r/Insurance

20K in medical bills

$6200 in lost wages

Pain and suffering

Still out of work

They offered only $50 over all of medical portion!

I'm only sharing cuz I have never been through something like this ever! I used to work and come home simple! Now I spread out cooking a meal that used to take me 30 mins to cook. It takes 1-2hrs to make. My every day life has been affected by this accident!

Before getting rear ended in the company truck I had no back pain now I can't stand longer than 15mins without aching. I have to sit down!

I know it's alot of people who will say, "oH wEll yOU dIDnt HIt tHe loTtery!"

I just want reasonable compensation for missing work something I'm really good at, enjoyed doing and have been doing for a decade! I've missed events for my kids that I have previously been able to attend every year prior to this accident.

Today if I can go I have to take extra steps to make sure my injury can be accommodated but most of the time I miss those events. No handicap sticker... yet. Sent that paperwork off yesterday so far it'll be temporary.

The kids and I go out every summer I can do that but I need to bring a chair if we're going to 6 flags I cannot participate!

I'm frustrated! I was used to do alright before this but since I been out of work I've had two garage sales. My collectibles went first! Baseball jerseys, comic books. I've sold things I spent years collecting that I worked hard for just to keep a roof over our heads! Its still not enough!

I can only work once a week! I've started side hustles like paid fosters for cats and dogs. I get paid to run errands in my car for the elderly or disabled! I'm literally scratching and surviving!

That offer will only pay my lawyer fees and medical bills it didn't account for my wages nor p&s. Today I was already grieving due to the fact I feel like I have to leave a good job because I haven't recovered yet now yesterday USAA spits in my face with a bs offer!

My state doesnt offer alot of resources, I looked and asked everywhere! I'm so sad my life is forever changed it doesn't look like I'll recover. I'm also mentally tired idk if I will fight to keep my house doesn't seem worth it. I might have to make some drastic changes if this doesn't pan out well.

Did anyone else ever experience this? how did it work out for? I feel hopeless!

I am an 18 year old and I drive a 2019 Honda accord lx. I am trying to decide whether it is more Important to have collision coverage or comprehensive coverage. I am unable to afford to have both of them. I just wanted help on deciding which one would be the better choice.

TLDR; I was driving in a rental and in a very minor, slow accident. I had insurance coverage from Enterprise for the rental vehicle but did not have coverage for the other party (I didn't know there were two types of coverage- lesson learned the hard way). I have received a $6k claim for the accident which seems excessive. Enterprise has paid the other owner’s insurance already. Do I have any legal options or ability to push back on some of these charges?

In the process of fleeing my home/getting divorced, I was in a fender bender. I’m in CA and in stop and go traffic. The brakes on the rental were not as good as the vehicle I’m used to driving, and even though I was slamming on the brakes I didn’t stop in time and rear ended the vehicle in front of me. I was going no more than 5 mph for the accident, all damages to both vehicles were very clearly cosmetic. The other car had a small dent in the bumper and some scratches.

I had coverage for the rental vehicle but I have just received the claim from Enterprise for $6,276.58. I requested an itemized breakdown and received the following:

$4,268.58 of property damage to the vehicle (which is about $1k for a replaced bumper and 30 hours of labor charges)
$639.84 for a rental care while car was being repaired
$1,268.16 for lost wages (the claimant initially requested $2600.00 for 4 days lost wages but Enterprise negotiated it down)

I assume I can’t dispute the property damage or rental much, but I mostly take issue with the lost wages. The representative at Enterprise specified that “The claimant went to a medical provider to be checked out. She did not present that bill for reimbursement, but she did present her lost wages.”  

This accident was so minor, it’s quite frankly *impossible* that the front driver would experience a medical need to not work for 4 days. And I think this is apparent given that they didn’t present the medical bill for reimbursement. 

Moreover, I have this person’s info now so I did some research. They are a dean at an affluent city college. I’m not going to give out identifying info, but the 4 day wage they presented is probably about right for their salary. They drove a Tesla. I assume their job has got plenty of PTO. And also it’s salary, meaning they don’t actually lose their wages.

Shouldn’t enterprise have disputed the reimbursement for lost wages? Is there anything I can do aside from suck it up and pay it? 

(It’s not pertinent to my case but it really burns to know she makes more in 4 days than I take home in more than twice that time)

I’m 30 years old, run a small business, and purchased a health insurance policy from Bajaj General Insurance around 5 years ago.

Last year, during renewal, I had an absolutely horrible experience with Bajaj. Even though I paid for the renewal around 20 October 2025, they took nearly 3 months to renew the policy, and I only received confirmation around 30 January 2026.

Now this month, I was rushed to the emergency room and diagnosed with a blocked artery (CAD). I underwent an angioplasty procedure where a stent was placed in the blocked artery.

While I was admitted, my family provided my Bajaj Health ID card to the hospital. However, when the hospital contacted Bajaj for approval, Bajaj replied by email saying that my policy had been blocked/cancelled. I was never informed about this cancellation/blocking — neither through a phone call nor by email.

After discharge, I was left with a hospital bill of around ₹3 lakhs.

Since then, I have repeatedly tried contacting Bajaj through email and their so-called 24x7 customer support, but I have received almost no response. I got only 1 call yesterday.

My agent, PolicyBazaar, informed me that they have filed a reimbursement claim on my behalf after collecting all required documents, but they have still not provided me with any claim ID. It has been more than 72 hours as of writing this post.

I have been continuously emailing Bajaj since 9 May 2026. Yesterday, someone from Bajaj finally called me, listened to my issue, and then disconnected the call saying he would email me instructions on how to file the claim. He did send an email, but the link he provided is not even working.

The link he sent:
https://www.bajajgeneral.com/claims/health-insurance/claim-process.html

I replied back to him with screenshots showing the error page from that link.

The Bajaj General Insurance Android app shows all my previous policies, but not my current active one. I have tried adding the policy multiple times, but the app keeps saying that the policy is already added.

Bajaj also has an AI chatbot. When I enter my policy number there, I am successfully able to download the PDF copy of my policy. However, when I try to check the policy status, the chatbot says “Policy not found.” Additionally, I also tried raising a claim through the chatbot, but it would not allow me to proceed.

Their “24x7 Customer Care” is basically just an IVR loop. No matter what options you select, it never connects you to a human representative. The IVR simply restarts and says it did not receive any input from me.

Bajaj also has a missed-call callback service where you give a missed call and supposedly receive a callback from their team. I have been requesting callbacks every single day since 9 May (except Sundays), and I have never actually received a callback.

Can someone please suggest what I should do regarding India’s #2 insurance provider?

This entire experience has caused me severe stress and frustration.

Also, everything mentioned here is backed by proof from my side. I have screen recordings of the app/chatbot issues, and the phone call I received from Bajaj was also recorded by me.

**THIS WAS REWRITTEN BY CHATGPT JUST TO KEEP THINGS CLEAR AND TO THE POINT**

gf rear ended an SUV with 4 elderly people inside. Totalled gf car and very little damage to SUV.....but all 4 taken to hospital. visiting SF from mid west. This happened 6 months ago. Since then NO communication from insurance co, attorneys. Today someone called saying you are being sued.

Assuming the worst, if her insurance only covers $250K & the excess is 1.5 million, what happens to her after liquidating her bank and assets to put towards the 4 elderly peoples' claim or their individual claims, or both? A lifetime garnishment of wages order?

She is freaking out and I have a feeling of dread coming over me.

At this point, what can we or she do to improve the situation?

What are my options for a non owned car insurance. I live in Michigan, need your advice. Thanks!

For some items, such as the speaker, etc., I may not be able to afford to replace them anytime soon and may need to purchase them later when financially possible.

What should I do with depreciation value in the estimate? For some personal items, I may never replace them. I may just sell the house after the repairs because this whole process has been exhausting. Honestly, I don’t really need a single-family home for myself. For some items, I may need to purchase them later when financially possible, no urgent for replacement, I may not be with the insurance company then.

Had the most minor accident the other day where the other party wanted me to give him $400 to fix the “damages” to his car, when i said I’d rather go through insurance / file an accident report with the police, they wanted to drop everything. At that point the cops were already on their way and i had a feeling they were trying to scam me for $400

The man in the other vehicle was walking around, drove his car out of traffic and was fine before the police came. As soon as they come, immediately starts complaining about back pain and an ambulance had to come. Now they’ve retained a lawyer for an insurance settlement for his medical bills.

I honestly think this guys a crock of shit but how do i go about this? All of this will go through my insurance company, but my insurance also said if they deny their settlement the other party can sue me within 2 years. Smh!! I don’t know what to do!! This is my fist accident and i am so thankful it was such a very minor one, but now i feel like there’s this dark cloud over me for the foreseeable future.

Hello, recently my car was hit by a distracted driver while i sat at a red light. Their insurance has deemed my car a total loss. They need the title of my vehicle before they can give me the settlement amount. I paid the car off last year but never got the title updated to have the lien information removed from the title. I have paper work from the bank saying the lien has been satisfied and paid off. Do i need to get the title updated to remove the lien before sending it to the insurance people?

Seems too good to be true. I pay around $11,000 a year for home owners. Home value is $2.1 million.

The insurance agent called and said if I add my auto to the policy it will reduce my home owners by $5,500.

Obviously $5,500 is a sizable amount of money. Is it normal for bundling to save so much money?

For the house water damage claim, my understanding is that overhead and profit should be covered under the insurance policy, and that my only out-of-pocket responsibility should be the deductible. The current estimate appears inconsistent with that understanding, so I would appreciate clarification on how the coverage is being applied.

Trying to decide between them and Farmers. I’m insuring a home I’m in escrow for in a moderate fire area in SoCal. Farmers is 7k annually, and Universal North America is 4k. Coverages are the same with no hidden bs about not covering water damage, sewage backup, or wind.

Location: TX

My car was hit a couple weeks ago while parked. I was at the store right in front when it happened so I saw it happen and went outside immediately. I got his drivers license, phone number, pics of the scene, and his insurance policy.

I submitted the claim but after some time, their insurance got back to me saying the insurance was not for the same vehicle that hit me but they did find he had an active policy for that vehicle with a different insurance.

He does not want to give me the insurance claiming the vehicle is someone else’s and they do not want to give that information up.

I’ve talked to my insurance but because they may have insurance it won’t count as an uninsured motorist claim. And if it doesn’t they won’t take up the claim. Meaning they won’t cover any damage.

What’s the best course of action here?

Edit: I do have collision but my agent is saying if it’s under the collision deductible, they will “drop” the claim and not pursue subrogation. My deductible is $2000. I really don’t want to be out that amount.

I have called my local court and they said they can’t provide any information on him. They advised me to sue him.

Thanks

State: California

I was in a car accident merging into a main feeder lane from a parking aisle. I turned left and an oncoming car hit my rear driver's side panel and the tire area. Normally, I know I would be 100% at fault since the other car has right of way. However, I was in my marked right lane, and the other car was speeding towards me from an unmarked section, and they veered into the middle of the lane, ultimately hitting me. This is how I knew for sure I had completed my turn and not turned in front of them, since my car was fully in the marked lane and theirs was in mine. I was able to record part of our conversation where they apologized, saying they were looking into their back seat and going fast. (this was recorded in a public plaza with no expectation of privacy, thus this recording is not illegal, but I know this still doesn't count as rock solid evidence). I do not have dashcam.

My insurance company found me not at fault, and said theirs refused to pay for damages, so they were pursuing arbitration. I was then notified that the other company refuses arbitration, and that this would be litigated in court. What does this mean for me? Does my insurance company still represent me in court, or do I have to do it on my own from here as in small claims? What are the possible outcomes, and are they affected by how the other insurance keeps dragging it out?

Hi there,

I was involved in an auto accident earlier this year. Thought everything was good and case closed.

Today I got a small claims court document for the damages from the other party. I reached out to my insurance company and my medical rep advised that they closed the claim due to lack of interest, because they could not get hold of the other party.

I have reached out my specific claim agent that handled this portion of the claim but I probably won't hear back until next week. Just wanted to know if you all had an idea on what my options are here and if my insurance company will take care of it.

Geico and I had full coverage.

Hey,

I was involved in an accident last December (other party’s fault)! The settlement for my car offered by Progressive was pretty low. I tried to fight back, but I was told that’s the best they can do, so I made the decision to keep my totaled car and use the repair money to fix it. I also suffered a back injury, which on some days was preventing me from walking properly and couldn’t sit up straight for long periods without sharp back pain and discomfort all around. The accident center that I was visiting told me to get a lawyer, so I did. The lawyer took my case and asked me to sue the other person, which I refused and told him to just settle with the insurance limit without going after the second party as he’s an old guy and I don’t want to ruin his life. Since then, the lawyer told me the medical bills are eating much of the $ 25K, and I might need to power through it (i started doing home PT watching YouTube videos for a couple months; still ongoing). I had a vacation scheduled after 3 months, and I had to leave! Today the lawyer called me and told me their initial offer was $8500! Mind you, my medical bills are$11,500, and I was surprised to know that the lawyer takes the 33% cut of the entire amount. He asked me to file a petition to get them to respond faster and do a better counteroffer but also told me if we go to court, it might not work. He also told me that the accident center (which refused to take my own insurance) knows the game they’re playing and that’s why they charge too much. The insurance as well tries to pay me the least for their own benefit, but it seems he’s also part of it! Filing a petition will increase his cut to 40%, and from what I’ve been reading, hiring an attorney seems not best for non-critical injuries, which I didn’t know, but seems he knew the outcome of it as he told me I had 10 other cases with the same issue. He told me he’ll be talking with the providers to cut down their bills, but god damn! It seems everyone made money in this, and I’ll be left in the negative. I’m a resident here, and I was under the impression that hiring lawyers, documenting everything, and making sure I follow with health care would protect me, but it seems I’m getting screwed!!

Is the only way out of this by suing the other guy ? Is this what America is about ? Betting the small guys against each other while corporates and bad advocates make the money ? I feel so frustrated and helpless.

My 17 year old son passed his test yesterday and we literally can’t find anyone to insure him. He had learners insurance with Collingwood but cancelled it today after 9 months so he hasn’t earn any NCD. He drives a 1lt Skoda Citigo 18 plate. He’s had some quotes and they’re like 10 grand. It’s honestly so disheartening keep getting rejected or ridiculously high quotes. He works full time so will be at work most of the time. Any advice would be welcome. Thanks for reading.

Hello everybody. I am trying to get my son ABA therapy after a year of school and when I previously had him in ABA it was through Obama care which was $1000 max out-of-pocket which I reached and it was simple enough but now he has CHIP, which isn’t covered for ABA in Texas. My enrollment window at work is open and I can’t figure out if it’s worth using my own insurance for ABA therapy. I called Blue Cross Blue Shield of Texas and also the ABA center he went to and none of them can give me a straight answer on what my cost would be. There is a section called habilitative services and there’s another section that states if you need behavioral health this is what your coinsurance will be. Deductible does not apply when it comes to autism. On one side it says if you need Behavioral health, the coinsurance is 40% for outpatient services on the other hand under habilitative services. It says $40 co-pay PCP or $70 co-pay specialist and then underneath that it says 40% co-pay. I’m trying to figure out if ABA will be billed under rehabilitative services or the regular behavioral health because when I google anything it says ABA can be billed habilitative if I do $70 or $40 a day for three days a week it’s under $500 or something when I call Blue Cross Blue Shield. The lady couldn’t even figure out what I was saying. Can someone please help me understand what I should estimate my cost will be?

(Sorry for formatting also jumbled sentences I just want my baby in therapy 😭)

I’m hoping someone can give me some insight because I’m so lost, and my claims department isn’t helping. A couple of weeks ago I was in an accident with a semi that pulled in front of me on the freeway. He was at fault, and my car is likely totaled.

I opted to file a claim through my insurance instead of his because I understand it’s better to give your statement to your own company, they’ll fight for you, and it’s supposed to yield faster results for rental car scheduling and payouts. I asked her to contact the other driver’s insurance (Geico) because this payout should be their responsibility. I thought that would be done during this whole claims process, but it sounds like maybe they don’t reach out to the other driver’s insurance until after the claim through my insurance is closed…? I don’t know.

My passenger and I sought medical appointments afterwards to make sure we were okay. I advised my claims lady, and she told me that a second claims adjuster would be calling me because that would fall under my med pay coverage. Now, whenever I try asking this second lady any questions, she hasn’t cleared up the confusion and I leave the conversation feeling like an idiot.

My med pay coverage is $5,000, which won’t cover the bills. The remaining balance also won’t be fully covered by my health insurance. The remaining portion after the auto and health insurance pay is going to be over $4,000, which absolutely should be the responsibility of the at-fault driver. My med pay claims rep is saying that either I will have to pay it, or I have to call the other guy’s insurance to file a claim and provide a statement. So…does my insurance not forward along my remaining bill to Geico? Am I really going to have to call and now work with two companies on this claim and provide another statement of the accident? I just don’t want to get screwed over, which is why I started this process through my own insurance in the first place.

I’ve tried asking my initial claims rep about this and she just refers me back to the med pay claims rep. Does your own insurance not assist with bodily injury? What’s the correct process here?

Thanks for any insight you can give, I’m confused and stressed.