Pretext: In michigan, 2019 Equinox. So the girlfriend rear ended a trailer, resulted in a decent amount of damage to the front end. Part of the damage was the axle being ripped out of the transmission, loss of fluid and all that goes with that. She files a claim, we take it to a preferred body shop that is a Cadillac dealer. Repairs were made, we pick it up after it’s ‘finished’. I am the one who picked it up and noticed almost immediately there are shifting problems that did not exist before the accident. Called the body shop and they said they would be the first step, so the car was parked and we went out of town for the 4th of July weekend, dropped he car back to the body shop the following Tuesday. Have waited this long for an adjuster to rule that it is not loss related due to it being internal to the transmission. And because he can’t see an impact to the transmission, it would not be covered. I understand it would be hard to prove the problem didn’t exist if it were left only my word. But Progressive won’t pay the diagnostic hours to find out what the problem even is. Am I out of line expecting more out of this? For a car that operated flawlessly before an accident, shouldn’t I expect the same after repairs? What should the next steps be? When I asked about an appeal process the adjuster said they’re really isn’t one, and two supervisors already agreed with him. Am I SOL?

Location: Oklahoma I need some advice and around march I had a bad wreck and totaled my vehicle . I still owe money on my vehicle loan that I don’t have right now, and my insurance company is stating that I need to pay off the loan or give them my vehicle back. The body shop said I did roughly $9000 in damages. But I had 2 different mechanic friends say that they can fix it for $1000 to $2500 max. My plan was buy the vehicle back and get it fixed for around what my friends told me. My insurance company is telling me that I need to pay the loan off or give vehicle back to them before they do anything. I would really like to keep the vehicle and fix it. It seems shady that it would have to go to an impound. What do I do? I have the vehicle at my home right now and I don’t have the funds to pay to have it towed an hour away or an hour back.

I’m not having a good experience with Pet’s Best. Started my policy in November for a 3yr old rescue. It has been about 4 weeks since I submitted my last claim. Emails came saying they’ve reached out to (wrong vet) for medical records. I call my vet and they get emailed to PB within minutes. Today I get another email asking for my help. I forward the same email from my vet to them. Then sign in to see they have all the medical records and have labeled them “valid”. It’s almost like they’re holding off until I get charged for another month. Meanwhile, they reimbursed for hookworm medication within a week of submitting the claim. That was my latest claim.

My basement flooded this week with 5 inches of water. We have had a lot of rain. The sump pump appears to have given out and the backup sump pump didn't kick on. This has not fully been confirmed as the reason for the water because when the plumbers arrived the pit was only 2/3 full and water wasn't flowing out. BUT we have not been able to identify another cause or factor for the flood. The plumber mentioned that it could be due to malfunctioning drain tiles. We had an inspection and it was confirmed our house does not have drain tiles. We have insurance through All State and our policy states the following is **not included.** > Water or any other substance overflows from a sump pump, sump pump well or other system designed for the removal of subsurface water which is drained from a foundation area of a structure. I don't think there is much room for negotiating coverage with All State, but posting here because I am **desperate**. Does anyone have advice on what I can look into or how to try get this covered? The assessor is scheduled to come in 2 days and trying to get a case out together. TY!

Location: Oklahoma Long story kind of short, I was in a car accident on Oct.4th, and the other party was at fault. At the scene they acknowledged they were at fault and their insurance looked up to date. At the moment, I felt that calling the police for a report was not worth the hassle, a mistake I know now. While at the scene the driver was on the phone with their mother and told them they were on their phone at the time of the accident, which she later denies. Additionally the drivers mother wanted to speak to me on the phone and was very adamant not to go through insurance and that they wanted to pay out of pocket, which I refused, I didn't think much of this comment in the moment but is important later. I filed a claim with the insurance they provided and a few days later they told me they were not insured at the time of the accenet. My father reached out to the drivers father as he is the person on the title of the vehicle, and this is when we found out the drivers father is the Chief of Police for a small town bordering my city where the crash occurred which is in the same county. At this point we were given updated insurance from the driver and I made the claim with their insurance, which was denied as they were denying what happened at the crash. Some context to add to this is that this was a new driver and had their license for only about a month and were 16 and were heading to their first day of work at their new job. I filled with my insurance who sent it to arbitration, and it was radio silence for 4 months and they would not even return my calls, thanks Progressive. I called today and told them I need an update today, and the new rep I got was amazing and told me everything I needed to know and they should have told me months ago. Arbitration determined the other party was at fault, which was obvious from the damage, and they were not insured at the time of the crash. So it turns out they tried to buy insurance right after the crash and did not tell anyone. Progressive wants to send them to collections to get some of my deductible back, but I would like to get my full deductible and loss of value (at the minimum). So my question is is small claims court enough for the $2k deductible and $2k loss of value, and do I need a lawyer? I have already waited 6 months, and while if I need a Lawyer I want them to get paid, but I feel like I shouldn't have to pay legal fees for this especially due to the criminal behaviour on their part.

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?

After months of insurance I finally needed to go to the vet. Submitted a claim. They wont reimburse anything saying its all pre existing but it never happened before! Beware!

My girlfriend received a collection letter last month about an outstanding AllState Insurance bill she does not believe she owes. Following my advice, we sent a debt validation letter to the collector, using a template we found on the cfpb (consumer financial protection bureau) website. The response from the collector did not make much sense to us. They essentially said "we need more information from you to provide the info you asked for. You also didn't provide any info to dispute the debt"....which is not what we were trying to do. Does this response mean they do not have the information to validate the debt? Or did the template we used not do what we expected? Is the next step to file a complaint with the cfpb as [this](https://www.consumerfinance.gov/ask-cfpb/what-information-does-a-debt-collector-have-to-give-me-about-the-debt-en-331/) page suggests, or do we just ignore this and go on our way? By the way, this isn't affecting her credit yet. **First two images are the validation letter we sent. The last image is their response:** https://imgur.com/a/EWyOVfO

Location: Virginia I live in Virginia — a state where “as-is” sales are firm, but not completely lock-tight. I bought a 2015 Chevy Silverado 1500 from a small used car dealer less than two weeks ago. It was sold “as-is,” but the salesman promised a 90-day free warranty at the time of sale. Later, I was told it wasn’t added because he had “already paid processing fees.” Four days after purchase, the transmission started acting up. By day five, it was shuddering, slipping, and losing power. I took it to a trusted transmission shop, and they dropped the pan and found a significant amount of metal shavings — consistent with a problem that had developed over many months. This wasn’t a sudden failure — it was clearly a pre-existing issue. I thought I was covered under the extended warranty I believed I was buying through my loan. Turns out that warranty (Route 66) denied the claim, stating the damage was pre-existing. Here’s what I’ve done so far: •Filed complaints with the BBB, Consumer Protection Agency, and the Motor Vehicle Dealer Board •Reached out to several lawyers — I’ve got two consultations scheduled, but they’re still a ways out •Still struggling to find an attorney who handles consumer auto fraud/litigation in my area •Tried contacting the dealership multiple times — I’ve: •Called both numbers posted on their door •Left voicemails •Emailed •Messaged them on Facebook •Even stopped by in person — no one was there •The last thing I heard from them was “follow up after the diagnosis” — and nothing since •I’ve also requested cancellation of the warranty since I feel it was misrepresented and clearly not helpful Now I’m stuck using money that was supposed to go toward my loan to cover the canceled warranty and looking at paying out-of-pocket for a major repair. At this point, I feel completely stuck. Has anyone else been through something like this in Virginia? Do I actually have any legal options — or is this just one of those expensive, awful life lessons?

My father was heading home 5 minutes away from home actually. When I got a call from him saying that he had been in an accident. Since it was five minutes away, I rushed over there. When I arrived, a nice lady approached me while I was recording saying that it wasn’t my fathers fault and that the other two cars involved, a Charger and a Camry were racing, speeding down the street while swerving in and out of lanes. I spoke to another witness who blamed the Charger for going 80 mph in a 40 mile zone and said that the Charger caused the accident because he collided with the other Camry. All I know is that my father got hit, the driver of the Camry was taken to the hospital. Now, my father being the nervous man that he is told the officer that he was already turning left into the resident street. My father speaks very little English. Well the officer automatically blamed my father saying that the speed of the other cars didn’t matter because they had the right of way. Well when my father came home he clarified to me that he meant he was waiting in the yellow lane waiting to turn left into the resident street when suddenly the Camry and Charger were racing down the street. My father explained that the Charger hit the Camry on the side which led the Camry to lose control and hit my father head on. I gave the officer the witnesses numbers. The witnesses indeed said that the other two cars were speeding and yet he didn’t give them tickets so that’s a bummer. Now the Camry got a lawyer against my policy. Essentially everyone got claims against each other. Now, GEICO, the Camrys insurer sent a letter to my father stating that they would not be able to pay for his work truck because their investigation concludes that the Charger was at fault for not having proper lookout. I need advice on what to do. Does this mean that the Charger will be paying my father? Does this mean that since GEICO is saying that the Charger is at fault then the Camry should drop the suit against my insurance company? What do I do!!!! Please help.