Location: Dallas, TX. I was out of town in November, and my vehicle was being driven by my housesitter, who was involved in an incident where (I believe) the other driver was at fault. She stated she was sitting at a four-way stop when it was her turn to move forward and a driver came through the intersection without stopping and swiped the side of my vehicle. He provided to her his drivers license and car insurance information at the time of the incident. When I returned from my trip, I filed a claim with his insurance, which was USAA. No police report was filed. I have insurance through Texas Farm Bureau but liability only with a 1k deductible. The first agent I worked with at USAA was completely unresponsive, I reached out multiple times to her over the course of several weeks before I had any follow up and had to escalate my claim to a manager. Finally, a second agent was assigned. The second agent originally told me that, based on the first agent’s notes, the claim would be closed in my favor, she just needed to verify with her manager because no one had been able to contact the driver. The next time we spoke, however, she said they needed to speak with the driver to verify events before they could close the claim. Basically, over the course of several months, the driver refused to contact USAA or speak with them about the claim. According to the agent, they sent several letters and calls. I’ve just received a denial letter from USAA and the advice from the new agent is that I file a claim with my insurance and they can try to recoup any monies from USAA; however, I’ll basically just be paying out of pocket bc of my 1k deductible and liability coverage. I haven’t gotten an estimate on my vehicle yet but the damage doesn’t seem extensive, I would think maybe $1000-1300 in repairs; however, much more than I can afford. Do I have any recourse to get this handled with USAA? Updated to add paragraph breaks. :) Also updated to say I will double check with my agent about my policy tomorrow (they're closed now). I thought I had liability with a 1k deductible but I'll double check on whether or not thats for collision coverage. I looked at my policy documents and I can't tell what I have... Thanks for all the help !

Hey friends, I got rear-ended while waiting for the highway exit. It is pretty clear the other party is liable. The other car was a Nissan car and is insured by this Infinity Selected Insurance Company. The insurance company acknowledged the liability, looked at the photos of my damage, and just sent me a check. But they also said I can reach out to any bodyshop for repair. I did, and the bodyshop found more damage inside and the repair fee is a lot higher. What to do next then? The bodyshop said they will send the inspection report and photos to the insurance for an increase amount. I also think the bodyshop might be exaggerating a bit regarding their quote. Is this normal practice? What should I do to make sure the insurance don't deny the claim. It's a brand new 2025 car so I don't want to pocket the money. I just want the car to be repaired properly. Any suggestion is highly appreciated. Thanks a lot. \-- Alex PS: I live in Bay Area, CA.

I’m going to be having a baby soon and wanted to know if I will get paid my short term disability leave if I am no longer working? I signed up for Aflac always which says it locks in the rate but I don’t want to continue paying for it if they are going to deny me.

We live in a townhome in Florida with an HOA. For context, we do have an HO3 policy. After Hurricane Milton, we sustained damage to the roof of our unit, which caused leakage into our garage. We notified the HOA after seeing the damage, and we were advised that when there is a “named storm”, the individual owners are responsible for paying for roof repairs. The HOA coordinated repair with the company that services our roofs, and we were advised we could pay out of pocket or file a claim with our own individual insurance company. The amount is $2000, but our hurricane deductible is much larger, so we will elect to pay out of pocket IF it’s accurate that HOA is off the hook. We have a copy of our bylaws but cannot see where we are responsible for this repair. All other times where there have been roof leaks, the HOA covers repairs. We asked the board members to point to where in our bylaws that it states we are responsible, but they refuse to answer. Does anyone have any insight? I will also post this to the HOA sub. Thank you!

26, California, $37,000. My health insurance provider denied me access to estradiol for the purpose of gender transition (MtF). I was prescribed this by my doctor and they called me to inform me that my insurance excludes anything under gender related health care according to a denial letter they got from the company. Blue Cross Blue Shield Kansas City provides the health care in Missouri because of the company being nationwide, although I am based in California. I have yet to receive a copy of the denial letter myself, but plan to get a copy of the one from my doctor's office if I don't receive one in the mail this following week from the company. According to the BCBSKS website they do cover gender transition and when I started this job I asked them if it was covered. My H.R. representative seemed confused about the denial and said she'd look into it as she'd never run into this before. She also that they supposedly cover gender related surgery at a certain percentage so something seems fishy. Is this a recent policy change? What are my options? I'm currently filing a complaint through my recently formed union at the company and will be using GoodRx to be able to afford it, but now I'm worried if I tried to receive anything else transition related and am frustrated it won't go towards a deductible. I don't have the letter of denial yet. Will I be able to appeal with information on the letter? Is this legal since I am a California resident or is it all purely through Missouri laws? Just looking for advice.

My car was involved in an accident around July 4th, 2024. A little bit of backstory about the car. I had purchased a car used at the end of December for about $12k in cash. It felt like a solid car to drive, was well within its KBB value, and was signed off by a mechanic before its purchase. I needed a car for work since I had been reprimanded by my boss for not returning to the office when our Return to Office mandate was in place. I was eventually laid off for being out of compliance with this mandate a month later. Below is the account of the incident from my sister, who was driving during the time of the accident: * 7:15 pm - Leave the house to go to Whole Foods. * 7:50 pm - Gets pulled over by a police officer for having the taillights out. The two side tail lights were out, but the top one was still working. The officer mentions this to her and says that she should go home before it gets too dark. * 7:51 pm - Makes a stop at Whole Foods since she was a minute away * 8:38 pm - Leaves Whole Foods * 8:45 pm - He had to make an emergency stop for a flock of geese and gets rear-ended. She mentioned that she was able to stop, and there were other drivers around here who were also able to stop, but the person behind > her most likely wasn't paying attention. * 8:47 pm - The police were called onto the scene. * 9:00 pm - My brother arrives to pick up my sister, and my car was towed to a lot. I was not able to get any information from the police department on the stop that was made before that night. When I tried to file a claim through my insurance (Progressive), my claims specialist mentioned that there was nothing that they could do since I only had accident coverage, not collision. However, they felt that the other party was completely liable for the accident. From the accident report, I was able to get ahold of the other party's claims specialist (Allstate). They had mentioned that their party already filed a claim and that they would be reaching out to the driver for an account of what happened that night; my sister mentioned everything that I had written above. The specialist called back the following day, stating that the case would be going to arbitration and that I would be notified by mail on the resolution. She also mentioned that I could supply any information about the car to help my case. I provided some pictures of the car as well as the still functioning top taillight. I called back around the end of August to see if anything had been settled, but they again mentioned that I would be contacted by mail when a resolution had been reached. Fast forward to December of 2024, and I still hadn't received anything in the mail. Since I lost my job in February and was struggling to find work, I had to terminate my lease at my current apartment. And since I would be moving back to my childhood home, I wanted to make sure that the letter that I would be receiving was going to the right place. When I contacted the other party's specialist, they mentioned that not only was the case primarily for their party's damages, but it was also thrown out in September. They also let me know they would only be willing to cover 50% of the damages to my vehicle since my sister was aware that the car had 1/3 working taillights. With this in mind, I decided to call a few collision specialists in the area to get an estimate of the damages. Of the few places that I reached out to, only one would give me some information without going through insurance; that of which they mentionedd it would be anestimatedd $8k - $14k in repairs. Considering what I paid for that car, I'm not too sure what to do. I feel that the only thing that I can do now is try and see what I can get back from the scrapyard. Also, this is the first vehicle that I've ever owned, so I'm new to insurance and accidents as a whole. I also still don't have a job at the moment, so it probably wouldn't be in my best interests to try and spend $4-7k in repairs. The car is at my house for the time being, but I'd rather do something with it sooner than later. Typing this out makes me realize how terrible the decisions that were made have been up until this point. Any help would be greatly appreciated.

I might get flooded with 100 "No, why didn't you read the policy language" comments, but it's worth a shot! My partner and I have been with Trupanion for four years, and we have a love-hate relationship with it. (But it feels like that's common for most pet insurance providers -as with insurance in general). We have been fortunate to gain more financial stability in the past year and decided we wanted to add "Recovery Care" to our plan. This would raise our monthly premium from $145 to $190, but we decided it was worth it. However, when we reached out to Trupanion via online chat to add this coverage, they let us know that they have a policy that you cannot modify your policy \~at all\~ after 30 days of joining said policy. This is wild to me because financial circumstances change, and...why would they not want to get more money? Now I'm seriously considering changing providers. My question, before "jumping ship" from Trupanion is: has anyone gotten them to waiver on this policy? I'm also going to call their customer service line to see if I'd get more traction there compared to the online chat, but I thought I'd ask here too.

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!

Location: Southern California, USA My roommate and I had a year fixed lease in a 2b/2b, ending summer 2025. A month ago I discovered a leak coming from the wall in my closet. Landlord brought plumbers to check it out, they opened the wall a bit and discovered cracked pipes. The next week I was asked to leave for 2 weeks for repairs, in which I used renters insurance to cover my hotel (waiting on reimbursement still, but it should be coming). After the 2 weeks, landlord couldn’t get a response from HOA on when the repair would be completed. Landlord suggested I break my lease and move since she wasn’t sure about the timeline (pipes only impacted my room, not my roommates). While trying to figure out my plans, she sent my roommate and I a text on Friday (3/28) afternoon that she is terminating our lease due to mold, and we need to be out by Wednesday (4/2) or sooner - she offered to reimburse March rent and give us $600 each for the inconvenience. Any advice on 1) is she allowed to do this and 2) how we can get more money or time? 2 business days is such short notice to make arrangements and the cost to move will be more than $600 TLDR: landlord terminated lease due to mold, have to be out in 2 business days. I haven’t been able to live there for all of March

I was involved in a car accident. I called the local police after the accident who came and filed a police report. After waiting for the form to be validated I obtained a copy from the DMV and provided it to the insurance. The police issued the other driver a ticket for failure to yield as she was pulling out of her driveway on to the road. I was traveling on the road and was unable to stop or avoid her in time and hit her car in the road. I took pictures of the accident which shows my car pulled over on the road, debris in the road and her car pushed onto the shoulder. I assumed with the police report and my other evidence I would be successful in filing a claim against her insurance. The insurance company notified that they will not pay for repairs to my vehicle as the other drivers statement does not match mine or the police report. They stated she is working to amend the police report. I’ve never heard of this so I called the police who told me the chances of getting the report amended are very slim and likely not to happen. The other driver claims she was stopped for several seconds and I should have been able to avoid her. The roads were covered with snow so stopping times were increased, I could not stop in time. I have no collision as my car isn’t worth very much and now have no way to repair it. Does anyone have experience in a similar situation on what my best options are with the evidence I have? So far I have filed a complaint with my states department of financial services, request a copy of the decision and appeal process with the insurance and stared researching the small claims court process. The insurance company refusing to pay is GEICO if that matters. Any advice to recoup some compensation for my damaged car is appreciated. tldr: got in accident other driver ticketed insurance refuses to pay for repair