of days later going over the process and the next steps. We’ve submitted the police report, receipts and a ton of pics. A different person who works with our adjuster calls and has us resubmit everything about 3 more times. We’re now 6 months into this claim and have heard from our adjuster other than that one time when they first called. The other woman, we haven’t heard from her since January. We have been trying to get ahold of both for months. I finally get a call last week saying they have everything they need and that our adjuster would call that same day. I got really excited hoping this nightmare with them was going to finally come to an end. Here we are a week later and not a word from either of them and now I’m pissed. I have been cordial this whole time and now I’m at the highest level of pissivity. At this point I’m losing my mind because why is this taking 6 months? Why is there no update? Why can’t I get and update or get ahold of my adjuster? Customer service refused to let me speak to the adjusters supervisor. What else can I do at this point?

Hi, First off, let me list out my situation quickly: Washington State College Student Insurance: Medicare --> EMI Health (Switched, received pay raise) Today, I checked into my dentist for a cleaning. I informed the front desk person I had switched insurance providers. She didn't say much, but checked me and said I would meet with a patient resource person after my appointment. I went back, had what I thought was just a cleaning. I went to the waiting room, then had my meeting with the patient resource specialist who told me that my insurance was no covered. no worries, what does a cleaning cost? $70? No issue. Well no. They did a "scaling" thing because my gums were inflamed so the total is $209. In this meeting was the first time I was informed about the scaling they did to my teeth. I have no recollection at previous appointments of them mentioning scaling or anything. I was never disclosed any cost because if I would have heard $209, I would have dipped quick. Is there anyway I can get out of this? I feel kinda screwed over because I had no idea what they were going to do to my teeth or procedures performed. It was my impression it was just a cleaning. I understand it is MY RESPONSIBILITY to verify my dentist is in my network, so I own up to that. It is mainly the scaling thing... I have a phone call with the dental supervisor. What should I say? I want to be as respectful as possible. Thanks

House that was built in 1989 has water stains on all the 2nd story ceilings which are getting worse every time it rains. The roof is visibly messed up, losing shingles. Siding and gutters have never been replaced. Visible hail damage, plus the vents on top of the roof have dents all in them. I live with my senior mother whose coworker has a son who works for a roofing/restoration company. The guy came out, inspected our house and took over a hundred pictures. Said we need a new roof, siding and gutters. We put in a claim with State Farm homeowners insurance, he said to put we have damage from June of 2024. Even though we've had more storms and tornados since that date. State farm then sent an inspector woman who barely looked at anything, the company this door to door storm chaser guy works for was there. They didn't seem to show her much of anything. The inspector was here less than a half hour and I didn't answer the doorbell. The company who would be paid for replacing things nailed a tarp on to a small part of our roof without asking or informing us. The inspector determined only 2 shingles need repairing! Nothing else. She also emailed my mother the decision, saying it was nice to meet her. My mother did not meet this woman and no one who lives here did. Now the guy who inspected our house initially is saying we weren't denied and we have a roof that is no longer made. It's a 3 panel shingle roof and he claims those shingles are no longer produced. He's telling my mother to take State Farm's offer of fixing the 2 shingles. That they'll send them off for testing and once they find out these shingles are no longer made, insurance will cover a new roof. A simple Google search shows I can go buy 3 panel shingles at every home improvement store nearby. Is this guy scamming my senior mother? Will State Farm actually replace the entire roof after testing shingles? I'm a single solo mom to a disabled child who has to live with my mother and I feel we're getting taken advantage of. She thinks we're not since she works with this guy's mom and she's easily taken advantage of. Help please, any input would be highly appreciated!

I own a condo, which I reside in. The unit directly above me is a rental property. So, a pipe was leaking from the unit above me. HOA says the upstairs unit is fully responsible for any costs incurred in repairing the pipe and restoring my bathroom due to the water damage it caused. The breakdown in cost for my Master Bath is as follows: \*Demolition:   $2,879.00 (already completed) \*Remodeling:  $4,554.39 TOTAL COST:   $7,433.39 The upstairs neighbor’s insurance company, Farmers, just paid me a total of $5,570.51 to cover all costs associated with the completed demolition and for the not-yet-started remodeling. That leaves a shortfall of $1,862.88 to make my bathroom “whole” again. Farmers explained that there is depreciation. My condo was built in 1986. I believe the bulk of the cost associated with restoring my bathroom is labor. Not the materials. Right? Since you can't depreciate labor costs, how can the insurance company justify paying out a significant amount less than what is needed to return my bathroom to the condition it was in before the water damage? For example, one item on the list the contractor submitted to the insurance estimate was $290 to hook the toilet back up and reset it. I asked the contractor how much the cost would be for the material to do that. He said all it takes is some wax. I asked him for a breakdown of material costs vs labor costs, and he said he can't come up with that because it's complicated, and the computer spits out the pricing already bundled together. This is my first time buying a place to live. So, I am not as familiar with all of this, and if I am being denied something I am entitled to from the upstairs owner's insurance. Here is a summary of what the General Contractor submitted to Farmers: Recap by Category O&P Items Total % CABINETRY 710.40 15.60% CLEANING 158.33 3.48% GENERAL DEMOLITION 182.82 4.01% DRYWALL 732.75 16.09% ELECTRICAL 214.02 4.70% FINISH CARPENTRY / TRIMWORK 280.02 6.15% HEAT, VENT & AIR CONDITIONING 13.28 0.29% INSULATION 49.76 1.09% LIGHT FIXTURES 58.29 1.28% MIRRORS & SHOWER DOORS 191.83 4.21% PLUMBING 581.01 12.76% PAINTING 564.27 12.39% O&P Items Subtotal 3,736.78 82.05% Material Sales Tax 58.47 1.28% Overhead 379.57 8.33% Profit 379.57 8.33% Total 4,554.39 100.00% Should Farmers have to pay the full amount to restore the bathroom to its original state? If not, how do I go about getting the remaining amount if I am not responsible for costs?

My 14 month old cat has been to the emergency vet twice since we adopted her a year ago. 8 weeks ago she went in for swallowing a button. She had been vomiting all day. Luckily it came out naturally after she spent the day hospitalized with an iv to hydrate her. Last week she started vomiting again. I’ve been traumatized but the fact that she swallowed a button, my best friend’s cat had to have surgery to removed a nerf ball, and my other best friend’s cat had to actually be put down for eating the rubber off of swimming goggles, he had other issues and they didn’t think he would survive the surgery. All this happened since my cat first went in 8 weeks ago. So I probably should have given my cat a few more hours to see if she would stop vomiting. Turns out she had suspected gastritis. Now I’m afraid that we will get dropped from Fetch insurance if I submit the last claim. Should I submit the claim? Will I get into trouble if I don’t submit it?

Homesite Insurance I bought my condo five years ago and have Homesite Insurance (according to my recent research, this is not good…). I just filed a claim with them about what my plumber suspects is a faulty toilet wax ring which has caused water damage in the condo unit below mine. Chances are my bathroom will be out of commission for a bit. My question is this: has any one had at least a neutral experience with Homesite? Any tips on how to make sure they do what they’re supposed to? I’m doing my part by brushing up on my insurance policy. Any advice on how to avoid delays is greatly appreciated! I guess I’m just looking for a little hope, lol. Thank you!

I pay my Home Insurance through my Mortgage Bill every month from there my lender pays my Home Insurance. For the second year in a row they have failed to pay the Insurance company (Progressive). Unfortunately it renews in July and if the payment isn’t remitted by the first from the Mortgage Lender it lapses. My neighborhood goes crazy on the 4th everyone and anyone capable of flicking a bic lights fireworks. Should the payment not be submitted by the first and it lapses; worst case scenario something happens on the 4th would the Lender be responsible for any damages being they failed to pay the insurance bill?