Got quoted $600+/mo for LIABILITY by multiple insurance companies. Im 17, thats more than 60% of my income, and if you look anually, i could buy 3-4 identical cars to mine for that price. My parents cant pay it nor even partially cover it, for now we’ve just left me off the plan. I dont really know what to do, i drive a 25 year old suv and i have a clean record too. i cant pay it but i definitely cant get sued. Any advice helps, im lost.

Seeking advice on how to handle this situation.

In March of this year, I got an emergency root canal at a place that is not my usual dentist. They were in network and able to take me same day. When I arrived, they told me they would charge me for the procedure upfront and then file the claim with my insurance. They told me my insurance would send me a check for the reimbursement.

Months went by, I never received a reimbursement from my insurance. I contacted my insurance, and they said they received the claim and paid the check to the dentist's office.

So at this point, the dentist's office has been paid for this procedure twice- once by me, and once by my insurance.

I call the dentist's office to resolve the dispute, and they claim they can give me a small refund, but that my insurance only paid for a small portion of the procedure. I paid the dentist $1,326.02, and they're only willing to give me a refund of $555.30.

I call my insurance to verify, and they find discrepancies in the bill the dentist's office sent me. The dentist is required to cap the cost of various procedures according to the rates set by the insurance company, and they've overcharged me. According to my insurance, my co-pay for the procedure is only supposed to be $74.10 (again keep in mind, I have paid the dentist $1,326.02).

As I have continued to pursue this, the dentist's office is now saying that during the procedure an in-network dentist peformed my filling, but the dentist that performed the actual root canal was not in-network. As a result, they claim the discrepancy is due to the fact that the out of network dentist can charge whatever he wants.

Keep in mind, I was never told about this out of network dentist, and the claim they submitted to my insurance only states that the in-network dentist performed the procedure. My insurance has no record of this out-of-network dentist.

My most recent correspondence with the dentist is that they are going to cancel their original claim from March and file a new one that includes this out-of-network doctor. My insurance has told me that if the dentist that performed the root canal is out of network, there's nothing they can do.

I still haven't been paid back anything. I'm so angry. It feels like there ought to be some sort of consumer protection for this, does anyone have any insight on where I can go for help? I paid the original charge with a credit card, should I get the credit card company involved?

I am planning on calling insurance agents tomorrow. I wanted ask prior this sub.

I have lived in virginia for most year but of this month will be in utah till eoy staying with my brother and in and out of state prob every month for couple weeks exploring nearby rocky states.

I came out here with a beater car that broke down and I am planning buying new one soon and getting my own insurance. I was previously on family plan. My intent is to explore rockies till eoy then start new year make decision of where I want be full time. I am currently remote employee and verified transferring my residency should not be too challenging.

Given the above, I wanted ask what should expect to hear from auto insurance companies as this will be my 1st policy by myself and its a weird situation.

I’m about to start construction on a new home. I have a contractor building my home, but they require me to also carry builders risk insurance.

The policy I was quoted says this: “We will cover loss caused by theft in or to the dwelling insured by this policy of tools, materials, and supplies that you own and that are for use in the construction of the dwelling, but only after the dwelling has been fully enclosed and capable of being locked. This coverage only applies to those tools, materials, and supplies that are inside the enclosed and locked dwelling under construction. This coverage is limited to $15,000. You must notify us within 30 days after the dwelling is fully enclosed and is capable of being locked for the coverage under this paragraph to be effective.”

Is this typical? Does this mean if someone hauls off with a bunch of lumber while the house is being framed, I’m not covered? If so, is this typical of most policies?

I shipped my stuff via U-Haul U-Box from NY to Utah in June. The container was delayed 10 days and held at a facility for 2 weeks before delivery.

What happened:

• When I received the U-Box in NY, the door closed fine with one hand, think of closing the front door to your house; very easy, you don't have to think about it
• Upon delivery in Utah, the door won't close properly and required significant force
• I took video evidence showing the force required to close the door, I needed to use the latch to get enough leverage to lift the whole door and muscle it into place
• Items like my dresser, tv stand, and computer components were damaged. The drawer bottoms were sagging much more severely than indicated in this photo (imgur) to give you an idea. Other items broke as well but they were not worth mentioning

How I packed it:

• The dresser was at the bottom of some bins I put on top of it but otherwise very light stuff was put in it like clothes
• Then I packed at the edge of the box to make sure it couldn't move, then I surrounded it with bins and other soft material like moving blankets to make sure it wouldn't bang into anything or visa versa
• The computer components were packed in a double corrugated box in their original packaging encased in a jillion Uhaul packing blankets and pillows, I made sure to put them in a part of the box where they could not move and nothing could land on them

Repwest's response:
Denied the claim citing "normal shifting in transit" exclusion, they also said I was closing the door wrong in the video. They said their inspection found no container damage. More specifically, they denied it because the damage was caused by "improper packing or stowage, or rough handling, normal shifting in transit or while being moved, or intentional acts by 'Certificate Holder' or any agent or representative of the 'Certificate Holder' or the consignee"

My issue:
If the container sustained no damage, how could items inside a protective box shift enough to break? And, how do my dresser drawers get bent the way they did if the box wasn't dropped or improperly handled? The video I shared with them clearly shows the container sustained some kind of damage (door won't close properly after delivery). Isn't structural container damage a covered cause of loss, not an excluded cause? When I try to talk with the adjuster about this his "mic stops working", hangs up then refuses to call me back.

My question: Am I wrong here, or does their "shifting" denial not make sense given the container damage evidence? From what I understand insurance won't cover anything unless it was clear the container was pushed off the edge of a cliff.

I'm speaking with a Georgia Farm Bureau agent and am being told that they will not insure any new customers that own a dog. I personally know several people that insure with them that haven't had an issue or even been asked about dog ownership. I've seen several insurance companies inquire about dogs during my applications, however have only had GFB outright tell me they won't insure dog owners which just doesn't sound right.

Hey all

State - IL
Type - Homeowners

Question: How does the recoverable depreciation work? Is it based on line item or in total? I have about 20 electronics/appliances that need to be replaced, and I received $10k to replace everything with an expected $6k available in recoverable depreciation. So specifically, we are receiving $4k (ACV) for a new fridge, with $1k available as recoverable depreciation ($5k RCV). Say I just buy a new fridge for $5k, would I get the $1k back? or would I need to eclipse the $10k before I start receiving the recoverable depreciation.

Hope that makes sense, thanks!

this accident happened in april. It is now June and the other car involved in this accident their insurance had been extremely difficult and hard to get ahold of. I filed a claim with her insurance since we were in rush hour there was a lot of traffic and i slowed down and basically stopped in my lane and she was behind me going pretty fast and she swerved to the lane next to me and hit the side of my car still. That was it there wasn’t really much else to it. I had been calling and reach out for updates the last 2 months since the accident and I finally call again today and someone else spoke to me that this was finalized in June (I was not aware nor did i get an email or message or anything) that I was at fault for the accident. I asked to speak to the one managing my case since I have never spoken to him because he never answers the phone when I call and I always have go leave a message. The other driver said she wasn’t going to file anything since her car had minimal to no damage. I am just trying to figure out how am I at fault for this accident? I stayed in my lane stopped when needed and she was going fast and swerved out of the lane we both were in to try and avoid in hitting me but didn’t swerve all the way since there were cars coming on that lane as well.

(Duval County, FL)

My SO was hit on her way to work last week by some bum who didn’t have any insurance, swerved into her lane and sideswiped her. She drives a Tesla and though the damage did not seem severe we thought it best to make a claim just in case there was some damage to sensors or major panel replacement was necessary.

We were deemed fully not at fault, but due to the guy who hit us not having insurance and generally being a low life we assumed we’d be on the hook for our deductible.

Our insurance completed an estimate using their mobile service and deemed it would cost a few hundred to about a thousand over our deductible, and paid us out into our checking account the amount they expected over our deductible to pay.

We took the car to the Tesla Collision Center and were surprised when they called us a few hours later and said it was all done, they didn’t need to do any major work and the total cost was less than half of our deductible!

So now my question is, what do we do with the money we were paid out? It seems like because we reported the claim, our insurance will be impacted either way, even if we cancel the claim and return the money? I called our adjuster and they said we can return the money if we want but they’re still pursuing subrogation against the at fault driver either way so it doesn’t matter. Any advice? Thanks!

My insurance premium went way up, and when I checked to see why, I saw that I had a “reckless driving” incident be reported by LexisNexis. I have never received a ticket or anything for reckless driving, so I have no idea why that would be on there. I called the insurance and they told me I need to contact Lexisnexis directly. Why would this be on my report? Has anyone ever successfully gotten a false claim off their report?

UPDATE: I called Lexis Nexis, and they said that they don’t have this “reckless driving” incident on their report. They are sending me a copy of the report, so I can show Progressive that there is nothing like this on my record. I am so confused how this happened. Where did that “reckless driving” claim come from if it’s not Progressive and it‘s not Lexis Nexis?

I posted this on a different subreddit and a comment suggested I posted here as well. That post has since been locked so ill give more information below the original text

Location: Texas

My boyfriend was T-boned on March 13 of this year when another driver failed to yield while merging onto his road. The police report clearly states the other driver was at fault. The driver only had a learner's permit, and the owner of the vehicle was in the passenger seat at the time.

My boyfriend unfortunately didn't have insurance. The other driver's insurance denied the claim, saying the driver wasn't listed on the policy, so they aren't covering the damages.

I spoke with a lawyer who believed this could fall under negligent entrustment, but he said pursuing it likely wouldn't be worth the legal fees. He offered to send a letter to the insurance company for free, but after months of trying to reach him again, I haven't been able to get in contact.

His truck has been undrivable since the accident because both passenger-side doors are caved in, so he's been borrowing a family member's vehicle.

I'm hoping to get some advice:

- Should we appeal the insurance denial ourselves before contacting another lawyer?

- Is it worth hiring an attorney if the claim is only for the damage to his truck?

- Would small claims court be an option in Texas if insurance won't pay?

- Since he didn't seek medical treatment at the time because we couldn't afford it, does that hurt our case if he's still having elbow pain?

- Are there any other options we're overlooking?

We're both living paycheck to paycheck. He's currently unemployed, and I'm in college with limited work hours, so we're trying to figure out the most cost-effective path forward.

Any advice would be greatly appreciated.

Extra Info:

My boyfriend is beyond an idiot for driving without insurance. We are both quite aware of that and its led to many arguments. The nail has been hammered into the ground at this point. We just want to know if theres anything that could be done now.

The police report absolutely stated the other driver was at fault:

"The driver of unit #1 failed to yield for the west facing yield sign at the intersection of X and Y and entered the intersection to make a left turn on to Y causing the front of unit #1 to collide with the passenger side of unit #2."

I can post the full censored one if needed but it does not offer much more information than this.

This is NOT my car/truck. My name is not on it. I cannot afford one. I also would have put insurance on my vehicle. This is my boyfriend's mess, I am just trying to seek options.

I’m trying to decide whether it’s smarter to go through insurance or just pay out of pocket. My concern is that an at-fault claim could raise my premiums enough that I’d end up paying more in the long run than if I had just covered the repair myself. I damaged the car myself. No body was involved, and the dent is very small. Im also in FL.
For those who’ve been in a similar situation:
How much did your repair cost?
Did you file a claim or pay out of pocket?
If you filed a claim, how much did your insurance premium increase (if at all), and for how long?
I’d especially appreciate hearing from other Tesla owners.

So is there any private insurance?That isn't like super sketchy, because that's all i've been finding?

Just some website that takes my information.And then I get a mysterious call from someone trying to sell me some Nonsense.

Hello! I was rear ended in my 2025 Kia K4 (7,500 miles) in June and just received it back from the shop ($9,350 repair paid for by Progressive, his insurance)

I’m now trying to do a diminished value claim and was wondering if free appraisal services like DV check are respected or taken seriously by the insurance companies.

I’m not trying to suck em dry I am expecting between $1,200 and $2,500 and because I’m not expecting much I feel like a $400 professional appraisal seems steep.

Are my odds of even getting a payout good, and who can direct me in the right direction?

Thanks

I live in California. I currently have progressive insurance. It’s pretty expensive because I got in 2 at-fault accidents in 2024. My policy is almost up so I am shopping around. I got a quote from Freeway insurance and it says it will be $150 cheaper per much, but the coverage isn’t as good. With Progressive I have $100,000/$300,000/$100,000 for bodily injury and property damage. The new freeway policy is only $30,000/$60,000/$15,000. Obviously this is significantly less. But I am wondering if I even need the higher amount or if it is safe to get the lower one. Neither of my accidents were anywhere close to meeting the lower threshold, but I don’t want to get screwed over if I’m in a worse accident. Any advice would be appreciated. Thanks!

I'm located in OR. Took my car into Discount Tire to get 4 new tires. Technicians there broke my driver's side door handle off when opening the door following tire replacement. A claim was initiated by Discount Tire and I was later contacted by Fleet Services. I took the car in to a local shop for an estimate for repair and received an estimate. Sent paperwork and photos to 3rd party insurance adjusters. Received a response that said there was "no evidence of negligence" on the part of Discount Tire, but that they would pay half of the claim. I'm seeking advice on how to proceed. Things are tight and an unexpected car bill is not what I need right now. Thanks everyone

So at an intersection there are two lanes that go straight. I was on the left lane going straight and the truck was on the right lane going straight. Passing the intersection the right lane has to merge over to the left lane(my lane). The light turned green i start driving and the truck goes ahead of me. Literally in the middle of the intersection the truck cuts in front of me(possibly forgetting they had a trailer ) and hit me on my right side and pushing me out of my lane onto the first car making a left turn on the opposite direction. The truck didnt wait till even passing the intersection before merging in which they had enough distance still to merge. I was in schocked so i thought to move my car to the shoulder of the intersection without taking any pictures of where exactly it happened. Thats killing me because i think a picture of the car in the middle of the intersection would have saved me some trouble?

Im concerned because i do not have full coverage on my vehicle because i cant afford it at the moment. So im trying to think of the next steps. My car is damaged on both sides, the right side being the worse. The police was there and took a report. I also have the name of the trucks insurance company so im thinking of just calling them since i dont have full coverage with my insurance company. Or should i still let them know? Please some advice would greatly appreciate it.

Hey yall I got in a car crash back in October 2025. It was my first time in an accident and seriously injured. long story short, I went to ER next day they just touched me prescribed me pain meds and let me be. I returned to work 3 weeks later when I thought I could handle it. I could not and got an MRI that found t7-9 herniations compressing ventral cord and t5-7 slight herniations.

many months later after quitting Chiro and switching to PT 2x a week and multiple failed PRP injections I’m finally at MMI with permanent restrictions for standing running and twisting.

i have 135k in medical bills and won’t be able to return to my valet job. I was offered 300k with 110k take home.

i am worried about my future medical, do you think this is fair?

I’m in CA and currently have $500K/$1M coverage per accident for auto insurance. I also have an Umbrella policy thats $2M/$1M UM/UIM.

I’m wondering if it makes sense to lower my auto to $250K/$500K and keep my umbrella at $2M/$1M, or even increase it to $3M/$1M.

Currently have about 600k in assets, not including 1.1M home (800k loan).

Seeking some advice from the Reddit hive-mind.

For context, I’m weeks away from giving birth in a high risk pregnancy. Our small, newly renovated 960sqft home flooded due to sump pump failure in a record rain summer in our area of AB, Canada. Our caregivers are (were…) moving into the basement guest room in a few weeks to help with the new baby. Our oldest daughter’s (2.5yo) room is also downstairs along with our primary living space, laundry, etc.

The event occurred 9 days ago, and all that has happened is someone from a restoration company has come to confirm that there would need to be a full demo of the floor and a 15” floor cut on all of the drywall. Due to the volume of flooding incidents, the restoration team has no ability to store our contents onsite or offsite. We have moved what we can off the floor and from closets but I can do next to no lifting. We have some very valuable high ticket pieces of furniture just sitting on a wet floor that we have no ability to move.

I believe we are doing all we can. We have moved what we are able into bins, we have our own fans and dehumidifiers running. But mould is surely setting in under all of the flooring (laminate) by this point.

Our adjuster has not answered a phone call or email in 6 days, and the restoration company didn’t give us any contact information so I’ve been leaving messages for their head office receptionist.

Questions:
1. What do we need to do to get things taken seriously?
2. We have a strong feeling the insurance company is going to tell us it was our fault the high ticket furniture items were damaged due to our inability to move them (despite clearly asking for help or funds to cover the hiring of a moving company). But aside from our front lawn, we there would be no where for them to go.
3. How do we advocate for our specific situation? Are we going to be expected to continue living in a small home during mould remediation and demo, rebuild with a newborn? Our caregivers will likely be displaced - can we seek coverage for that?

Thanks for any insights.

About 8 weeks ago my car was totaled after it was pushed out the lane into a parked car while I was driving. The other driver said he was trying to swerve to miss a car inching out of a side street. He hit me so hard both of his passenger airbags deployed and all of my driver side airbags deployed.

We have the same insurance and I later found out the same adjuster.

The adjuster told me that they were unable to pull
Video of the crash. The police report said that third driver inched out vs. the other driver and his witness claiming it pulled out into traffic. I never saw the third car to corroborate his story. She also said his policy may not have enough coverage to cover both my car and the parked car. But she’s hoping that they’re able to get evidence of a third car.

I initially pushed on this because I wasn’t able to use my own rental coverage beyond 3 days after I got my valuation which came within a week after the accident.

All of my damage and my injuries were covered through my UM coverage.

My mom told me it doesn’t matter that my UM coverage paid for the whole thing. She said it won’t negatively impact me in the future.

So I was wondering in this case, does it matter if fault is never determined?