I adopted a dog last March. I signed up with Spot for regular and preventative. Last year in May I got his teeth cleaned and they covered $150 of the cleaning, great. The new calendar year is here and I assumed like my health insurance the clock would start again at the beginning of the year. Nope. They go by the calendar year from when you started your plan so they denied my claim. Not a huge deal but if you are covered by Spot know that their preventative coverage is based on a year starting when you signed up for your policy.

Hey everyone, looking for some advice. Back on February 6th, I got into an accident when the roads were icy, and sleet was coming down. I was driving under the speed limit, but my car swerved and I stupidly slammed the breaks (didn’t know that was literally the no.1 no no) and ended up swerving into a different land and a truck ended up hitting me on the passenger back side. The car was totaled. Fast forward to now—I just got a notice from progressive saying I was found at fault. They included a form where I can contest it, but it costs $50 to do so. The form asks me to describe what happened, including the weather conditions. There was a decent gap between when I stopped swerving and when the truck hit me, so I feel like I might have somewhat of a case? But even then, is it even worth sending the $50, or is it just a formality with no real chance of overturning their decision? At the scene, the police told me the other guy had a dash cam, and I don’t have any other proof that I wouldn’t be at fault. Also, would this at-fault ruling impact my insurance premiums down the line? Appreciate any insight!

I recently got into a car accident where I was rear-ended. The only damages were to my bumper and trunk. Geico gave me $2,000 to start repairs and said the shop could request more money if needed. I decided to take my car to Mercedes so dealer parts would be used. Mercedes told me they’d handle everything, but for two weeks I heard nothing from them or Geico. Then Geico called and said my car would be a total loss because Mercedes’ estimate was $9,671, which they said was above the 75% threshold. Geico valued my 2017 Mercedes C300 at $12,636. I did my own evaluation, adding in features/options Geico left out and $5,200 worth of maintenance I’d just done a week before the accident. After I sent my report, Geico updated the value to $15,453. At that value, the repair cost is clearly under the 75% threshold. Instead of changing the decision, Geico switched it from a “construction loss” to a “financial loss” and still marked it as salvage. Meanwhile, Mercedes had already taken my car apart without telling me, which caused storage fees to pile up, around $6,000. I was told the fees would only be waived if I fixed my car with them, which basically left me with no choice. What made me upset is that Geico ended up paying Mercedes about $7,700 for the initial estimate and storage fees, instead of just approving the $9,671 to fix the car. When I finally got my car back, it was still disassembled, with the bumper and parts thrown inside. Mercedes didn’t even bother to put it back together after being paid thousands of dollars. Given my car’s updated value, the repair cost is way below the 75% threshold, so how is it still being considered a total loss? I even asked if I could take it to a different shop for another estimate (since Mercedes is more expensive), and was told no. This whole process feels really unfair, and I don’t understand why my car is being treated as a total loss when it shouldn’t be.

I purchased a brand-new 2023 Porsche Macan S for $82,000. After taxes, the total came to $86,000. I also purchased all available extended warranties and protection plans through Porsche, covering the engine, transmission, wheel/tire protection, paint/weather discoloration, etc., bringing the total investment to approximately $102,000. As of 2025, the car has only 14,000 miles, mostly from commuting to and from work. The vehicle was in excellent condition with no engine damage. Recently, I was involved in a collision accident, and the fault was determined to be entirely on the other party. Unfortunately, my insurance company has declared the car a total loss because the repair cost is around $40,000, and the vehicle would receive a salvage title, thereby reducing its market value significantly. My insurer has offered me $72,000 as the settlement. This situation leaves me $30,000 short of what I initially paid, even without factoring in the warranty and extras. 🟦 1. Can I still negotiate with the insurance company after they totaled my car? 🟦 2. Should I buy back the totaled car and fix it? 🟦 3. I had 5-year warranties — if the car is totaled after 2 years, will I get refunded for the remaining 3 years? Thank you to anyone who sees this message and replies back.

Hello everybody! Thank you so much for all the important information in advance. My personal car was at the shop and I needed to rent a car. I did — from Turo. I purchased a minimum coverage from Turo (my deductible was $3000). Was in traffic going around 15-20mph and the car in front of me slammed their brakes. In order for me to prevent the collision, I swirled to change the lane to the right, hitting their back right corner, and wiped my car through the curbside. They had a scratch and one side of rear bumper got unhooked. The car I was driving had the headlight destroyed, front bumper fully came off, and the driver‘s door stuck. The other party filed a claim with my car insurance. My car insurance does not cover rental. I’m so genuinely confused because my insurance is telling me to figure it all out as they have a balance of $4000 that I am required to pay. And I’m wondering if the other party was supposed to file the claim with Turo? Is my car insurance supposed to be invo

I am going through Tesla insurance for my Model Y. I had a few aftermarket parts and vinyl wrap that needs to be replaced as part of the repair. The quote/check for the repair does not include just three items and the shop is saying that they will submit a separate claim/payment for that item after everything else is repaired and done. Additionally, they are saying that after all of that, I need to go get a quote for the wrap and submit that separately on my own to see if Tesla will reimburse me for it. Anyone have any insight on this? At this point, it has taken me several months to even get a reply back from the shop, I almost want to just ask for a check and get it done elsewhere or figure it out on my own. The only issue is the check was sent to the shop as a two person check, so I almost feel like I will be stuck with this shop.

I was on the freeway heading out to go camping. I was going 0 mph. The van behind did not stop and smashed into me between 20-30 mph. I have a rear camera on my truck that showed him looking at his phone. I also recorded as soon as I got out of the car of him admiting to not stopping. My car insurance (GEICO) gave me the option to go through them or the person that hit me. The van was a Xerox van. Their insurance is called American Way. I called them the day of and gave the police report. They said they use a 3rd party called Sedgwick. I paid 30k for my truck less than a year ago. 10k of that was because of all the add ons. The other insurance company said I have to wait 5 days. The rear of the frame on my truck is facing the ground. I’m not sure about the rest of the frame. Most of the people I’ve talked to said they will probably total it. I’ve also retained an attorney in my area for bodily injury. I work from home but, can’t sit at my desk for more than an hour. I’ve been seeing a chiropractor today and retained the attorney today. They said it will likely take 6-9 months and would settle between 20-40k. This is only for medical. Does this seem normal? Will I be able to recoup the loss on my truck for the extra 10k ? It KBB blue books for around 20k but, I paid 30k. I also had my Yakima box on the back and paddleboard which were destroyed. My own insurance said even if I use them for the truck I will still have to use the other insurance to recover the loss on my things that were destroyed and if they repair my truck for finished value. After 20 years of driving I’d never had a fender bender. Should I just go ahead and use my own insurance? Sorry for the rant.

I recently had a claim denied. For context, I lived in VA and had State Farm insurance for several years. Shortly before I moved out of state, my wife lost her engagement ring. I assumed that was just a total loss and didn't think anything else of it until I was setting up insurance in my new state, and they recommended that I talk to my old agent to see if it was covered. I then called my old agent's office in VA, and they told me that I should file a claim because that loss should be covered. Less than 24 hours later I get a call from the claims department saying that my policy does not cover lost jewelry unless it was stolen. To my understanding, having a denied claim can hurt me by causing future premiums to go up or making it more likely for me to be rejected for coverage outright. Is there anything that I can do to fix this given that the only reason that I even filed a claim to begin with was that they told me to do it?

Some one hit my vehicle while it was parked in Tennessee. I got a police report showing they were at fault. When they contacted me to get it fixed I did not go with a body shop in their network. They said that was ok. Now the car is almost fixed and the body shop said the insurance company won't pay the amount the body shop said. It is a difference of $135 from a $1500 bill they already paid. What should I do? They said because I didn't use their network body shop it was not guaranteed to pay everything. I also have a rental from them. I called twice today to talk to the insurance supervisor and have not got a call back. It is state farm. Thanks for the advice.

My spouse has a pretty poor driving record, we filed two claims last year on our insurance (USSA) and we just filed one today all of which he is at fault for. Last insurance claim we had was on December and it was a total loss. He also has a speeding ticket that he had to go to court for along. Our insurance bill is already $620 per month for two cars. My driving record is spotless, no speeding tickets or any tickets as well. We live in VA. I have a 2019 ford fusion and my 6 month premium is 1584. He has a 2019 Nissan rogue and his 6 month premium is 2241. We’re also both in our early 20’s. Would be be possible for him to have his own car insurance and would it be cheaper for the both of us? Right now his car is under my insurance and he’s also an insured driver under me. I also just installed a dash cam to his car a month ago for his protection but it seems like it’s the other drivers on the road that needs protection from him. I’ve already pleaded and begged with him to drive safer and drive defensively.