My car was parked and hit by an amazon delivery truck. They were delivering packages to either my apartment or one next door. He side swiped my car leaving the parking lot. Luckily a person saw and tried to flag him down and he sped off and drove off. The witness then reported it to my apartment management who got the video footage from their surveillance cameras. I have the photos of the amazon truck hitting my car, a clear view of his license plate, a witness, and a police report (although the policeman said he couldnt read the state on the plate but i figured that out later and gave it to my insurance so it might not be in the report). I called amazon and got two different reps who barely spoke english. I ended up calling my insurance (state farm) and they were great and said i should do a claim as typically this doesnt affect premiums. After i initiated the claim last week, yesterday i finally got a call back from amazon who said a rep from ARC, their dedicated claims (third party?) company, would reach out next week. I researched ARC and all the reviews are awful. Everyone says they lowball you and take months to settle. Should i just go through with the claim with state farm? I havent gotten any estimates yet. And my rep for state farm said this would likely not raise my rates. But im guessing the fix will be several thousand for a new fender and bumper and maybe wheel rim. I havent had a claim in 10 years and felt good about that, but just wanna make sure im not doing this wrong. Thanks.

I just financed a truck about 3 weeks ago and the dealer approved me with a loan through Westlake financial, I didn’t know much about them but after searching them, people have negative reviews about them. Well now I’m thinking that if I refinance my car loan, would it still count as 1 hard inquiry since I’m still under the “checking best rates” Time frame. Or should I just wait a couple months and then refinance later

I need advise/help on how to proceed. I live in Houston Texas and have lived in my house for about 11 years. We had some hail damage to our roof that happened last (2024) and have had at least 4 contractors come inspect our roof nd give us a quote. The cheapest quote so far is $9000. My home insurance is with All State. They sent adjuster to take a look at our and finally say the damage they see is not much and at most would cost $3000 to fix which is below our deductible. I am so upset. I have diligently paid for insurance for 11years without submitting a single claim and now I have a legitimate one they are giving us the run around. How do I proceed from here? There is absolutely no way to fix the damage for $3000. How can I make the insurance company pay for this? I am lost. Please any advise is appreciated.

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.

Amy guidance is appreciated. I was driving down a street when a car t-boned me, I spun around in oncoming traffic. I was able to move my car safely. The driver who hit me walks up and says it is his fault. I get my phone out and start recording, I asked him to say it again, he asked if I was recording, I said yes. He said that was fine but when I asked him to repeat what he said, he said it to let the insurance company handle it and laughed. I get taken the to ER just to be safe and I was released shortly. I was given a 2 day work off work note. I immediately reported it to my insurance company. They said they will reimburse me for my medical. The other driver admitted to his insurance that it was his fault so my insurance waived my deductible and will pay for my rental car for 30 days but my insurance will not pay for my lost wages. 2 days later I go to urgent care because now I'm feeling it and I get another doctors note to take me off work for a few more days. I'm very nervous to drive. Now, the other insurance company seems very eager to pay my lost wages, any physical therapy, all my medical, etc. I'm just skeptical they seem so willing to pay. What information should I give them access to and what should I not? What if they have me sign something, what should I look for or make sure I am not being hustled? Any guidance is appreciated. I'm new to this.

Ok, progressive is sending me a massive rate hike for next month, and i've had it. I need the literal cheapest option, for insurance prices , here in CA. Its insane. I cant pay 1000 a year for a crappy car, so i need the affordable answer. Hope someone has answers out there. hope.

Location: Georgia Two months ago, [I posted here](https://www.reddit.com/r/legaladvice/comments/1ikves7/frustrated_with_attorneys_lack_of_communication/) about my legal case, and I’m finally seeing some traction. However, as my attorney is preparing to file the statement of claim, I’m getting minimal explanation about his legal reasoning, and I’m concerned he may be rushing my case. Here’s where things stand: * My attorney initially filed for Magistrate Court, but after withdrawing that case in December (just days before the court date), he mentioned we should pursue Superior Court instead. * This past week, he drafted a second statement of claim. When I pressed him with questions about how the law applies to my case, his responses have been minimal, often just one or two sentences. * I believe my case, while complicated, does have grounds for pursuing punitive damages. However, the statement he drafted only outlines compensatory damages. * In my last email, I asked him to explain why punitive damages would not apply to my case. His response was simply, "I don't think it applies," with no further explanation. Additionally, he mentioned that Magistrate Court in Georgia is capped at $15,000, but earlier he had said he was planning to file in Superior Court. I’m assuming he plans to file next week. I’m planning to call ARAG Legal (through which I hired him) and consult with other attorneys for a second opinion. I’m feeling extremely frustrated and unsure **whether I should cut my losses or trust that his legal reasoning is sound** and proceed to move on with the case. **I would appreciate feedback on the strength of my claims, potential damages, and whether filing in Magistrate or Superior Court would be more appropriate for my case.** >**Case Information:** This case involves a breach of contract with elements of constructive eviction. >I was a tenant at an apartment complex from 2017 until December 2023. In March 2023, a new property management company took over the complex. In June 2023, I signed a new one-year lease under the new management. >Over the next eight months, I was improperly charged approximately $5,700 in various fees, including: >Late fees >Charges inconsistent with the lease terms >Early termination fees >I made several attempts to resolve the billing issues through documented communication (five emails), but the management did not correct the charges. >Due to ongoing safety concerns and unresolved billing issues, I chose to terminate my lease early in December 2023, sending certified letters to both the property and regional office. Unfortunately, the incorrect fees were eventually sent to collections, which negatively impacted my credit. >Safety Concerns / Constructive Eviction: Starting in June 2023, I reported multiple instances of loitering around my apartment, including one individual repeatedly sitting on my apartment steps and leaving trash. Despite repeated requests for increased security measures, no action was taken. >On October 31, 2023, a guest staying with me had their car stolen (police report filed). Residents living directly below me were implicated in the theft, and afterward, I experienced retaliatory behavior that made staying in the apartment unsafe. >

I want to rollover my Fidelity Traditional IRA to my current 401k plan at TRP. TRP requires that incoming rollovers be done via a letter & and check made out to and mailed to me, that I must then mail to TRP. When I called Fidelity to request the check and letter, the rep I spoke to was frankly, shocked, and highly discouraged doing rollover via check and recommended I ask TRP to do a direct rollover instead. (I did, and they said no.) I am so frustrated that TRP is so outdated, and to be honest, the Fidelity rep’s reaction has made me nervous that something will go wrong. She sounded like they never do it this way anymore, and had to transfer me several times to get to someone who could confirm that they could even write a check & letter according to the specifications from TRP, and said that the request was very unusual. These people handle rollovers every day- is TRP the only one that does it this way? I much prefer Fidelity, and the only reason I want to do this is to open up the option to make backdoor Roth contributions in the future. (The traditional IRA only exists because I rolled over my prior employer plan to it years ago before I knew what I was doing). That being said, I currently am not yet at the income limit for Roth IRA contributions, but I expect (hope) to be there in 5-10 years. I wanted to roll over now to get it over with & because I know not all plans allow an IRA to 401k (reverse) rollover, and I don’t know if I’ll be with the same company when it comes time for me to begin backdoor Roth. Am I overthinking it in either direction? Should I just suck it up and do the indirect rollover (and not sleep for weeks until I see the funds cleared)? Or am I thinking way too far ahead about backdoor Roth and should just leave things as they are? (Or just complain in solidarity with me that TRP is super annoying and out of date with their rollover process - has anyone else experienced this?) Edit: I have been informed in the comments that if the check is made out to “TRP FBO my name” it is considered a direct rollover, which is great.

Hi everyone, I have a 9 month old maltipoo. I suspect he has chronic GERD since he throws up yellow bile if he goes around 6-8 hours without a full meal (like overnight or when he is stubborn and wont eat his lunch). This is to say I want to take him to the vet asap. But before that I wanted to add dental coverage to his policy just in case this issue persists and it causes teeth problems later in his life and then they wont cover it because it was a “pre-existing condition.” Dental work on dogs is very expensive! My problem now is that I emailed asking how I can go about adding this to my policy since I couldn’t find how to do so on their app. This is the response I got. i don’t understand why I can’t ADD coverage. I want to pay MORE money. I wasn’t aware that when I bought the insurance for the year it was locking the policy for that entire year. Now I’m thinking of cancelling all together and renewing with the actual coverage that I wanted. Has anyone tried doing that? Would they let me? Or would they recognize my name and vets and ban me or something. Thank you for all the help TLDR; has anyone been able to cancel their Lemonade pet insurance and renew with the actual coverage/policy they wanted?

Long story short, I got a bcbs plan through the marketplace last month and I kept getting bills for $0.00 saying I needed to pay or my policy would be canceled. The first time I got a bill for that amount I went online and paid a penny. Then I got another bill for the same amount of $0.00. I figured it was nothing to worry about. Fast forward to today, I have a doctors appointment tomorrow, and I get hit with an email saying my policy with bcbs has been terminated due to non-payment. Non-payment of what? Nothing? Why?