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.

Are there any stated income HELOCs out there? I dragged my feet on UMPQUA which auto approved up to 100k, but when I finally got around to applying, they changed their DTI from 50 to 40% and their estimated DTI for me came 38-43% so it triggered stips. I don't need a HELOC, but would like to open one just in case. Figure is popular, but requires you to draw the full applied amount for, and they charge you 5% off that (big no thanks). I have about $200k in room for 85% CLTV, but I'm ok with max limits of $100k for auto approvals. Anything full doc is not worth my time, so I don't want to go down those avenues, and I don't want anything that requires a draw at open that you get a fat charge on. Thanks!

Hey everybody, I hope it's alright to post as I'm from the UK but we are in the south west and my elderly grandmother (I think she is around 87 but she hates telling us her age) Has been being charged 85 pound a month according to her bank statements by pet plan. He is an elderly jack Russel now but she would have got him insured a lot younger but I'm not sure of his age exactly. He has no pre-existing medical conditions and my grandmother is not very good at managing online but she wants her independence. Can anybody recommend a pet insurance company in the UK that is easy to use/acsess the details of? TLDR: What is a good easy interface/acsess pet insurance company for a senior jack Russel?

I am a trusting person. I will state this upfront. We switched home insurance carriers last year. I was told by someone that they discontinued our vinyl siding and to purchase or look for a matching endorsement for it when I switched. I talked with the insurance salesman who I asked if they have a matching endorsement for vinyl siding. He said “it is not needed” i then asked clearly “if one side of our house is damaged and the siding has been discontinued you will replace all of the siding correct?” His response was “yes we will make it right, we will make you whole” Low and behold. Massive hail damage to one side of our house. Our siding is discontinued. Insurance says we will just try and match it to the best we can. Is there any recourse here?

Today I bit the bullet and got Embrace. My mom has spot for her animals but only accident and illness. I chose embrace because it was a little better financially and would cover wellness exams. I wanted to see everyone’s opinions on different insurances. I get the impression that many don’t like embrace which is a little worrying to be honest, but I’m going to wait and see how I like them after I get my dogs anual done. She’s older and I just wanted her to be covered by something before I bring her in. Seeing that most if not all of the insurances will not cover anything preexisting. I did ask about a preexisting condition in my dog (torn ACLs) and if it would be covered since that hasn’t been an issue for years. The lady I talked to said that since it has been an issue in over 12 months it would be fine, which I found pretty surprising tbh. She explained it like - if your dog had a belly ache 3 years ago and it came back that’s something they’d cover. But if it was a chronic thing before you started insurance then no.

I reported a provider to my ins co for balance billing. The provider wanted me to sign a waiver allowing them to balance bill me. I asked the rep if this waiver is illegal, and/or would it get the provider kicked off for violating their contract. I really couldn't get a straight answer. I was just told that unfortunately a lot of providers do this, and there's no guarantee of what will happen to them. Is it worth it to also report them to my state's insurance division? I don't want to waste my time if these balance billing waivers are legal.

I’ve never had to worry about health insurance before, so I have not learned any of the insurance lingo or terms. I’m in a very specific, very tricky situation. I was in an accident 2 years ago that I am still recovering from. I have a plastic surgery that I still need done to complete the recovery. At the same time, I am being kicked off of my parents insurance. Is there a reputable insurer that young adults generally use? My parents suggested AmBetter, but their reviews are really poor and lots of reviews say they deny coverage for surgeries. I’m willing to pay a premium if it means I can get better care throughout my recovery. I still need physical therapy and a permanent shoe-lift made. I’m hoping to find insurance that will cover me through all of this. I cannot get insurance through an employer, because I can’t hold any serious jobs that offer insurance while I am going through recovery. Any tips are appreciated, thank you in advance!

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?

Now paying $500.94 every 6 months for our 5 year old goldendoodle. We have minimal claims in the past year. Went up significantly this year. Does this sound right around everyone else? We feel like this is a lot to pay but nervous to go down on our coverage in case of an emergency.

Last year, my home was hit by a vehicle and became unlivable. I was advised to create a claim with my insurance company. I had a disaster restoration company come out, provide a quote, paperwork signed, my insurance paid out a portion of the estimated total, I paid the deposit to the restoration company out of that. That was six months ago and no work has started, and here is (allegedly) why: 1. My siding has asbestos. Contractor says they cannot fix the damage without disrupting the asbestos on the two undamaged sides, therefore insurance needs to pay for four replacement sides, not two. According to contractor, this is an EPA regulation. Insurance says because it’s not township code, it doesn’t matter and they will only cover two sides. 2. My hardwood flooring is original to 1950 and has no subfloor. The subcontractors won’t fix without installing subfloor, as the type of hardwood used in 1950 does not exist and today’s would not be strong enough. Insurance will only cover fixing the damaged area, which means I will have a visible difference and seam in the hardwood. Again, because it is not code, Insurance is pushing back. I have not received an actual denial letter, I’m just being told by the adjuster that nothing is happening. I requested to escalate to a supervisor two weeks ago, still no updates. I’m overwhelmed and I’ve been out of my home for more than six months. Questions: 1. Do I need an attorney, and if so, what kind? Google hasn’t been helpful. 2. Am I within my rights to get a new quote for the siding and hardwood flooring separate from the other repairs? 3. Why is this going through my insurance and not the insurance of driver who hit the house? I only filed with my insurance because I was panicked and a neighbor told me to, and I’d rather argue with the bad guy’s adjuster instead of mine. I feel like I have to play nice with everyone, but the anger and resentment and frustration is building.