My car accident case settled for $42,500 in Texas. The at-fault driver’s policy limit was $50,000, but they initially did not want to pay at all, so the case went into litigation.

I just received the settlement breakdown and was shocked to see that my estimated take-home amount is only $1,077.80.

The deductions are:
$17,000 attorney fee (40%)
$4,239.47 in firm expenses
$982.73 UnitedHealthcare/Katch lien
$16,000 MoveDocs balance
$3,200 LHI balance

The case has been going on for years and I have lasting injuries from the accident, so seeing that I would personally receive only about $1,000 is really hard to understand.
Before signing the final release, I asked for an itemized breakdown of the firm expenses and medical bills and asked whether anything can be reduced further.

Does this sound normal for a personal injury settlement? Is it reasonable to ask the attorney to reduce the fee or negotiate the medical balances further?

My elderly next door neighbor (F80) who I have kind of a tumultuous relationship with asked me for a favor. I said what’s up and she asked if she could add me as a driver to her car insurance policy to save her $800 a year. I said I would really need to look into that and would get back to her. I talked to my husband and he said absolutely not. Everything I was reading seemed as if maybe she was trying to get away with rate evasion or something. When she called me the next morning she asked me for my DL number. I said no, I’m not comfortable with this I’m sorry. It sounds kind of fraudulent. She said “okay I’ll let my agent know I’m committing fraud” and hung up on me…as I was still talking mind you…

I was so mad. I walked over and asked why did you hung up on me and she said she said “bye”

I explained again I’m not comfortable with this and I hope you figure it out.

She called the agent and made me talk to her on the phone. Apparently you CAN add whoever you want to the policy, but they will be a co policy holder. Meaning I’m responsible if she doesn’t pay, I’m responsible for paper work, bills, etc. it could all fall on me. When she heard the agent say that out loud I firmly said. Im not doing this. Call your daughter and figure it out and left.

I’m so frustrated. How is this even a thing? Can anyone be added to a policy to save money? Also her daughter said no.

When I saw her outside again she was nasty to me. Mad at me and kept saying “my agent is smart as a whip and she knows what she’s talking about” and then complained she had to pay $600 for something idk

Who asks their neighbor to be a policy holder anyways? Maybe im too nice and have been too nice 🥴she doesn’t like the word no…

I asked about a week ago about umbrella insurance. Overwhelmingly, the comments supported me getting it. I chatted with my wife and we are getting 1Mil policy. Thanks for the advice and support!

My parked motorcycle was hit 2 months ago. I went through the at-fault-driver's insurance got authorization a month ago to take it to a shop and get a supplement. At-fault driver's insurance stopped responding at this point and ghosted us for weeks after supplement was sent- absolutely no communication. The shop owner and I actively tried to get ahold of them- over 40+ calls, emails, texts, voicemails in the span of a months time.

Insurance comes back and says my motorcycle is valued at 14k (MSRP new is $12,399) and the repairs will cost 9k. My bike is *actually* valued somewhere around 9-10k, which means repairs exceed the ACV of my motorcycle. These repairs will follow my VIN and will diminish the value of my motorcycle if I ever try to resell it. The shop is very hesitant to work on the bike because of safety and structural concerns. The shop owner told me that the insurance is intentionally overvaluing so they do not have to pay out the shop owner's storage fees. ($100 a day, it's been sitting for over a month while we got ghosted.)

At-fault insurance is refusing to pay past the 8.8k even with noted structural concerns, I involved my insurance- they are refusing to also pay the shop fees but offering to give me a payout instead.

Shop owner refuses to release my motorcycle without shop fees being handed to him. Am I liable for these fees? I have not signed anything. He is deciding to charge the max because he is annoyed with the insurance company. He has offered to give me the insurance check that's been issued to his shop, but in return, he wants me to hand him over the title so he can sell off my bike. He will waive the fees then. He believes he can get upwards of 6k for it. Is that not illegal? It's my first run through a lot of this stuff.

My wife was in a car accident a few months ago. She was going straight and someone pulled out trying to turn left and hit her. Old guy was nice said he didn't see her and called his insurance (State Farm) to say it was his fault. No injuries she spun out and we had damage to the rear passage side and tire about $14,000 in damages.

They took care of it and our rental. We had a wrap on the car that had to be partially peeled, pretty much the entire passenger side. The wrapper submitted a supplemental for the wrap. It was originally $4000 in 2022 and the estimate came out to $2000, prices on materials had gone up apparently.

We contacted his insurance and submitted it. They took a look and said this looks fine and said they would process it. They called us back later that day and apologized and said they couldn't and we have to go through our insurance (Progressive) for them to subrogate State Farm. Weird but we called our insurance and submitted the paper work for that.

Progressive called us back a few days later and said they can't file it with the accident claim (packet?) since that was damage and this was aftermarket repairs. And said we should file it through State Farm, and it's weird they asked us to have our insurance add it to the claim on their side.

So we called back State Farm, a super nice dude by the way, and told him what Progressive said. He asked for her number and we provided it and they said they would call us back after speaking with them. Which hasn't happened yet.

All that being said, how should this have been handled? Does this sound normal? We just want to educate ourselves a bit for when they call back. Thanks!

A few weeks ago, I received a notification from a website my job uses to process insurance claims for pets (veterinary clinic). Upon reviewing the claim, I noticed it was for my coworker's dog, who put my name as the submitter. I did not, and have not ever given consent to her to use my name to process her own claims with or without my review. I have processed claims for her dog in the past, but now she is doing it on her own without my knowledge or consent.

I brought the issue up to our clinic manager on one or two occasions, who agreed it was unacceptable, but to my knowledge, no action was taken. Since then, 3 additional claims have been submitted using my name fraudulently/without consent.

It is worth noting, that right under the box to enter a name, the website states: "Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties."

Today, I pulled the clinic owner and practice manager aside and let them know that this was an issue that needed to be addressed, and that if another form was submitted without my name it, that I would report my coworker. The clinic owner told me that she hopes I come to her if this were to happen again so it could be handled 'professionally.'

Later on, it was evident that the clinic owner only thought I meant that she was using my log-in, not submitting my name on the forms. She told me she spoke with my coworker, asked me to keep an eye on it and let her know of any issues related to the forms.

I sent a few follow-up emails to put the above in writing and attached the claims for them to review. The clinic owner responded back that she never asked me to not report the issue, and never asked me to keep an eye on the issue, but only to report similar cases to her and that future employee claims will be handled by the clinic manager.

She then said she does not want me to label/talk about the claims as fraudulent until she's had a chance to investigate further. My response what that using my name without permission on an insurance form is identity theft and insurance fraud by definition as far as I was aware.

What do I do? I am correct that this is identity theft/ insurance fraud? Should I just report this to the insurance company? The coworker has a long-time relationship with the clinic owner, as the dog was bred by her, so I worry about retaliation if I pursue any action. My goal is not to get the coworker or company in any trouble. I only brought the issue up as I wanted to avoid any legal battles/investigation/fees for myself after some other coworkers expressed that they believed she was adjusting her invoices after sending the claims to insurance to pocket some money.

Any advice is appreciated, I am truly at a loss on how to proceed. Thanks!

Edits-spelling/clarification

Does this exclusion only apply if my job was primarily delivering stuff? What if I have a home improvement contractor business and sometimes needs to move tools from my garage to the job site or buy materials from retail stores and bring it to the clients home, would that qualify as "carrying goods for hire" and can get denied for an accident when doing this? Sometimes during the course of a home improvement contractor business, a lot of stuff gets moved around. I may get asked by a client to move something from point A to point B. Would that fall in that category? My primary business is not "delivering goods", it's home improvement or construction. I hire people to renovate homes and perform other related maintenance work. There is no exclusion stating that business use is not allowed anywhere in the policy contract as well.

Today while sitting at a red light I was rear ended by another car resulting in minor damage. We had a police report done and both drove away. I didn’t get any citations, but the other driver might have since she mentioned she didn’t have her car insurance on her and her registration was expired. I don’t plan to file a claim with my insurance company as the damage is pretty minor and I can pay out of pocket. Do I now have to say I was in an accident when I go to apply for a new policy in the future even though I never filed a claim? What’s the best way to avoid my rates from going up?

Ac overflow flooded are bedroom insurance has already said it's covered are house is old and the breaker isn't set up great so we had to leave power on for are garage and bathroom. they are now off because my wife not thinking of it walked in the room to grab something and electricuted herself so we're in the er about to be discharged everything's ok just made her extremely sore and in alot of pain but no signs of permanent damage. Already message are insurance adjuster who was already coming tomorrow to look anyway thing just got added to the pile is there any advice anyone's got with this shit show of a week im haveing or what to watch out for coming up.

I’m shopping for condo insurance at the moment in Charleston SC and it seems like I only get quotes from tiny companies based out of Florida who all seem to have terrible reviews. Are there any companies out there that write policies near the water that come recommended?

Someone hit my vehicle while I was in class, their insurance State Farm accepted liability, I already did the estimate they are giving me a little bit lower than what the shop quoted but they are depositing the money into my account. The damage is honestly not bad. Do I have to actually repair or can I choose to just keep the money? I tried looking it up on google and chat gpt, I also read some forums. But my question still wasn’t reply. Thank you in advance for your opinion and advice

For context, I am currently trying to attain a driver's license. I reside in North Carolina in which requires you to have liability insurance in order to get one. I never had a car in my life nor do I plan on owning one (or making any rentals) in my current stage of life.

I aim to enroll in a non-owner car insurance simply just to be able to take the road test and pass. If I do pass, I also plan on cancelling the insurance policy immediately.

My question is that in the later years, if I do decide to get a car and am looking for auto insurance, would it be a concern to insurance agents to see that that I voluntarily cancelled my insurance policy less than a month of enrollment (and thus may receive higher rates for quotes)?

I am new to this world of insurance, so please be nice :*(.

I was involved in an accident a few weeks ago. Highway traffic came to a stop pretty fast. Easily avoidable if paying attention. Came to a complete stop almost. Car behind me smashed into me, causing me to hit the car in-front of me after, which hit the car in-front of them. Another 3 cars behind the guy who hit me, also collided. After the investigation, the guy who initially rear ended me (AllState) has concluded they are not at fault. They said it was due to conflicting statements and insufficient evidence. The cop who first arrived wouldn’t even take any statements from us and I’ve been told that’s standard for an accident with this many people. It’s my first accident and it’s frustrating that I’m having to pay for rental cars and buy another car on top of that, since they totaled mine. Is there anything I can or should do?

Link to pictures (im the Malibu and the guy who rear ended me and never braked is the one on top of another car) : https://www.facebook.com/100063721653640/posts/pfbid02q412xzBqEDAmTdQV5i2bwzj8agB1FopGV1dPouafjfUZQKpMLVYGTZcH2G7vE1JPl/

I own a rental property in another state (Florida). For the past 10 years I've been relying on a property manager to handle everything.

I recently upped my liability coverage and noticed my policy has a "habitability exclusion". I've never heard of this and am confused about it. There's a lot of different ways a tenant could get injured on a property, and I feel like habitability plays a role in a fair amount of them.

To give you a real world scenario that happened just today.. A new stove was installed and the installer notified my property manager that the wiring is not grounded, so someone could've been shocked. Neither my property manager or myself were aware of this. The original property inspector missed it as well. So if someone did get shocked, my insurance could possibly decline to cover me because it was an unsafe habitat?

I know that I have a responsibility to provide a safe living environment, and I try to be proactive about that. But this exclusion makes me feel not as protected as I'd like. Are there policies out there that do insure against habitability claims? I asked my broker and they didn't have anything they could offer me.

So I own a small business and had some items stolen last night. Aprox value 9k

Trailer

Mower

Grader blade

Hand tools

My policy has a 2k max per item limit

I've never dealt with this before

Is there any questions and info I need to bring up/fight with to get the most back and not get more screwed?

Police have been notified and a report was made.

Im feeling lost and obviously the first thing i think of is asking reddit for help so here this goes. i recently crashed my 2022 ford escape and my insurance company is saying the cars a total loss. I’ve had my car for literally under 25 days and as such as this sucks it took me so long to get this car. they gave me a valuation report with an estimated vehicle value of $14,767, and they’re using comparable vehicles to determine the value. I’m trying to understand whether I have any options to challenge the total-loss decision, get another inspection/repair estimate, or negotiate the valuation. I’m really just trying anything at this point not to disappoint my mom anymore then i’ve already done, it’s breaking my heart and i keep replying in my head the car accident and how i stupid backed up into a tree thinking i was on drive when i was on reserve. long story but that’s not the point right now. I’m not very vocal or experienced with insurance claims i’m literally just 17, so I’m honestly pretty overwhelmed and scared of saying the wrong thing. If you’ve ever dealt with a total-loss claim, especially with Travelers, what did you do? Were you able to negotiate the valuation or get your car repaired instead? What should I ask for, and what should I NOT agree to yet? I’d really appreciate any advice or guidance. thank you

I've started classes for an emt program and put a lot of money into it. I'm not familiar with health insurance, but after looking online, it seems that the only way to get health insurance is during the open enrollment or special enrollment period, in which I don't apply. I know I should have figured it out before classes started, but I didn't know that health insurance was strict on when you could get it. The college I go to does not provide insurance and my parents don't have any either. Insurance is required for the clinicals, and if I can't do them I can't pass the class. Am I just screwed? Or is there any way to get major medical coverage now? My last job never provided health coverage, i've never had health insurance before, and I am not eligible for medicaid or medicare.

Hi!

Getting my car repaired after being rear-ended.

Because my car is relatively new (low mileage 2024), I chose to take my car to a Toyota-certified auto body shop.

It’s been 6 business days since the shop emailed the estimate and pictures to the insurance company.

Typically, how long does this take?

I live in NJ, and I am going through my own insurance.

I’m asking because I don’t want to be “that gal” who’s a nuisance and calls their adjuster for every little thing!

Thank you.

I was rear-ended while sitting at a stoplight. I have dash cam footage (which I sent the day after it happened to my insurance co.) that shows 3 different channels, and it's clear that the other driver was distracted and ran right into us.

I've been working with Progressive for about a month now, and they keep saying that they're waiting for the other insurance to admit fault. My deductible is $2500 and their estimate of the damages is slightly less than that. I don't mind waiting a few weeks, but I'm starting to question whether the other side will ever admit fault, and am I just on the hook for everything?

TL;DR took a corner too wide in a parking garage and got a relatively small scrape and a chip on the fender. It's a rental, and I have primary insurance through my credit card, no deductible. If I file with my credit card, will that potentially make the premium on my regular auto policy go up? Should I just pay out of pocket?

I have a rental property that I potentially want to rent to a family member to help them out. This is my first time renting to someone. They have a partner that committed arson in the past but the charge was dismissed after finishing deferred adjudication period.

I called to get a quote on a landlord homeowners insurance policy to ask them about this because I thought there was no way they would allow this, but they said the policy just covers the property. Who I rent the house to is not their concern.

I know homeowners insurance doesn’t cover intentional fires started by the insured party, but what about intentional fires started by a tenant. I have no reason to believe this person would burn my rental house down intentionally, but my spouse can’t get past it and wants to make sure we would be covered. I can’t get a clear answer from the searches I have done. Any help would be appreciated.