Help me understand this one. My wife was injured by my neighbor's dog, knocking her down and tearing her ACL (it wasn't aggressive, just large and friendly, freak accident.) Surgery was very expensive, went through my employer based insurance, no big deal. We start getting letters from Conduent, asking if someone else was responsible. Yes, neighbors dog and property. Gave them the insurance info, we all expected some subrogation of claim and I'd prepped my neighbors for that. Then I get another letter asking about what legal representation we retained in a suit against them. I called them and told them we haven't sued them. That we have a good relationship either our neighbors, it was a freak accident, and we aren't litigious. The woman sounded extremely skeptical and said something to the effect of "let's see how you feel about your neighbors in a few months. I'll check back in 6 months." It was the tone that really bothered me, sort of like "oh you just wait and see, you will!" Like something is coming down the pike that's really going to ruin my day and make me want to sue my neighbors. Can someone walk me through this one? Insurers work together in auto accidents without requiring litigation, I figured it would be the same thing here.

Hi all — I’m following up on a post I made over a year ago regarding a dispute with my former neighbor in an HOA community: [Original Post](https://www.reddit.com/r/legaladvice/comments/17kskaq/neighbor_wants_us_to_remove_trees_trench_and/) At the time, the neighbor was demanding that I remove trees and trench my property due to alleged view obstruction and root intrusion. I consulted with an attorney back then who told me to wait and see if the neighbor actually filed a lawsuit, as the demands seemed like a scare tactic. Their advice was to assume he might just be bluffing unless I was formally served. **Fast forward:** I sold the property and moved out of the HOA community. A few weeks **after the sale was finalized**, I was served with a lawsuit from the same neighbor. The lawsuit includes eight causes of action, mostly related to HOA CC&R violations, nuisance, and alleged property damage from tree roots. **The plaintiff is still a member of the HOA. I am not.** I no longer owned the property and was not a member of the HOA when the lawsuit was filed. **My homeowner’s insurance is providing a defense attorney that will be defending me wholly but will only financially cover the property damage claims.** They will not cover any claims related to HOA CC&R violations, "loss of enjoyment," nuisance, or attorneys’ fees. The claims adjuster also told me that I could be responsible for the plaintiff’s full attorneys’ fees if he prevails on **any portion** of the case, even a minor claim. They are pointing to this clause in the HOA CC&Rs: *(i) Attorneys Fees.* *Any judgment rendered in any action or proceeding pursuant to this Declaration shall include a sum for attorneys’ fees in such amount as the court or arbitrator, as applicable, may deem reasonable, in favor of the prevailing party...* # 🔹 What I’m really trying to understand: Does the HOA’s CC&Rs and this attorneys’ fee provision still apply to me, even though: * I was **not a member of the HOA** at the time the lawsuit was filed. * I had already **sold the home** and was no longer bound by the CC&Rs. * **The HOA did not have any open or pending violations against me at the time of the sale.** * The claims are mostly based on alleged violations while I lived there. Is it common or even legally valid for CC&R provisions to be enforced against a **former homeowner**, when the lawsuit was filed after the sale? **Has anyone dealt with a similar situation?** Any legal insight, personal experience, or thoughts would be really appreciated. I’m trying to gauge how much personal exposure I truly have beyond what my insurance is covering. *(I understand this is not formal legal advice, just looking for shared experiences and general guidance.)* Location: California

In New Jersey here. I’ve just been having awful luck with my car the last few years and I’m trying to figure out how to proceed. My driving history abstract pulled 1/2025: December 2021 - ticket obstructing passage of other vehicle March 2022 - fender bender - at fault but not shown on my abstract. insurance paid October 2022- My leased 2019 Jeep Cherokee was totaled in a hit and run accident. Not at fault. Insurance paid May 2023 - a Tesla and My new Kia sportage (financed in 1/2023) collide while both Backing out of opposite parking spaces. not shown on my abstract. Insurance paid November 2023 - got out of my Kia sportage, wasn’t in park and rolled away from me and hit a garage wall. Insurance paid. progressive sends nonrenewal notice. January 2024 I can’t find any insurance coverage for less than $1000 a month. So I give up, unregister it, leave it uninsured just and put the car in the garage. It’s been 15 months without a car. I still can’t afford to insure it. My sister and I decided we would trade cars. I would take her 2015 Chrysler 200 since it’s paid off and see if I can get cheaper insurance. Then she could register and insure my sportage under her name and use it for herself. we’d prefer not to refinance it in her name because we’re going to split the finance payment. My portion would be like paying her for the Chrysler. So that’s our plan but She has NJM and they’re saying they can’t insure the sportage if she’s not on the loan. Is this possible? Also any insights the situation as a whole and what to do to proceed? I really need to get back on the road. Any help is greatly appreciated! Thanks!

I have messaged optumrx several times to stop automatically filling medications for me. I would like to do it manually because many times my doctors send orders for as needed medications that I use maybe once or twice a month and have years worth of usage from constantly having it sent. Despite attempts, they never fix the problem. What can I do? Age 28, state FL, gross income 80k

I have a 2yrs old terrier mix and got his insurance through Lemonade when I first adopted him 10 months ago. He was nervous when I took him to the vet for the first time before I got his insurance, so the vet recommended Trazodone, but I declined because he was okay at home. He started developing anxiety around noises, people, and other dogs 1-2 months after I got Lemonade, and I filed a claim after seeing the vet. They denied the claim, so I appealed by having the vet send them an email saying that his social anxiety is a new condition that had developed recently. They did not take that and denied the appeal, saying it was a pre-existing condition. He has to be on multiple meds and needs behavioral training, and I’m very frustrated. I know that other insurance companies won’t cover any cost for his anxiety at this point if I get a different insurance. Still, I don’t want anything like this happening in the future(I read that similar things happened to some other pet owners who use Lemonade), so I’ve been looking into different insurance policies. I’ve read some good stuff about Pets Best and Spot, and I’m trying to decide between them. Does anyone have recommendations? Experiences with those companies? Any opinions are appreciated!

I have a six-year-old lab mix (50 lbs) who is in good health, but a couple months ago, she was limping a little bit and had an x-ray in which the vet I saw said there was some minor flattening of one of her hip joints. I have a family member who is a vet in another state, and she said from the scan she saw, there was nothing worth noting or treating and she seemed to be in perfect health for her age. She’s also stopped limping entirely about a week or so after that appointment. However, I know that the vet we saw does have it in her chart. I tried to file a claim on this, but as with literally every other claim I have ever made (nothing serious or crazy expensive so I let it go), it was denied. I have had Figo since I got her at 1.5 yo (rescue), but the same plan that I still have since I signed up shortly after adopting her started at about $25 a month, and now is creeping up to almost $125. My annual renewal date is mid February, so I have been thinking about making the switch. However, I am wondering if because of this last visit, if she were to develop hip dysplasia later in life, they would use that as an excuse not to cover anything. Barring any accidents or random injuries, it doesn’t seem at this point that anything else is concerning or showing signs of future problems at this point. She’s an inside dog and has always been up-to-date on her shot and flea, tick, and heartworm meds. The vet did bloodwork when I took her in for x-rays, and everything came back crystal clear, as it has any other time she has had blood work done. I’ve just become increasingly frustrated with Figo given the price hikes every year and their refusal to accept anything. I feel like I’m wasting my money, but don’t want to get screwed over later on if a new company sees it a pre-existing condition. But I’m also too anxious to not have any insurance at all. Anyone have experiences similar to this? Any advice? Do I just tough it out and keep shelling out the cash just in case? I know I should have probably switched years ago, but here we are.

I’m confused and need some advice on my current situation. I was involved in a rear end accident, not at fault. Car is drivable with a minor dent in the trunk and paint chipped. The facts: - car is a 2014 Lexus es 350 - The person at fault has Liberty Mutual - initial estimate from their in network shop was $2100 - after they began working on it the supplement charges ended up close to $8700 after being in the shop for about a week and having a rental Today I got a call saying that the car was deemed total loss because cost to repair is over the 75% threshold. I still owe on it the car. What options do I have? Could I take it to another shop to get a lower estimate? There current labor charges were over $5k. I feel like as the victim of this I’m still getting the bad deal by not only losing my drivable car but also potentially paying out of pocket for the gap and rental. What should I do?

I received a letter today from Rawlings Company on behalf of my insurance company BCBS. I was in an auto accident in 2024. Single vehicle. I was the driver and my daughter was the passenger. Thw letter is confusing and it mentions that I was making a claim to another party's insurance or my own. It goes on to mention a settlement. And ends with if I choose to hire an attorney please provide their information. What in the heck is this? I'm so confused

I’m going insane trying to get my dental benefits sorted out with Cobra. I paid my Cobra on 3/8 (first month) and MetLife made my plan active, backdated to 3/1. On 3/12 it was canceled again. 3/15 active again. 3/17 canceled again - MetLife said call Cobra servicer. Servicer sent in a reinstatement and it was active again on 3/19. I log in today and it’s cancelled 3/24 AGAIN. I paid for a month of benefits and I haven’t even been able to use them. MetLife acts like it’s the servicers fault. Cobra just sends in reinstatement notice. Repeat. What do I do in this situation? I have oral surgery in a month and god only knows if it’ll be active or MetLife will decide to cancel it on that day. How do I go about escalating this?

**Odie is taking my monthly money and not holding up their end of the bargain.** **UPDATE:** Odie responded to my Google review and processed my three claims. They denied coverage for all of them, stating in the EOB "preexisting condition." My dog developed this condition while a policy holder on ManyPets, ManyPets processed claims for this condition regularly (which is why we have the insurance), and Odie stated there would be continuation of care. **I've filed a claim with my state insurance commissioner, thanks to the recommendation of this sub.** I was switched to Odie from ManyPets when ManyPets sold and want the world to know: ODIE IS A SCAM. GET OUT WHILE YOU CAN & DEF DON'T SIGN UP. Aside from the significant increase in monthly cost and 20k coverage limit on a previously unlimited plan, Odie is...nowhere to be found. My claims are not being processed, nobody answers the phone, the chatbot isn't responsive, and I literally cannot get any information.