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@verbum Great. But what's your plan if your kid breaks a bone over summer vacation? Or gets run over by an uninsured driver? What if your family gets hit by a drunk and uninsured driver tomorrow? What if your kid wakes up on Halloween with appendicitis?

@hollybrown OP is a Medicaid recipient so the pharmacy cannot take her as a cash customer,

@jamesbook Then OP would be much better off without a lawyer if the other party carries the state minimums here.

@daluckyboy It was actually the normal good advice from this sub that got the OP the additional $1k because they did exactly what we tell them to do-compare the comps to their car and point out any mistakes/missing features etc to the adjuster.

@jonkaro No $25k is the total limit for the damages for all 3 vehicles involved. So I would not rent a car with the expectation of being reimbursed.

@megbot It was actually your responsibly to contact Delta to verify the provider you chose was in network.

@jonkaro The danger here is that multiple cars are involved. Do you know the drivers policy limits? Because if their policy limits aren't high enough to cover everyone's damages you may not be reimbursed by liberty mutual. If you have collision and rental coverage you should use your own insurance.

@ccld This is just for FMLA. OP took non-FMLA for 8 weeks so their employer can charge the full premium during that time.

@peruss You don't. A pre authorization doesn't guarantee payment. You went out of network so you have no leverage here.

@quez The insurance company isn't stupid and your argument won't work.