Day before I turned 31 this year I got into my first fender bender, I hit their rear end told at fault. Not fighting that, the problem is insurance saw the problems with my car and told me its repairable. Both my fuse boxes were obviously damaged and they didn't write them down, I wait 2 weeks to hear back and I am suddenly told Honda doesn't sell the fuse boxes separate and because of how its placed repairs and labor will exceed the car value. Not to mention I'm only half done paying it off, insurance said they can't retract or adapt their claim because it would be fraud.... I took pictures of my car post accident and you could see those boxes were damaged. Insurance initially payed me, but even though I gave the money to the garage.. now that its totaled insurance gets their money back and everything is now 100% out of my pocket. In addition to calling Total loss tomorrow is there anything I can do? I only had my car for 2 years and unfortunately leased at the end of the sky high c

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

He's fine, but the vehicle is totaled. His fault. He's pushing 81, and his memory is starting to go, so neither of us realized his insurance wasn't up to date. It expired at the end of June, and he usually does the 6 month payment thing. We dont know if it got lost in the mail or what, but he's currently uninsured. He's with Allstate and has been with them for decades, but they simply referred him to another insurance company when they called him back to explain his account was no longer active. Despite him funneling thousands and thousands to them through the decades hes been with them, one missed payment seems to be the end all be all. I'm going to call them personally tomorrow to try and figure this out, but I was wondering if you guys had any advice for me?

My car was hit from the side by an SUV. After getting advice from this subReddit, I opted to allow USAA to use a Toyota collision shop in their STAR network to do an inspection vs. going with a non-STAR collision center/appraiser (I still can pay for this out of pocket if needed). The consensus of this subreddit was that USAA collision centers are decent and wouldn't try to skip out on repairs just to keep estimate under the 70% threshold for totaling a vehicle (that was my concern as the car was hit near the hybrid traction battery and I believe it should be replaced) The STAR-network shop contacted me individually and is demanding me to sign full work authorization forms and power of attorney before doing an inspection/estimate. In my state, I am legally entitled to an itemized estimate before authorizing any repair work. I'm okay authorizing an initial inspection but I do not want to give full repair authorization AND assign them power of attorney before reviewing and approving

My son damaged his car leaving a parking lot. He didn’t tell us for a few weeks (he parks with the passenger side near the garage wall so we never see that side) and can’t remember the address because he was lost in a scary part of town. He definitely drove over something because the frame behind the front passenger wheel well is bent. Geico wants the address in case there is property damage. I’m pretty sure it was an abandoned lot and nobody cares about a piece of cement. I don’t even know what to say to them. I’ve explained the situation but they keep wanting an address. It’s a 2 year old financed car that we bought brand new and have been with Geico for 10 years and have maybe 2 claims. This is my son’s first claim and he’s got no traffic violations or accidents but this. He’s 25.

Our dog insurance is $450 a month for a HCOL area in California. We use Fetch. It covers two small dogs, a 13 year old and a 6 year old. We have had pet insurance for 5 years, and not once have we needed to use it. Instead, it's just paying an exorbitant amount for a potential issue that has never appeared. It has become completely unaffordable for our family. As a result, we are strongly considering going off pet-insurance for the foreseeable future. My family members and I have different ideas of how to handle future medical issues, however. I would do anything for our dogs and believe prices are reasonable to save my dogs' life. But my parents (note: I am a college student) believe it's too great an expense, and if a major condition arises that costs over 10k, the best option would be to put the dog down. Do you know of any cheaper options? Or other ways we can ensure medical treatment?

Hello! First time posting in this sub, I think this type of post is allowed. Long story short, I purchased an auto policy through Geico in mid-July for a car I am being gifted. I realized the next day that I wasn't going to be able to take ownership for 3-4 weeks and ended up calling to cancel the policy. I called back today to restart the policy and they are quoting me $400+ more for exactly the same policy. Did I completely screw myself here? I told the agent I was going to shop around, which I am happy to do, but... what a pain. Is there a strategy I can use to have Geico honor the original quote? Thank you in advance!!

Hi all. I'm confused and a little suspicious. Long story short, had a tree fall and cause damage last year. Work is done, and the invoice came to roughly $65k (Siding + roof for garage and house). Insurance gave me roughly $62k, however I opted for a higher quality siding than the basic, so $3k was coming out of my pocket. That invoice is paid in full. For the main structure (house): RCV is 49k ACV is 42k So there's about 7k Dwelling Recoverable Depreciation that is available. However, my insurance rep is making that 7k as a payment to a sub-contractor that I've never heard of and in the email stated that the 7k is going to my contractor. Why are they getting 7k more when I've already paid the invoice? I'll push back on the payment but I want to go in with facts but I can't seem to wrap my head around it. I've asked the question to my insurance rep 4 days ago but she hasn't responded. Can anyone ELI5 what exactly is going on or am I getting bamboozled? Thanks!

Hey guys, im soon to be getting a golden retriever puppy and i need some help with pet insurance. Ive narrowed it down to fetch insurance because theyre the most affordable without the worst reviews. I have seen some chatter about them denying claims but since im registering my pup at less than 8 weeks i figure that they cant deny due too some bs like "previous conditions". Am i naive for thinking that? I was quoted $120 a month for an annual payout of $15000, annual deductable of $300, and reimbursement rate of 90%. Let me know if you think that i should adjust these values as i picked the highest cost options across the board. Still $40 dollars cheaper than trupanion lol. I am also considering the wellness plans but im not too sure of the value. Could you guys weigh in on if i'll actually need all of these things done every year and if i'll save money with it? The annual "savings" are $735 for all that stuff listed but the annual cost of the plan is $563.52, so i'll really only be saving like $170 bucks for the most expensive plan if i understand correctly. There seems to be alot of bloat but ive never had a dog before so who knows. I live in Canada if that matters, thanks guys.