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.

Age: 37 State: Ohio In December of last year, I was recommended to get a colonoscopy due to family history. When I spoke with the specialist doctor, he said that "since you'll be under (anesthetics), we could also do an EGD." He then asked if I ever get heartburn, and I said sure but it was infrequent and I knew the triggers and how to take care of it, but if, like the colonoscopy, my insurance completely covered it and I wouldn't be paying, I'd be okay with that. He said sure, they could do that. Fast forward a month later and the hospital is charging me because they submitted the EGD as diagnostic. So the doctor ignored the condition under which I agreed to the procedure. I've been fighting this ever since then. The hospital investigated and since they don't keep audio with the cameras, and don't have call logs (the doctor's assistant called me a few days beforehand and said they convinced my insurance to cover the EGD, and I confirmed with her that I wouldn't have to pay for it), they're refusing to do anything about it. The bill is about $1,900. I've filed a complaint/appeal with my insurance, but that takes up to 60 days, and is still going through the process (I had called them the day before the procedure and confirmed it's "covered," and the CSR said yes, she sees that that's been approved). I e-mailed the state department of health, talked with the state hospital association (they have no legal authority and can't do anything), filed with the BBB, filed with the state attorney general, filed with the Centers for Medicare and Medicaid, sent my story to the local newspaper, left a Google review, and am waiting to hear back from the state insurance department (they can't do anything until my insurance appeal gets resolved). My last option is to sue them in small claims court. The lawyers in my area said they don't handle cases like mine. What umbrella term would this fall under? Misrepresentation / promissory estoppel? The only lawyer who agreed to a consultation said it's better to go after the insurance company, but I don't see this as their fault. I can also call the hospital and negotiate a lower repayment, but I'm angry I have to pay anything at all when a promise was made to me that I wouldn't owe anything. Is this something I just have to bite the bullet on? Edit: Thank you to the 20% of people who explained what the hospital staff should have explained to me, gave me options to pursue, and ideas on how to protect myself in the future. The rest of you, I hope you understand that the vast majority of people don't work in this industry, and blaming the victim of a convoluted and broken system is real shitty.

Here’s my situation: I’ve got 27k in debt across 3 credit cards, thanks at an accident last summer that insurance wouldn’t cover. I own my home outright. Zero mortgage, 8k/year in taxes. The obvious answer is to take out a home equity loan, but here’s the rub: I’m self-employed and have zero proof of income. I don’t draw a paycheck, and haven’t filed taxes since 2021 (reportable income has been less than the standard deduction, so I was advised I didn’t need to). The business sustains itself with profit, which is all reinvested in the company. Other than becoming the Gustavo Fring of the Southeast, does anyone have suggestions?

Location: Oklahoma I need some advice and around march I had a bad wreck and totaled my vehicle . I still owe money on my vehicle loan that I don’t have right now, and my insurance company is stating that I need to pay off the loan or give them my vehicle back. The body shop said I did roughly $9000 in damages. But I had 2 different mechanic friends say that they can fix it for $1000 to $2500 max. My plan was buy the vehicle back and get it fixed for around what my friends told me. My insurance company is telling me that I need to pay the loan off or give vehicle back to them before they do anything. I would really like to keep the vehicle and fix it. It seems shady that it would have to go to an impound. What do I do? I have the vehicle at my home right now and I don’t have the funds to pay to have it towed an hour away or an hour back.

My health insurance company won’t use the word “covered.” They only use the word “consider,” even when the category is “benefits and coverage.” One of their agents told me they can’t use the word “cover.” For example, in a recent communication they said, "Home health care must be approved in advance, (pre-authorization), and is limited to 90 visits per plan year. Once approved, services provided by an In-Network PPO provider will be considered at 100 percent of the allowable charge with no co-pay. “ This statement doesn’t make any sense. They said it has been “approved.” What is left to “consider?”

What happens if I don’t pay my cancellation fee from my last auto insurance company? I cancelled it before the end of the policy for the same coverage at a different company for more than 200 dollars less a month. I didn’t realize I would get a cancellation fee it’s not much but out of principal I don’t see why I have to pay this since I paid the whole month in full and cancelled before the end of the month if anything they should refund me for the days I didn’t use. they’ve been calling me and emailing and snail mailing me everyday for payment. What happens if I don’t pay the cancellation fee? All I’ve seen online is they can cancel your coverage but my coverage is with a total different company now so they can’t cancel that. Would it go on my credit report somehow?

I recently had a doctor’s visit wherein I was given Botox injections to aid with migraines. When looking up the cost ahead of time, I was told that with insurance the cost was typically $200, and without insurance it was about $600. I’ve just received the bill from my health insurance provider, and according to them, they covered approximately $2000 of the procedure which leaves me paying $750. That’s more than even the estimate WITHOUT insurance. I’m not sure how this became such a ludicrously expensive procedure compared to estimates online. Does anybody have experience with this sort of price gouging before? I’ve already called the hospital and they insist that the cost of the procedure is $2000, and then there were additional costs for “processing fees” due to my insurance. What is going on here? Let me know if there’s another subreddit I should be posing this question towards, too. Thanks!

So long story short was involved in minor car accident that I was not at fault for , this happened on 3/3/2025 and I didn’t get any information from the adjuster after having the car looked at until I decided to call to see what was going on and they somehow missed to file something so I didn’t hear back until 3/27/2025. The adjuster was adamant about me signing and cleaning my car out from the place that repaired it which I did a few days later , which it was considered a total loss and I received the estimate/ Salvage value and all of that again a few days later after having to ask for it. Now since then I cannot get a hold of anyone I’ve sent countless emails and phone calls and just today text messages to the Total Salavage department of Erie Insurance as I didn’t even agree to the repair costs or the amount they want to give back to me , I’m unsure what to do currently I just would like a status of where my vehicle is even at , I wanted to at least have one more shop to check it out and get a second opinion but now it just seems unfeasible at this point having to wait and wait and wait, so yeah first accident never dealt with anything like this so any help would be greatly appreciated!!

A few weeks ago, my driveway suddenly collapsed. After some initial inspection, it was determined that the cause was a failed 96” storm drainage pipe running underneath the driveway. This pipe is in an easement, common area, which means it’s the HOA’s responsibility—not mine as the homeowner. The CC&R’s clearly state that the Association is responsible for the maintenance, inspection, and repairs of the retention basin. It’s been 6 weeks since the incident and since then, I’ve been trying to get the HOA to take action. They had a contractor and inspector out, and they’ve submitted a claim to their insurance company. However, progress has been really slow. I haven’t received clear answers or timelines, and the damage continues slowly worsen by the day. To make things more complicated, I’m currently part of a construction defect lawsuit—along with other homeowners—against the original builder. The HOA and the law firm plan to include this drainage pipe failure in the existing lawsuit, since their initial review suggests it was likely caused by “defective construction”. The law firm says they’re now waiting for a temporary repair recommendation from a geotech engineer expert. Once they have it, they’ll send it to the HOA board for review and approval (or denial of the repair). In the meantime, I got a message from the HOA’s insurance company saying coverage is still under review, but that I have a “duty to mitigate damages and should contact MY property damage insurance (WHAT?!?!). That’s confusing and frustrating, since the drainage system that failed is owned and maintained by the HOA—not me. I’m doing my best to stay on top of everything and keep communication professional, but it’s exhausting, and the lack of urgency from all sides is really frustrating. Would love to hear your thoughts—am I being unreasonable here? What else should I consider? Location: ca

Location: Houston, Texas On July 15th 2024, I was involved in an accident with a driver. It was a two-way street and I was at the middle crossing section ready to yield to the street I need to go. I noticed a driver coming out from the plaza and looked like they are waiting to cross to the street where I was coming from. Before yielding, I made sure no incoming cars and safe to go; attempted the yield. As I turned, the car from the plaza crossed the street and a collision happened where my front hit their side. Police was called but no report was made as they said it was minor. The other driver insisted the police to give me a ticket but they didn’t and sent us home after we exchanged insurance. After that, I did all my obligations with my insurance company and they denied claims from the other driver as they said it was not my fault and I had the right to yield. Fast forward to now, I received a paper said I’m being sued for personal injury but in remember the police asked the driver questions to determine if the driver need medical attention and the driver said no. I contacted my old insurance right away to inform them about the sue paper. I don’t know what to do from here.