I bought a used 2012 Volvo during the pandemic at the height of used car prices out of desperation. I needed a car. I have $12600 left on the loan. The car itself is now valued at $4000. It currently requires $15000+ in repairs to pass safety and emissions. I’ve had nothing but problems with it since purchase a couple of years ago. I have put about $1500 into the car so far in repairs. I suspect I was sold a lemon, one shop suspected a history of flood damage, another refused to comment if that was a possibility. I do have gap insurance, not sure if that can apply here. I cannot afford to fix the vehicle or pay out the loan and get a new vehicle. Between the original dealer, the lender, State Farm, auto repair shops, I feel pretty constantly let down by customer service. I also struggle to understand all of the policies and legalese. Is there anything I can do here? I’m so overwhelmed.

I was involved in a car accident in Michigan, and the at-fault driver’s insurance denied my mini-tort claim because they don’t have mini tort coverage. I still have out-of-pocket repair costs ($1,000), and I want to file a small court claims case against the at-fault driver. I have the **police report**, repair estimates, and insurance denial letter as evidence. **My questions** ❓ 1. **How do I file a small court claims lawsuit in Michigan?.** 2. **What court do I file in—where the accident happened or where the driver lives?.** 3. **How do I serve the at-fault driver properly?.** 4. **What happens if they ignore the lawsuit or refuse to pay after a judgment?.** 5. **Has anyone successfully won a mini-tort case in small claims court?.** Any advice or experience would be really helpful! Thank you!

This is a wild one and I'm just looking for some kind of guidance or advice. Try and make the story short, my wife got into a car accident this morning, the car was in her mothers name who passed away and there was a lien on it so we weren't able to get it in our name but the car was on the insurance. This morning, on her way to work, she turned at light and was hit by a 1990s Jeep. After giving insurance information, we went home and contacted our insurance company. Found out we didn't have insurance, when we did, or we thought we did, back in February 2025, I registered a new car with AAA and got insurance. The lady specifically told me I had insurance and said we were good until August, but all she did was sign us up for road side service. I have a receipt of when I went in as well. My car I added was also on the account, but everything else was missing. I filed a claim and they're going to do an investigation. I'm just feeling like I'm in a black hole right now and am super confused and worried. I really can't afford to be put in this situation currently and thought I was covered by insurance this entire time.

My Dr wants to enroll me in a weight loss support group program. I have a high deductible plan with UHC so I will essentially be paying out of pocket until I meet my annual deductible. Dr's office asked me to call my insurance to check if it's covered, and they told me the billing codes. UHC said it's covered, but the cost ranges from $30-250 (per 20 minute session) depending on what the provider charges. They will pay 90% after I meet my deductible. They say that they don't know how much a particular provider will charge. I asked my Dr what they would charge, and they said the price is set by the insurance company. Who is lying?

After spending Friday with my 5 yo shihpoo in the ER with newly diagnosed IVDD, I went to submit my $600 claim only to discover my Wellness policy that I have had for the past 5 years was “expired”. I contacted Nationwide today and was informed that the policy is “no longer carried in your area and you need to reapply”. Now my dog has pre-existing conditions. I don’t remember receiving any correspondence regarding this (my policy was on autopay every month and canceled on May 1). Anyone else in a similar boat? I know Nationwide has been discussed ad nauseum, so my apologies if this is redundant.

I live in Colorado and was in an accident where the other driver admitted fault. Their insurance company (Progressive) accepted full liability, paid for the repairs, and told me I could file a diminished value claim once repairs were completed. I filed the claim with an independent appraisal from a DV business that valued my loss at about $4,000. Now, Progressive is denying it, saying I’m “not eligible” because I’m keeping the vehicle and not selling or trading it right now. Their email says: > “As you are keeping the vehicle and not trading it in or selling it, there is no way to measure diminished value as you’ve not lost anything.” This is a 2024 Hyundai Kona with ~11,000 miles, accident-free before the crash. My understanding is that Colorado law allows diminished value claims in third‑party accidents regardless of whether you actually sell the vehicle—it’s based on the market value difference before vs. after the accident. Do they actually have legal grounds to deny me just because I’m keeping the car? Has anyone in Colorado fought and won this?

I had previously had Geico insurance. I thought I was paying for collision coverage until I backed into a pole and made a claim and they said otherwise. So I proceeded to drop them and get Progressive. It's been, let's say a year since then and I haven't fixed the damage to my truck because I figured I couldn't make a claim to fix damages my vehicle had BEFORE I started my policy. Anyway two days ago my sister backed into a pole and it seemingly did no damage, then when I came out of work today I saw that the plastic cover of my bumper had completely fallen off. Can I make a claim to have my bumper fixed? I'm sorry if this is a stupid question or if I've done LITERALLY everything wrong.

Looking for updated info — my pet’s annual dental cleaning usually runs **$900–$1,200** (under anesthesia, with X-rays). **Nationwide’s wellness plan used to reimburse for it**, but I just found out that plan is **being discontinued** or no longer offers the same benefit. Most "wellness add-ons" I’ve looked at (like Figo, Spot, etc.) only reimburse **$75 or less** for dental cleanings, which barely makes a dent in the total cost. Has anyone found **a provider that actually covers full dental cleanings** under wellness or medical plans? Either as part of a **preventive package** or through **major dental** coverage?

About an year ago, I was rear ended at a stop sign by a Truck. I did not call the police as I was in a shock and didn't think through it. However, the person agreed it's his fault and shared with me his insurance details and I too the photos. The next day when the rental company looked at the damages they asked for the insurance details and only then I realised the other party's insurance was expired. The rental company used my insurance for the claims. When I called the party that hit me he said he would pay out of his pocket for the expenses but ghosted me since then. I was very new to the US then and hence did not know the legal options I had. I just saw a post today that someone got sued after an year. Can I still sue them after one year with only images of the incident and the person's expired insurance? Location: Miami, Florida My Insurance: State Farm (in Atlanta)

Their advertising is downright misleading. Your premium does not go up as your dog ages. Sure, it does not, they find other mumbo jumbo to achieve the same thing. My premium has gone up 40% over the first two years (our boy was signed up as soon as we brought him home). Before deciding on Trupanion I did fairly extensive modeling based on real time quotes from them and their competitors. Trupanion came marginally ahead IN THE LONG TERM despite having substantially higher upfront premiums. The price increases I have experienced make the previous analysis null and void. I am looking for an alternative. Could people. With long term experience (ideally senior dogs) comment on possible alternatives? Thanks