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 looking for auto insurance but I keep getting ridiculous monthly quotes from $700 to $900. I’m a 2nd year college student, 20 years old had my license since I was 18, no accidents. I don’t have any car under my name, but i would be trying to get an old mercedes insured which is considered a “sports” car (family car they don’t use) for some reason. I am currently living with my parents, last time i called, progressive started charging my parents for me to NOT drive, to be an excluded driver. Which was crazy to me. I had to call and tell them I moved address. I tried getting a quote using a fake address saying I live with a friend but they started naming people in said address and asking for their DOBs (which i also read was fraudish?). I really don’t know what to do, i need to commute to school full time, but money is tight with classes, any advice ? Thanks !

Location: Seattle, Washington Hi everyone, I’m looking for advice or similar experiences. A few weeks ago, a driver crashed into our house. The impact broke our front door, left insulation exposed, and traumatized my family. My wife witnessed the crash, screamed in panic, and we have video with audio capturing her emotional reaction. Since then, she’s been unable to sleep, cries at loud noises, and constantly fears it could happen again. Our 8-month-old baby was also in the house. While some say “babies don’t remember,” there’s real research showing even infants can be affected by trauma — especially when their caregiver is distressed. We had to cancel a planned international trip in September and also dealt with harassment from a contractor who was supposed to do repairs, adding even more stress. We submitted: • The video showing my wife’s panic • Travel cancellation documents • Research on trauma in infants Despite all of this, Safeco (the driver’s insurer) is only offering $500 for emotional distress. They say we haven’t “proven” our case — even though the trauma is documented and undeniable., no real explanation. Has anyone dealt with Safeco before in a similar situation? Is $500 a typical offer for something like this? What would you consider a fair amount based on the circumstances? Thanks in advance — this situation has been overwhelming for our family, and any insight or shared experience would mean a lot. I used ChatGPT to explain this situation here.

I am located in the US and like the title states my PHI was shared from my companies absence manager (Sedgwick) to my employer. Essentially someone at Sedgwick forwarded all my documents needed for the leave to my employer and they retaliated against me by accusing me of being too sick to return to work even though my doctor cleared me. This went on for about 10 months before I was allowed to return. I spoke with a representative from Sedgwick on a recorded line and they stated it would be against the law and HIPAA to disclose my records with my employer beyond the fact I was approved for the leave. I am in a high earning job ($150,000) and lost out on nearly $120,000 worth of wages during this time. Would I be eligible to sue Sedgwick for the lost wages considering I was cleared to return to work and my documents were leaked to my employer resulting in retaliation and harassment?

Car Came In Contact With Pedestrian Hello All, I would just like some community input. My mother a few days ago was driving her car in Queens, NYC, she was going about 18mph, when a pedestrian backed into traffic and came in contact with her car and was taken away by Ambulance, No damage to my mother's car and she was not injured. NYPD came and took a report and my mother's insurance. Other party literally hired an "Ambulance chaser" the next day. In the NYPD report they state what the pedestrian said, "pedestrian pulled over her car at body shop to be looked at, she stated she opened the hood and a splash of water spewed out and startled her and she jumped backwards" (NYPD did not witness the accident and I am aware the police report does not determine fault in accidents just criminal liability, but the report is used as a tool). My mother didn't have a dash cam (lesson learned), my mother also says that someone saw a security camera footage of thr incident. I just wanna know how screwed is my family since my mom has her car and house to worry about and now this? *Note* My mother works for the USPS and was on the clock at the time, she just drives her car to a central location on her route and then walsk her route. I already knew State Farm would deny the claim cause my mother was on the clock. They advised the other party to file a tort claim with the USPS. *Note, the USPS is not as transparent with its employees or customers. So I have very little faith in how this process will be handled since my mother was working at the time. Thank you all for your input.

I am a 33y/o female in NYC and found out today that my enrollment into medical insurance through my employer didn’t save. i have not been covered for the last 3 months and im worried something could happen where i need it. I just looked at quotes for individual coverage and at my income level of $140k the lowest cost plan was $700 per month. I’m getting married in August and since that’s a qualifying life event i’m wondering if i have any options other than get legally married early or pay the $700. i’ve reached out to HR for other enrollment related things in the past and they wouldn’t budge in the slightest so don’t expect any workarounds with my companies insurance which is Anthem. Advice desperately needed :(

With all the posts regarding Healthy Paws rate increase I was worried about my renewal. I am happy to saw that I just received it and it has not increased. It is staying the same at the moment. However, I will wait to see because a couple years ago there was a discrepancy and in August they sent me a new notice increasing me by $20. Fingers crossed that does not happen again. I was expecting a huge increase living in NYC.

About 3 months ago, I got in a car crash where the car got fairly significant damage (I oversteered into a tree). I notified both the local police department and Hertz about the crash, got incident reports from both, and moved on with my merry life (after getting a replacement vehicle from Hertz). I got emailed a request to fill in a vehicle incident report from Hertz, which I submitted the day of receipt. Now here’s the thing: I didn’t have any insurance from Hertz, relying on secondary insurance from my credit card. I don’t own a car, so there’s no primary auto insurance to speak of. My credit card insurance provider requires claims to be submitted within 100 days of incident for them to consider them, and they require a statement of claim from the rental agency in order to submit claims. I’ve gotten crickets from Hertz in this respect the past two months…and I’m concerned that they won’t provide me with paperwork in time for me to appropriately file the claim. I was *considering* sending Hertz a polite but firm letter using certified mail asking them to provide me with a statement of claim in a timely manner in order for me to proceed with this claim given that I don’t want to wake up to a $20,000 bill from Hertz in half a year or something that my credit card insurance policy won’t cover. Is this a good idea? If not, anything else I should consider? I’d appreciate any advice! Jurisdiction: the car was rented in Virginia with a New York drop-off. The crash occurred in Virginia, and I’m a New York resident.

I feel stupid for falling for Northwestern Mutual’s whole life policy sales pitch when I was in my early 20’s when I clearly had no dependents or need to have such a policy. I finally came to my senses recently and cancelled the policy, took the relatively small cash value and ran. My question really is how is that ethical for NWM to be preying on recent college grads to bring in high commission policies they do not need? The number one sign I did the right thing in cancelling my policy was how angry my “advisor” got when I stood my ground on our call.

Located in Oregon, USA Short Term Disability insurance related to parental leave I took parental leave from work in 2024. My job/company is entirely remote, so my employer uses a benefits manager, JW, for payroll and insurance, and a third party administrator, Sparrow, specifically to manage short- or long-term leave, kind of like a concierge service for employees (because rules vary significantly from state to state). I signed the things that Sparrow told me to sign. I was supposed to be paid from the state, from private STD, and topped up by my employer. I didn’t have a STD policy of my own; I was told that my employer took out a STD policy on its employees. Payments were confusing, delayed, and as a new parent I was not paying attention. I didn’t tally things up until recently to do my taxes. I’m missing a 1099 from STD so I called Sparrow, who said go to STD, who said go to JW, who said there was no STD policy for me… but if there was it should be in my W2. Taxes were withheld from STD so I said regardless of how we got here, I need an accurate W2, which is in the works. And it looks like I was overpaid by the STD amount. Lo and behold, today I got a call from the STD company saying my STD claim was denied and submitted for overpayment. I kinda laughed… I’d just been signing paperwork and living my life. How the heck did they approve and pay a claim on a policy that does’t exist? And why did Sparrow/JW request that money? And why was I told it was my company’s policy? So I told the STD company that they can recoup the money from one of the benefits managers. This strikes me as an unenforceable request for repayment from me, but I don’t know what I don’t know and would appreciate any insight about how to navigate this. Thanks in advance.