This is a bit lengthy, but I would genuinely appreciate help figuring out this (apparently) complex and unusual situation. My car was parked in a spot next to my house when it was damaged by a van. I happen to have video showing the entire thing, and there is no question that the door of the other vehicle caused the damage - police and insurance company have made that determination. Seems simple enough BUT my insurance company is suddenly all flippy floppy over who is at fault. The van, which was disabled, was unloaded from a tow truck. While the owner of the van pushed the vehicle, the tow truck driver steered the van backwards from the bed of the truck into the parking spot next to mine. While he is steering and looking over his shoulder, the van’s driver’s door is open and grinds into the rear side of my car. Both of them pause when the door hits my car, looking at each other like “whoops… let’s pretend that didn’t happen”. Neither of them notice my camera, and they do no leave a note or contact the police. That is super rude and illegal, but not likely relevant to this post. So, Henrico (VA) Police Officer files a report and says the tow truck driver is at fault. I assumed the owner of the van would be responsible, but two friends of mine who are attorneys also believe the tow company is responsible. When I contacted the towing company, they sent someone out who said they weren’t admitting fault, but if the company’s owner reviewed the video and saw that what I told them is indeed what happened, they would prefer to pay out of pocket rather than go through insurance. Not once did they say anything about it possibly being the van owner’s responsibility. My initial communication with my insurance company supported what everyone else said: the towing company is responsible. Their next step was to contact them and get their insurance information. After not hearing back from them for several weeks, I called this afternoon and asked for an update. The first person I spoke with said it looked like my adjuster had only done one thing since my claim was filed: type a note stating the towing company uses the same auto insurance company that I do. She looked through all of the evidence I’d submitted and, after viewing the video, she said she didn’t understand why this had not already been resolved. She then gave me the phone number for my adjuster’s manager. I get ahold of the manager and I asked her to please let me know what’s going on, and if there was at least a new claim against the towing company in motion. She said “I think this needs to go through the van owner’s insurance. The tow company’s insurance isn’t going to pay this claim”. She said she’ll call me when she’s had time to thoroughly review the claim. I would love thoughts from anyone who has worked in auto insurance, has had a similar experience, is a professional or recreational attorney, loves deciphering motor and insurance laws, or is just hella good at navigating these issues. *I’m in Virginia*

Hello, I have lemonade insurance for all 5 of my cats. Today I got an email that my claim for my cat was only partially approved (the exam and urinalysis) but not the X-ray. The X-ray was to also check the bladder for uti, and some crystallization was found. They also X-rayed his lungs and found out he has mild asthma. They did not approve the X-ray (and will not approve future asthma treatments) as they’re saying it was a pre existing condition, but it is most definitely not. He went in for sickness twice and both times experienced wheezing because of the sickness and with X-rays was not diagnosed with asthma those times, he also has a nasal anomaly/polyp that causes a funny sounding breathing from his nose, again not asthma but this has been noted in his notes. Has anyone had this happened and successfully appeal? My vet is great and would likely write medical notes or a letter or whatever to help me get his asthma treatment covered.

My policy just renewed this month, my overall policy went from $2300 to over $2800. I had an accident back in 2023, very minor rear end tap. (I was at fault) the other party didn’t bring litigation against me until 2 months before the statute of limitations went up this year in april. My insurance company did pay out the settlement, and I was told I did not have a surcharge from this incident, and that if my insurance was to go up from this accident it would have happened in 2023 when the accident occurred. My insurance company (USAA) informed me of a state-wide increase being put into effect and that this increase on this renewal was only a portion of the overall increase. I’m just very confused, and unsure how it would increase that much if it wasn’t from this prior accident, and my driving record outside of it is totally clean. Been with this ins company for 6 years now, and I don’t want to switch as i’ve enjoyed it thus far but feel like I have to now that i’m being priced out of it. anyone in massachusetts have any insights?

I went to an out of network Health specialist. I had 2 visits for around $200 per visit paid via credit card. They told me to send my invoice/receipt to my insurance company and they would reimburse me. I submitted 2 claims to United Healthcare and they were approved as out of network which went towards that deductible. I just assumed that after that approval, a check from UHC would be sent in the mail to me. It wasn’t. I chatted with UHC customer service today and they said to contact the health specialist business to resubmit the claim as in network. Talked to the specialist business representative and they don’t deal with insurance AT ALL. They are out of network for everyone and leave it to the patient/customer to handle insurance reimbursements if applicable. I’m at a loss for what to do now. I know I have to get it sorted with UHC but idk what to say or do at this point. How do I get reimbursed? Was I not supposed to submit a claim? Should I have gone through a different process and submitted something else? I’ve never had to deal with this kind of situation before and I cannot afford to not be reimbursed. Any tips or help would be much appreciated. Thank you!

Repost 😆 I was rear ended at a light…luckily I was the only one in the car. The other driver accepted liability and I’m going through their insurance. I did get whiplash which I could feel a bit after the accident along with a bad headache. The pain is lingering a few weeks later now in my neck and shoulder. The injury claim adjuster offered $500 to sign an injury release. I want to avoid lawyers and running up medical bills etc for an injury that will likely heal over time. From industry experts or others with similar experience, what’s a fair settlement?

I have a 2012 Prius V that was totaled in an accident. It has 40k miles on it (I got it from an eldery couple who almost never drove it). The insurance company came back with 3 comparison vehicles, all were same year/make but all have 90-100k miles. They are saying that the "adjustment" of value for the mileage difference is only $1500... Does that seem right?

I have a 2020 Hyundai Kona with 50K miles that I bought two years ago, with 40K miles, for about $20,000. I recently drove into a parking garage with my bike rack on my car, causing roof damage. They are considering it totaled with an initial estimate of $10,600 in damages on a car valued at $15,600. First, that seems low, given that I've seen other vehicles online with the same miles for $17,000 or more. They are also trying to claim that the car has $3,000 in unrelated damages, even though I've never hit anything, scratched anything, bumped into anything, etc. I suppose there must be minor dings or scratches from driving it in the city (I've asked them to email me photos), but regardless, $3,000 seems high for whatever it is. I'd also argue that I've been paying insurance rates on a car valued at closer to the $20,000 I paid for it, not....$10,000? My question: Does it seem reasonable that a regular seeming car with no issues beyond standard wear and tear would see a $3,000 devaluation like this? Can I get a second opinion on the value of my car, and this prior damage? How do I go about doing that, and what would it cost? On a slightly unrelated note...is insurance just kind of insane right now? I feel like I'm hearing stories that they are totaling everything these days. (I have State Farm, comprehensive coverage).

First time posting on Reddit, and not sure if this is the right place to ask this question, if not I apologize, please direct me to the right place if that's the case. So I'm in LA and I have Progressive Car Insurance. Here's the situation: I got rear-ended back in February, the other driver was fully responsible for it, I went through the whole insurance claim process and got my car repaired, and because my insurance has $1500 car rental allowance during repair, they got me a rental car for about a month while my car was under repair. the car rental company was Midway Car Rental (The one my collision body shop is using.) Everything went smoothly back then and I even got my deductible on time from Progressive, I returned the rental car when my car was ready, they checked the rental car, no extra fee needed, no issue at all. Then out of no where, last week the car rental company charged me THE FULL RENTAL PRICE to my credit card I put on file (I used that for the deposit.) I called them, they said they have been asking my insurance to pay the rental fee for months and they never paid, that's why they charged my credit card. I called my claim rep, he said they paid the car rental on 7/15, which was 10+ days ago, the rep is also baffled by the unexpected charge. I checked my Progressive app and can see the $1500 rental reimbursement under my payout summary, and it did say 7/15/2025. I am not sure what's going on and what to do in this situation. Both side claimed that they're not the problem (well expected) the car rental is asking me to ask my rep for proof of payment and send to them or else "they can't do anything about it", I passed the message and all the info to my claim rep, he said he's on it but then nothing happened and he's now not available through phone somehow. Im very confused and somehow been put in the middle as a mediator?? I really need the car rental to cancel this charge on my credit card. It's an foreign credit card and I need to pay it off soon, and this expected charge is seriously messing up my payment plan this month. But it seems like both party needs to investigate or negotiate this for some time, and they're not very cooperative and helpful. Any suggestions, advice?

Hi we have progressive as for our auto insurance we had an accident and it raised from $2000 to $4000+ for our premium and we added 2 more cars didnt really save us money like that. We pay almost $800 monthly for 3 cars. I just got licensed in CA so i dont have a driving record yet. (I was from another country) I was trying to get a policy under my name. I dont think I can since theres not much driving history. My husband has a dui from 9 years ago and we cant get geico. Were running out of cheaper options. What can we do or has anybody had this issue and what did you do? Where can I shop around for auto insurance.

I recently signed a lease for a new apartment. I currently have AllState, however they don’t allow Landlords/businesses to be additionally insured under my policy. So what insurances do allow landlords to be additionally insured? NOT an additional interest. I can’t find any information on this! And every customer support/agent I talk to gets very confused.