My 2024 Hybrid XLE Rav4 got pushed into a ditch while on the freeway with less than 7K miles on it. Opposing driver did admit fault and the car's recently been repaired. Subrogation is completed and I received a refund for my deductible. I have the total cost of repairs receipt equaling out to around 15 K and currently have one of my friends who works in finance at a dealership pulling up some numbers to compare my car pre-accident value and now. I have the police report and some pictures of damages. I already hit up progressive and they essentially just said to send whatever it is I have over but I feel like there should be more to it. If anyone knows anything about this and is willing to help, I'd appreciate it. 1. Do I absolutely have to get an appraisal and spend money on a report?

Alright here we go. So July forth I was going down a back road (rainy) as I cut the corner I see this Tahoe coming at me at a 90 degree angle (she lost control) and just smashes into me. I didn’t have insurance on this car I had it’s one of my cars I don’t drive often, but with all the pictures and you can clearly see it’s her fault farmers insurance is still denying that’s it her fault I’m at total loss of words (no dash cam) I’m not going down without a fight or a payout so I’m consulting a injury lawyer but is this how it really goes? The pictures her car is just layed smashed into my car and they say it wasent her fault?

I (20F) lived in Massachusetts for a year for school, this was in 2023-2024. I was severely sick and needed to be transported by ambulance to the nearest hospital, I was 18 years old at the time (I went to the hospital in December of 2023) and was on my mothers health insurance (I still am, I am not the head/provider of the insurance). Within that summer, a bill for the ambulance was sent in the mail, because I was the one who used the ambulance, they had billed me -- however, my mother was in charge of the payment/financial bills since she is the head of the insurance and I was still in school. After receiving the letter, she had called the insurance company to resolve the issue -- of course there was some back and forth with who to contact, but it was ultimately "taken care of" (so it seemed). fast forward to now, I do not go to school in Mass anymore since I had transferred to another school within my home state. I checked my credit score (I do this every so often to make sure things are all good), and it was significantly lowered. I check to see why this is, I see that there is a "collections" that made my score go down in May of 2025. Of course, I am panicking because the bill is $2,800 and I had no clue of this until today. I have to wait until tomorrow morning to call my mothers'/my insurance company and then the ambulance company to figure this out. I am very lost and unsure of what to do, Ive had no information of this billing until today -- all from a credit report -- nothing in the mail, no phone calls, not emails, nothing. I would heavily appreciate some advice and guidance. \*\*edit: I use blue cross/shield. I check my credit score often to make sure everything is all good, I am a student who takes out student loans. This impacts my ability to do this severely. I always make my payments on time (both credit and loans). I need advice bad.

Someone hit my house with their car and caused property damage. The driver was determined to be liable and has Progressive insurance. I have an active third party claim with Progressive. The adjuster provided an estimate for the damages and a release of all claims form to sign in order to receive the settlement. Once signed, the release prevents any supplemental claims from the accident. I believe the estimate should cover the repairs, but I am not comfortable signing the release until the repairs are finished, or at least started, so I know for sure there are no further damages that are not visible. Do I have to sign the release before starting work or is the expectation that I would sign it at conclusion of work? Is there a specific amount of time in which I am required to sign the release of all claims form after it is initialized? My preference is to wait, but this is all new to me, and I am worried about making a mistake. My adjuster has not been very forthcoming with information, so I wanted to come here first for advice. Any info, especially related to Progressive third party claims, is appreciated.

Hi everyone, I’m a female in my late twenties, not pregnant, and I live near Bowling Green, Ohio (Wood County). I’m on Buckeye Health Plan and have been with them for about 3 years. Overall, it’s been fine. I like their 24/7 nurse line, free dental coverage, and that they cover out-of-state ER visits. I travel a lot to Florida, so that’s been very helpful. That said, I’ve noticed some limitations, especially when it comes to finding mental health providers. Another limitation is medication coverage; sometimes, even when the generic version is unavailable, it’s still difficult to get the brand-name approved. I’m considering switching to a Medicaid plan that offers more options and benefits, especially in case I face bigger health issues like surgery or serious illness. From my research, CareSource, AmeriHealth Caritas, and Humana Healthy Horizons seem to have the best options. I also like when plans are good with technology and keep their websites up to date. The problem is, after searching Reddit and reading different posts, the opinions are all over the place. Finding a provider is not a problem, and I’ve already read what each plan offers. They all seem good, so that didn’t help narrow it down. I just don’t want to switch and then be stuck with a plan I don’t like for another year. I’d really appreciate hearing from anyone who has experience with these plans and could recommend a good option.

A couple months ago I rear ended someone. They were waiting to turn right and I was behind them doing the same. They looked like they started turning, so I pulled up to the crosswalk and looked left to check for traffic, then started my own turn when the coast was clear - only to bump into their rear corner and realize they hadn't actually turned when I thought they did; they were still just waiting there in front of the crosswalk. I was at fault for beginning my turn without looking and rear ending them (I know you're advised to not accept fault at the scene of an accident but I'd never been in an accident before and I was pretty flustered). I apologized to the other party and we exchanged insurance and contact information. Neither of us wanted to call the police and they assured me they weren't hurt. The other driver asked me to call them in about an hour after they got home, but insisted I don't leave a voicemail if they don't pick up. I agreed but the more I thought about it the less sense it made to me if we were just going to go through insurance anyway, but I called regardless and sure enough they didn't pick up. They filed a claim later that day, I was found 100% at fault, and I thought that was it. Earlier today, however, I received a voicemail from that other driver asking me to call them when I could. I didn't see a reason to if our insurance settled it, but against my better judgment I went ahead and called them back. They told me that my insurance had refused to pay for their rental car, and wouldn't give them a "satisfactory reason" for the denial. They asked me if I could get in touch with my insurance company about it, and while I wasn't really sure what I can do about that, I told them I'd try. They did \*not\* ask me if I would be willing to pay for it myself, and I did not offer to do so, but I kind of got the vibe that they might have wanted me to if my insurance doesn't cover it. They also gave a specific number for the amount of the rental, leading me to believe they'd already rented it and were seeking reimbursement. So my question is, do I actually bother contacting my insurance company about this? I assume that they had a reason to refuse to cover it; the amount the other driver paid sounded like too much to me, but this is just my speculation. Even if it's just my insurance being stingy, this seems like an issue that the other driver should be settling with them or going through their own insurance for, rather than something they should be contacting me about personally. What could I even do? Calling my insurance company and asking them "hey uhh could you cover the rental for that person I rear ended a couple months ago, they said you won't for some reason" doesn't strike me as a good idea. My gut instinct is that the other driver is shit out of luck for getting an expensive rental before confirming that it would be covered, and I should refuse further contact, block their number, and let them deal with in

I was rear ended at a dead stop and it caused $13k of damage. I have a Hyundai Palisade with only 9.5K miles on it. Allstate accepted fault, but they are denying my claim for loss of value. They are saying since my Palisade was in an accident (also rear ended) three years ago ($17K damage in that one) that there would be no additional loss of value. I find it hard to believe the second accident would diminish the value of my car by ZERO. What are my options here? Thanks in advance!

I've had pet insurance with Lemonade going on five years for my cat. I just had to submit a claim for her, but I'm super worried I'm going to get a rejection because the nurse took inaccurate notes. When we were discussing my cat's history, I said that her chronic gastrointestinal issues started after her first attack of pancreatitis 'shortly after she was adopted.' The nurse instead noted that her chronic gastrointestinal issues started 'right after adoption.' I'm super worried that this will lead to my claim being rejected and my former claims being marked as fraud. Her issues didn't start until about 3-4 months after I got her vet insurance, and that was after the illness waiting period had passed. They covered her pancreatitis when it occurred in March 2021, and I adopted her in November 2020. Does anyone have any advice on how to prepare for the rejection which I assume is coming? Is the only thing I can do is ask the company to review her old vet records and see how they don't line up with what the nurse typed before that moment? Any advice is welcome!

After 3 phone ,RESENDING MY CLAIM TWICE AND APPX TWO MONTH LATER THEY HAVE NOT PAID OUT MY CLAIM'. After less then enrolling a year since enrolling my 2 year old dog they raised my rate. when she turned 3, I never had so much issues when dealing with another company.

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