Hi, I got into accident and my car was total loss. It had a loan amount of $40k. Primary insurance paid market value $32k and pending was $8k, which suppose to be covered by GAP. I went to Gap, submitted all documents. The purchase agreement I had was under the name of A (lets say) Autos and Gap document had name of B autos. These two different dealerships had partnership at that time. Now Gap asked for original bill of sale and I provided it by reaching out to B. Now both documents Bill of Sale and Gap have same dealer name on it and they denied my claim saying ‘dealer name mismatch’. They denied a document and then denied the claim on basis of document that was never accepted by them. Please tell me what should I do. Its been 8-9 months I’m dealing with dealer at B autos and he is just saying same thing every time that he is talking to Gap sometime they respond sometime dont. Sometime this guy doesn’t answer my calls. Its costing me my mental heath, time and money without owning a car. Any leads appreciated 🙏

Waiting days on State Farm to get back to me! I got a shop estimate for around 5,630 for repairs. Wondering if it’s likely to be fixed or totaled ? 2015 Honda accord base model 144k miles. Any way I can get them to hurry up? My 6 year old is on dialysis 3 times a week 2 hours each way 😩 Photo in comments

The other day I was at a grocery store where I parked my car far away form the busy area purposefully with a Mustang. I was walking out, saw the accident happen live, and turns out the person messed up the front left side of my car. bumper also kinda came off. Some dent/paint damages. No tire damages. Nothing internally (hopefully). Still drivable. The car was parked, plenty of space in the park lane, and thankfully I was able to be there and watch it happen to stop the person, grab some pictures of their license plate, exchange contact, and even snap a picture of the person's insurance policy. Thinking back, I probably should have called the police and filed a police report, but immediately I filed an insurance claim with my insurance company, Progressive. Unfortunately, my policy doesn't have an uninsured motorist vehicle coverage for collision. On top, my deductible is pretty high. 2500. I had to learn a lot of these things and also like what a subrogation is, but that's basically what's happening right now because I sent my car to the shop and I tried getting in contact with the other party after I figured out i learned that their insurance policy has expired and seems like my agent as well tried contacting them with no response. I even tried contacting their policy with the expired information to see if there was anything active and it turns out there wasn't in their logs. And the insurance company basically just kind of hinted me to screw off after they realized that there was no other information available or logs on their end. So after speaking with my agent and I'm still waiting to get the final quote and stuff from the shop, I believe they're going to start a subrogation process. I have no idea if they have an active policy there or if they have something else. Now, with all this in mind, I'm not sure what to expect here. Unfortunately, I do have to put up the 2500 for the repairs. I think what's gonna happen is that they're gonna try to get my money back somehow, see if they have any active policies, and from what I've heard online is that this can take anywhere from a few weeks to months to maybe even years, I'm not sure. But from what I understand, is it right that there is no guarantee that I'll get my money back, especially if they were not insured? And if they were not insured, does that mean my insurance company is going to try to come after them In any way possible to get the money back? I'm just kind of concerned here because this is my first accident. it was kind of a BS since it wasn't my fault. Happened right in front of me and at the same time, I'm just not sure what to expect here.

Hello, Considering a agree value policy for a 2004 Lexus LS via Hagerty. While I was able to get a quote and even approval online with Hagerty, before paying I wanted to talk to them. The wait times were pretty long. Is it a bad idea to deal with them when there is no local agent? Now, those who have agreed value collector car policy with Hagerty, did you do it all online? Or did you go with a local agent if there are local agents for Hagerty? thanks.

Hey all I have to choose between some state medi-cal options for health insurance. The choices are community health, Molina healthcare and Blue shield healthcare. I've already dealt with Molina and I don't like them for my needs. So it's: Community Health vs. Blue shield. Context: My mother and I ( 55 F & 26 F) both suffer from certain health issues and will need specialists treatment, physical therapy and possibly even cardiology treatments (fingers crossed none of it is harmful). Some of these may even be genetic or hereditary, so appropriate testing and treatment are very important. We have either been diagnosed or have a probable diagnosis of some of these below 👇 Examples: •reynard's syndrome (a type of nerve condition) • Rheumatoid Arthritis • Wiggly Joints (causes wear of the joints and hyper mobility) Just to name a few. What I'm looking for is are there any miracle stories? Horror stories? Good experiences or bad? Which choice sounds the best for our needs of anyone can relate to us or has any experience looking for these things. TIA so much. P.S. I am still figuring out reddit so I may not be able to edit the post BUT I will reply in comments! Thank you!

My girl will be 8 in October. Premium went up last month but nothing too crazy yet. She has a very slight heart murmur that’s not affecting her (yet) and hip dysplasia, so I’m very concerned that if I switch those won’t be covered since they’re pre existing. But it sounds like Healthy Paws will be too expensive in a couple years anyway. Does anyone know of any insurance that does cover pre existing conditions?? (That’s probably a stupid question.) Should I switch now before something else comes up?? If so, what other insurances are good?

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

Hi Insurance! I had a roommate with a mental health condition who wrecked my apartment when I was gone. They had to be medically detained for mental health reasons. I filed a claim right after and included police report number in it with list of items and proof of ownership. They said they accepted the proof of ownership and claim but want me to get them the copy of the police report. Now I have to wait 10 business days. Doesnt GEICO have like backend ops team or something that does this kind of work? TLDR: GEICO wants me to get them the police report, which will take 3 weeks approximately (buffer included). Why cant they do this faster themselves?

I’d like to know what insurance claims have been requested on a home I’m closing on. It just seems smart to understand what has occurred with this very large purchase I’m making. I asked my insurance company for this and they said they aren’t able to see that, which I know has to be a lie? Isn’t that the primary thing they look at when underwriting? Is there any way I can get this information?

Sorry in advance. My minds a mess and I feel like venting to reddit might give me some insights and make me feel slightly better. I was in an accident recently with two cars. I was stopped at a stop sign and one car made a left turn in front of a car going like 90 mph straight. The straight lane car hit the turning car and bounced off it right into my driver side door. He smashed my car hard enough to push me several feet over a curb and through a chain link fence (maybe 15 feet?). I crawled out of my passenger side door as fast as I could because the car that hit me caught on fire quickly. His car was maybe 5 feet away from my door after the impact. The left turning car and straight car both went to the hospital by ambulance. I got picked up by my fiance and went right after. I've been talking with the at fault party insurance company and it's abundantly clear to both parties I was zero fault. They came to an agreement of 65(turning car) - 35 (straight car) for fault. My life is