My car is a **1989 Honda Civic RT4WD Standard** — these are practically unheard of now. I know insurance companies won’t pay for uninsured upgrades, but I recently spent **over $8k** on paint and body work to restore it to factory condition. The paint, trim, wheels, and tires are perfect. Unfortunately, we had a hailstorm while I wasn’t home, and the car got **hammered**. The insurance company is using comps from the much less desirable **2WD automatic** version, which sells for around $5k. I can’t even find a standard RT4WD for sale, but the closest condition autos I can find go for close to **$10k**. Similar Japanese “Beagle” versions are also around $10k. The insurance company says they can only use **dealership** listings (not private party), and since neither I nor the adjuster can find a dealer listing for my model, they’ve offered me **$4k**. I know it’s worth much more. I’m looking to get a **3rd-party valuation** but don’t know where to start. Has anyone here actually used a company for this and can share their experience? I can Google, but I’d prefer first-hand recommendations. Once this is resolved, I plan to move the car to **Hagerty** since they seem to handle collector/older car valuations much better.

So I moved to the US from Europe over a year ago and have been using progressive since they insure people without a state license (I live in MA). I paid 1200 dollars every 6 months until just now when I spoke to my friend who also moved here at the same time and he paid way less on a much newer muscle car. I call progressive and they do a reqoute and my policy gets cut in half and I now pay 640 every 6 months. I feel like they entered some wrong information the first time around - do I have any recourse for them to pay me back if they misentered information the first time around? Of course I accepted the payment and condition so maybe there's just nothing to do. My friend who I compared policies with has the exact same coverage and started off at the much lower rate of \~600$.

(TL;DR at the bottom) In mid-December 2024, my parked car was involved in a hit-and-run while I was at home. Surveillance footage revealed a white Mercedes struck my vehicle and fled. Unable to identify the driver immediately, I reported the incident to the police and my insurance company. By early January, my car was declared totaled. As a tobacco inspector, my job required a personal vehicle for site visits. Without transportation, I was removed from the schedule and subsequently terminated. Despite actively seeking employment since January, I’ve been unable to secure a new position.  In March, I noticed the same white Mercedes parked nearby. After running the VIN, my insurance confirmed it belonged to a neighbor. She had concealed her vehicle for over two months following the incident. Upon presenting this evidence, her insurance company accepted liability, acknowledging her prior claim in December for hitting a parked car. However, her policy only covers the Pennsylvania state minimum of $5,000 for property damage, which was paid to my insurer. After settling my car loan, I received $3,000 from my insurance, insufficient to replace the vehicle. Without steady income, securing auto financing has been challenging. I purchased my 2018 Mazda6 Grand Touring Reserve in April 2023. The total finance amount was $21,116 , I put down $4,500 and made regular monthly payments until the car was totaled in December 2024. At the time of the accident, it was valued at $16,500. After the remaining loan balance and deductible were paid, I received only about $3,300 ,far below what I had put into the car and not enough to replace it To date, my neighbor has not acknowledged the incident or attempted to discuss it with me. Without a vehicle, my ability to work has been severely impacted, and relying on public transportation and rideshares has become financially burdensome during unemployment. I’ve now missed approximately 12 weeks of full-time wages as a direct result. I reside in Philadelphia, PA. ___________ My questions: • Given the circumstances, what additional insurance coverages could have better protected me in this situation? • Are there specific endorsements or policy options that can safeguard against underinsured drivers causing significant losses? • What steps should I take when the at-fault party’s insurance coverage is insufficient to cover damages? Any guidance or insights from those familiar with insurance claims and coverage options would be greatly appreciated. __________ TL;DR: Neighbor’s hit-and-run totaled my car, leading to job loss. Her insurance covered only $5,000, leaving me unable to replace the vehicle or secure new employment. Seeking advice on insurance coverages that could have mitigated this loss and steps to take when the at-fault party’s coverage is inadequate.

In April 2024, I had a couple of procedures done, such as fillings, cleanings, root canals, and crowns. I was pregnant at the time, so I had to delay the crowning, but I had the imprints done beforehand. At my consultation appointment in April, my dentist reviewed the treatment plan and the costs. I knew that I would have to pay out of pocket for some of these procedures. When I went in for my first filling and root canal appointment, the office told me that my dental insurance didn't cover some of the costs. I knew this and was okay with whatever the updated pricing was. Paid $606 for the first appointment, and went on with my life. At the second appointment in May, I went in for the crown imprint, and at this appointment, I paid off the remainder of the treatment plan cost before I even got the services done (with the updated pricing that my EOB said wasn't covered). I paid $552 out of pocket. Several months later, in April of 2025, I kept on getting these calls with no sensible voice messages saying "this is a debt collector". No effort was made by my dentist over the year to let me know of this balance. I checked my dental insurance claims, and the claim was rejected for code D3910, which I knew was already rejected when I went in for my last appointment. Now I am confused why my dentist is saying that the insurance rejected it when I already paid off my balance. What should I do, and am I liable for the debt? Should I speak to the debt collector or the dental office? This was in California, and the insurance is with United Concordia. Not sure if this matters.

Two weeks ago, I got rear-ended by a commercial truck owned by a logistics company, X. I originally filed the claim through their insurance company, Y (as listed on the driver information exchange). A few days later, insurance company Y told me that company X would cover the accident and gave me a claim number with X. I can only get in touch with X by email (which has very slow correspondence), and their phone line is always busy. After I sent them all the information they requested, the only response I got was that they are "reviewing" the case and will discuss it after that—without mentioning how long it will take. Since they are not an insurance company, I assume they don’t handle claims in the standard way. Now it's been more than two weeks, and I still have no idea how they plan to address this. Are there any legal requirements for how soon they need to respond and resolve the issue? (I do not want to go through my own insurance and pay out of pocket.) What actions can I take to push them to make progress on this? Any suggestions or advice would be greatly appreciated!!!!

I bought a car rental through Kayak/Priceline in November and was offered rental insurance through RentalCover. Purchased the rental insurance and got a policy. During the trip I caused some damage to the bumper and it had to be replaced so I started a claim with RentalCover, but it's been sitting at the status "under assessment" for over two months. The rental company has a claim specialist asking me for an update every week. I've tried contacting RentalCover multiple times through email, chat, and the contact form but I've never heard back for an update on what's going on. They have no phone number available to speak with a person. I'm not sure what to do. I'm afraid the rental company will demand payment, but the rental insurance is completely unresponsive. Do I just keep waiting? Get a lawyer? Try to claim with my normal insurance? Edit: the accident occured in Colorado.

In 2022 I made a small insurance claim for water damage, $2k, with Progressive. Since then, every time I get quotes for homeowners insurance I get denied, or have to accept high rates, because the Lexxis Nexxus database shows I made 3 claims. A year ago I disputed these several times, and got a letter from Progressive that confirms I only made 1 claim. When I talk to LN, they tell me they've removed the claims, but over a year later I'm still getting denied by insurance quotes and told they are still showing up by the insurance companies. Is there an agency like the CFPB I can submit a complaint to about Lexxus? Or do I need to get a lawyer letter involved? I already have to deal with living in a hurricane prone area with high rates and these higher rates are crippling. LOCATION: TEXAS.

I just talked with Pets Best as I have a 30% increase in my premium for this next year (3 year old dog). They said they have changed underwriters and if I get a rewrite the new underwriter premiums are about the same price I have been paying (so 30% lower then the previous underwriter). I know all of the waiting periods would restart and no preexisting conditions (the only condition she has had they already denied saying it was preexisting (I had to switch after Many Pets stopped covering in my State)). Has anyone done this rewrite? Any one know if the new underwriter is better or worse vs the old?

I looked online for a quote for pet insurance and the people at RSPCA have called twice already trying to get me as a customer and when I say no because I wanna look around at other options… they ask if I wanna sign up until I change my mind and then cancel So annoying Does this happen to anyone else ?

My stepdad passed away mid march, he told me years ago if anything ever happened to him that he had life insurance. The past week ive been trying to figure out his policy number to get more information regarding all of this. I still don’t know his policy # but now have a claim number and they have emailed a document that I need to sign. In order to access those documents I need a “code” which is the date of birth/date of death, unfortunately the first agent got the date of death wrong so I got locked out, they had to resend it again. Today I finally receive the email again, I STILL cannot access it because they keep putting in the wrong date.