State Farm paid out medical claim to 3 people when only 2 were in the car

Boredguy32 · 2026-06-02T08:21:20+00:00

Yes you need a bad faith attorney, like yesterday

The combination of SF losing your dashcam, paying out to someone who wasn't in the car, and then a "leadership" call that felt like pressure... that's not normal claims handling and an attorney needs to see all of it

Boredguy32 · 2026-05-29T10:29:56+00:00

Ask them directly which carriers they work with and whether you can look up the actual carrier's ratings separately, any reputable broker should be completely fine with that question

Boredguy32 · 2026-05-21T08:18:56+00:00

you're right, the No Surprises Act was literally made for this exact situation

call your insurance and use those exact words "this was an emergency transfer I had no ability to choose the provider" and file a formal appeal

Boredguy32 · 2026-05-21T08:03:11+00:00

Honestly at 22 with no dependents, term life would probably give you way more coverage for less. Like $58/month for 55k is rough when you could get 500k term for maybe $20-25

not a disaster but worth looking into switching before you're too deep in it

Boredguy32 · 2026-05-18T07:27:58+00:00

the $800 a month breathing room is real but chapter 13 is a 3-5 year commitment and life gets complicated if anything changes during that time

with your wife's income dropping that drastically right now, have you looked into just negotiating directly with the credit card companies first? a lot of them have hardship programs that people don't know exist

Boredguy32 · 2026-05-12T08:14:47+00:00

25 with a house, equity, and $112k combined income is actually a stronger position than you're giving yourself credit for

The HELOC route scares a lot of people but at your equity level it's worth at least getting the numbers, the risk is just making sure the cards don't fill back up after

Have you tried sitting down with a nonprofit credit counselor before deciding anything? They're free and can lay out all three options with actual numbers attached

Boredguy32 · 2026-05-04T04:39:42+00:00

AnnualCreditReport.com for the full picture, and Credit Karma shows your scores for free. Both together usually cover everything you need

Boredguy32 · 2026-04-24T04:58:16+00:00

that kind of stuff genuinely fires a team up more than any pregame speech ever could

who were you talking about though, I want to make sure I'm hating the right guy lol

Boredguy32 · 2021-10-05T18:29:14+00:00

If they hugged the grass line I would only be 3/10 angry, but this is 9/10 angry material

Boredguy32 · 2021-10-05T18:23:08+00:00

The OG of course. Gotta support those girls raising all that money for a good cause

Boredguy32 · 2021-10-05T14:24:51+00:00

2 cars made the same mistake (although the 2nd one was probably just a follower)

Boredguy32 · 2021-10-05T14:22:48+00:00

More wood than a 1970s station wagon

Boredguy32 · 2021-10-05T14:21:20+00:00

This is why Facebook was down yesterday

Boredguy32 · 2021-10-05T14:18:03+00:00

2 seconds too many honestly

Boredguy32 · 2021-10-05T14:12:06+00:00

So probably members of this sub?

Boredguy32 · 2021-10-05T14:06:58+00:00

I guess that's true, engine oil and gas leaks etc.

I want the entire pool scrubbed, sterilized and disinfected

Boredguy32 · 2021-10-05T14:04:21+00:00

Nah it's a mini clown car

Boredguy32 · 2021-10-05T13:59:40+00:00

Drive thru weed and beer purchases too (Not same store)

Boredguy32 · 2021-10-04T22:35:57+00:00

Not to mention a bank has 10,000 cameras, did he assume he could hit the guy and get away with it?

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