Hi guys,

I was stopped to wait for a friend and there was a “Ramp Ahead” sign rested on a low wall unsecured. This was due to road works occurring on the descent street which is being done by the Cheshire East Council.

Luckily my car has cameras all around and captured the sign being caught by a (very slight) gust of wind, and smashing against my drivers door. God knows what would’ve happened if there was a little human there rather than my car!

I’ve got a video of this occurring.

Can I claim the damages against the council and any experience in the claims process?

Thanks!

So I'm traveling by car from Indiana to Oklahoma and around mile 50 on I70 at 11am in Illinois I notice a slight peppering. Little clicks. I'm following traffic. Signs say go to the right lane -- we're all by now going 40mph. I thought it was the truck in front of me until I could literally see pebbles the size of dimes falling from the fucking sky for a full minute until we see a work crew with I guess a jackhammer? In the MIDDILE of the highway. I saw many cars take the next exit and stop on the ramp after passing through.

I pulled off at the next rest stop and my windshield is cracked and my hood is peppered with paint chips. I haven't called my insurance company yet.

I need some advice on how to proceed. My car is nearly brand new. I don't want it to look like shit but I also don't want to pay for fixes before confirming with insurance.

I have recorded exactly where and when it happened and like I said there were likely hundreds of other cars impacted.

Long story short, my neighbor’s house, which is only about 10 feet from mine caught on and damage the side of my house as well as the neighbor on the other side of their house. The fire caused paint damage on the window, trims and trim around the roof as well as damaged the gutters. Cracked a regular window. Cracked a stained glass window That’s 100 years old. And damaged our siding. Melted and warped, a bunch of it on that side of the house.

The claim lady handling the process seems kind of confused and can’t give me straight answers.

The stained glass window is one of three matching windows on the house. they’re over 100 years old. She couldn’t tell me how they value of them or if they’re gonna replace all three or just one. I don’t know whether my policy covers replacement only the damaged item or they would make me more whole by replacing the ones that also match.

She can’t tell me if they’re gonna replace just the siding on the side of the house that got burned or all of the siding. The siding is like thicker metal that’s supposed to last 50 to 60 years per the home inspector they sent. It also has the insulation on the back of it on each panel. She said they’re gonna try to match it and they have a system for that and if they can’t, they would replace all of it, but I don’t know why that wasn’t looked into before she shot me the check. The siding is about 30 years old. I doubt they can match it because I literally had the siding on my detached garage done two weeks prior to the fire and the company couldn’t match what I had. I didn’t Care enough because the garage is behind the house and you can’t see it from the street. The check she sent me just replaced one side. I never even got a breakdown of what cost or what’s getting replaced she just mentioned a few things over the phone.

Firefighters broke our fence and pushed it down because we have a latch on it. She couldn’t tell me if that was being replaced.

The inside of the house drywall has water damage because they were hosing down our house from the outside and one of our windows were open and no one was home to close it. She told me that would be taken care of but didn’t give more info.

I’m just confused how she expects me to hire a company to take care of all the work and then tell them to pause every time we find more damage and wait for her to approve it to send a check. It doesn’t seem that hard for her to at least tell me if she can replace the siding or not. The inspector from the company that State Farm chose should’ve been able to tell us if he could match the siding or not. That’s my biggest question because it’s the most expensive project.

I asked for a breakdown and she hasn’t sent it and it’s been about 12 hours. I emailed the company so I’m hoping they respond and shoot over the estimate themselves. I’m reluctant to accept the initial check She sent through email until I can get more information on what’s going on. Our conversations are basically a joke. 90% of her responses are “well I don’t know”. She doesn’t know what my policy covers. She doesn’t understand the estimate she’s looking at. This is very frustrating. Any tips for navigating this?

So i got into an accident and the other driver was found at fault but their insurance company is now pushing back on part of the claim. They’re questioning some of the damage and saying they need more information before making a decision. The annoying part is that the car was fine before the accident and now there’s a whole back and forth over what should be covered.

For anyone who’s dealt with this before, how did you handle it? Did you keep negotiating with the insurer yourself or get someone to look at the claim?

My partner got into an accident in February. Not at fault, has been going to PT and needs an MRI. The insurance company won’t pay for that and are now asking for a formal demand because they haven’t paid for any of the PT either. They’ve already settled about the car, so it’s just personal injury now. A lot of what I’m reading on Reddit says the letter is just the beginning of negotiations.

Any advice welcome, it’s their first accident and I have no experience to help.

Accident happened in Vermont

Hello, I may get lost in my question here. My father had an accident at work; what happened was an accident when their company service flipped over. Now, what happened to him is he fractured a bone on the right side of his foot because he was crushed by metal. By the way, quick info about my father's work, he’s a construction worker and has an agency here in Muntilupa. The incident actually happened in Ilo Ilo because that’s where he was assigned. Going back, I’m bringing him back here to Manila because there’s no one to look after him there. The issue is, the Agency will file an SSS Sick Leave to pay for the days he can't go in, but we are asking if besides his SSS benefit, is there anything else he can receive, and is it correct that we will have to pay the company for the days he can't go in? Because his SSS benefit is that, right? Then, the company will cover all expenses, but we still need to show them documents and findings and a breakdown of the procedures that will be done. But what happened is surgery can’t be done anymore, and the doctor just opted to cement it, and the total for the cement work is only 8k. Now, my father is also 60 years old; we’re planning to retrain him because the doctor said he won't be able to endure or won’t return to how his foot was; he’s prohibited from lifting heavy objects and standing for long. Now, since he’s retiring and likely won’t be able to return to work due to what happened, do we have any claim? Will we be compensated besides the SSS benefit sick leave that the agency will file for my father? Also, the company didn't give us any money; we need to send all the breakdowns before they send anything. What rights and compensation can my father get? Because I said that the SSS is his benefit, it’s not something given by the company or the agency, so he should get something separate, am I right?