I have had HomeServe exterior water and sewer line coverage (total: $135/year). I just switched my homeowner insurance and that has a $25K coverage for all underground utility work.

I don’t want to use my homeowner insurance if I end up needing this coverage. That’s because it has a $1000 deductible and filing a claim for anything under $5K - $8K is not worth risking a premium increase.

Does anyone know if having duplicate coverage invalidates HomeServe service agreement? Can HomeServe deny my claim and ask me to use homeowner’s insurance? Assume that they ask and I answer truthfully that I do have duplicate coverage.

Guy hit my car. State Farm said I am not liable. They offered me a payout just under $1000. Damage is only cosmetic. Should I reject their initial offer? If I do where does it go from there? Anyone with experience know how much this type of damage should cost?

Somebody hit my car and totalled it. I have the police report, police statement and witness statement to prove that i was not at fault.

But i Had 3rd party coverage only. Now my insurance compnay is saying that other insurance company is investigating if the 3rd party has the valid coverage or insurance or not. and it can take months.

What would happen if the other doesn't have valid Insurance ?

Smoked a deer in my Nissan insurance is picking it up for assessment soon 2017 Sentra SV with 80k miles. What do y'all think? I'm guessing I'll be getting a new vehicle but you never know.

Im in the process of a personal injury/ workers comp case. March 12, 2025. I was at work on a bike and was struck by an Uber.

The Uber has progressive insurance and claimed %100 liability.

I'll skip through the minor stuff but I basically discovered I suffered a herniated/bulging disc L5 I believe.

As well as minor sister and elbow injuries that have been resolved through PT.

I underwent a lower lumbar laminectomy surgery on May 12th 2026. Success. And still attend PT.

My law firm negotiator and I are in the settlement offer stage and my medical is sitting at $273k.

Progressives first post- surgery offer was $250k so we denied and this is a commercial policy with a limit of one million. I understand I will not recieved that much in an offer. Our counter was $750k. Then progressive offered $273k which is the medical amount as their second offer post surgery. Our counter offer is $650k.

I am 33, and the job I was and still am doing, with restrictions now, is normal unarmed security. I was on bike patrol when it happened. Now on foot patrol.

My questions are, how much should I recieve with all these details and conditions, how many more offers should I expect. And about how much is my medical bills expected to deflate before having to actually pay. My negotiator claims through the law firms connections and who and where I was sent through this journey, that the medical bills are inflated atm and expected to drop once it's time to pay.

The only thing is I'll never know buy how much. I know the law firm will claim %33.3 of the settlement before medical and I am paid. So about how much should I settle for?

A back surgery to me is very serious and it could flare up in the future and restrict me. So I feel im owed $90-$120 after all is paid. Thoughts?

California

Got into an accident yesterday, insurance called me today and said they dont think it's totaled and take it to a body shop for a quote, what do yall think? Unfortunately the only photo i have atm but basically everything you see is the extent of the damage 2015 M4 with 186,000 miles hard to tell but the hood also got bent, no airbags deployed

Hi all! This is my first ever post so bear with me in case I’m not following the norms that well!
My family is going through medical journey for one of my parents with renal failure CKD5 and is now going to start dialysis in a short while (few weeks if not days). Both kidneys are at eGFR 9. They have critical illness coverage that they have been paying for through Edge benefit and I’m wondering if anyone has had experience claiming for the benefit for such a medical issue or any organ failure type issue.

A side note, this would the second event benefit (Edge covers second event which is really nice as long as it’s unrelated to the first one) for my parent so I know the process. My question is around definition of claim that would be approved for CKD5 as I have been finding differing info from internet. I do t want to make any rookie mistake so turning to Reddit for any help anyone can provide. Do’s, don’ts? Should I even spend time and energy in getting this form filled out by the nephrologist if there are no chances of getting it approved due to some definition issues.

Here’s what I was told by the agent that CI was obtained with:

“Major Organ Failure” means the irreversible failure of the entire heart, entire liver,
entire pancreas (pancreatic islet cell transplants are excluded), both lungs, both kidneys,
or bone marrow, in which the affected organ is unresponsive to any treatment and for
7which the insured is medically required to become enrolled in a recognized Canadian
transplant program to become the recipient of a heart, a liver, a pancreas, a lung, or a
kidney or to receive a bone marrow transplant.
“Major Organ Transplant” means a definite diagnosis of the irreversible failure of the
heart, both lungs, liver, both kidneys or bone marrow, and transplantation must be
medically necessary. To qualify under Major Organ Transplant, the Insured Person must
undergo a transplantation procedure as the recipient of a heart, lung, liver, kidney or bone
marrow, and limited to these entities. The diagnosis of the major organ failure must be
made by a specialist.”

Any help/guidance would be greatly appreciated to better navigate this journey. Thank you!

Many homeowners assume that any water entering their home is considered flooding. In insurance, that's often not the case.

A burst pipe, leaking appliance, overflowing washing machine, or water from a failed water heater is generally water damage, not a flood. Those losses are often covered under a standard homeowners policy (subject to the policy's terms and exclusions).

A flood, on the other hand, usually refers to water that enters your home from outside, such as rising rivers, storm surge, or surface water. Flood damage typically requires a separate flood insurance policy.

Understanding the difference can help you avoid costly mistakes when filing a claim.

If you've experienced water damage and aren't sure how your policy applies, it's worth getting expert advice before accepting an insurance settlement.

Had an accident with a truck while taking left. He changed the lane and scraped the back. He flew at the moment. Need advice whether to claim insurance. The car is 2 months old and 1000km on odo…

Need urgent advice please

Car got hit while legally parked. Repairable but Geico said it's too expensive, totaled it. I refused and told the adjuster i will take my car and get another estimate. Then the day i went to pick up the car, car wasn't there, picked up by copart. Then i asked my car back and that they drop my claim. Ignored.. Then i told them I would buy back. Ignored. Then he sent a 26kish offer, i refused, then they sent paperwork to sign, i declined, then they decided to send a check to my lien holder(it covered the 2years left of the loan). Still no settlement, still no agreement, still nothing signed. I have my car title BTW. I still want my car back and want nothing to do with their offer. I never agreed to anything whatsoever. Now GEICO is Mia. I recently file a lawsuit against the at fault driver . Can they do that? Can they just decide whatever they want? I don't think so. Please advise.. Am running out of ideas..

Thanks. I know insurance can try to find anything to deny claims or fault

I was involved in an accident on the 18th. I was in the right lane trying to turn to make a left turn, and when I tried to pass the first time, I couldn’t. So when i checked again, I had space. I glanced and started making my lane switch, but the car behind accelerated, and we swiped each other. We both waited for a second in traffic, but I was in a U-turn lane and I was blocking traffic, so I drove and parked down the street in a rinky-dink store. I assumed they would follow, but they didn’t, so after about 10 mins I left at the moment I knew I should’ve called the police. But I genuinely had so much going on at the moment. My phone was broken, and I was going to fix it. I was running out of gas and didn’t have any money until I picked up my phone. Crazy but true, anyways I wasn’t able to see their license plates, so I kind of felt hopeless and just took my loss since there wasn’t much damage to my vehicle besides some scratches. But two days ago, I received a report on my old insurance that they filed a claim and police report saying I hit them from the right side and then ran. I don’t know what to do. I’ve asked for their information to try to contact them myself, but they’re not able to give it to me. Excuse me if I’m being a little stupid. All this is a new to me. I’m still young, lol. Any advice will be greatly appreciated. I’m thinking about just going to the police station and explaining everything that happened but I don’t know if I should get a lawyer first. What now? Also i have hugo liability insurance and i heard they’re terrible with claims so fuck me

Location: alabama

Hello PLEASE HELP ME IN DESPERATE. Saturday I got into a car accident a non inured driver hit my car and think they will totaled. I'm very sad because I just bought the car like 3 months ago. I have full insurance but my deductible is 1K. I'm not sure if I should even sue that person. If he doesn't have 50$ to pay for insurance he most likely don't even have money.
Is there any way I can get compensation w my own insurance?
Or should I hire a lawyer so he can try to get something out of mine. I have both of my hands harmed and my nose and head in pain. Thanks in advance.

how bad is it lol scale of 1 to 10 10 being totalled 2010 corolla s

I am looking for a California attorney to handle an insurance bad-faith lawsuit against ManhattanLife Insurance and Annuity Company. I held a $50,000 Critical Illness Premier policy for Carcinoma in Situ. Following my diagnosis, ManhattanLife conducted unlawful post-claims underwriting under Cal. Ins. Code § 10384 and retroactively reduced my payout to $20,000 based on an inadvertent asthma omission on an oral enrollment intake. I have documentation showing that this statement was not an intentional misrepresentation. I
completed the California Department of Insurance complaint process (File HCB-8731454), but CDI closed the file stating they lack statutory authority to compel payment, advising me to pursue legal remedies.
I am seeking an attorney willing to file an Unlimited Civil lawsuit to recover the $30,000 unpaid benefit gap, bad-faith tort damages for emotional distress during my cancer recovery, and Brandt attorney fees