My daughter is 28 yo. She just bought a 2023 Subaru cross Trek. She was on our auto insurance since she started driving, although she moved about 5 years ago. When she bought the car the insurance company called and told her she had to get her own policy. We have mercury insurance. They gave her a quote for about $4000 per year. She has had a couple accidents. Wondering if anyone can give a few companies that are cheaper. She has been teaching for 5 years, so, educator discount? She lives in 90031 zip. Thank you.

Just got my renewal notice, and my car insurance jumped to $280/month out of nowhere. No accidents, no tickets just the usual "rate adjustments." I drive a 2017 Toyota Corolla, full coverage, and I’m with State Farm right now. I mostly use my car for commuting (about 30 minutes each way), and I’m in my early 30s. For those of you with clean records, what are you paying, and who are you insured with? Thinking it might be time to shop around. Appreciate any recommendations! 🚗💨

Had collision (not gap) . Lots of body damage, but totally drivable. Quoted at $1500 in repairs (after deductible), The car is an EV and I’ve wanted to trade it for a gas car, but I owe way way more than it’s worth so haven’t. The claims adjuster told me repeatedly on the phone they’d negotiate with the lienholder if I had their tow truck come and pick it up and progressive could total it so obviously I happily agreed. Claims adjuster gets back to me, says they’ll send my leinholder 3k after my deductible (this is a fair value of the car) and I’ll still be responsible for the remainder of the balance. The remaining balance is 9K. (I know, I know..) I asked what happened to negotiating, he just gaslighted me that that’s not his job and he said he’d *maybe* negotiate. So I ask for my car back, he said, no I can’t have my car back. How is that possible? I haven’t signed anything yet, but I don’t get why they pressured me to agree to paying out my lienholder 3k vs 1500 payout to me (after deductible) I’ll be left with no car and 9K in debt? How can that be legal? Help? Edit : by asking for my car back I meant , can I have my car back and then they send me the original check for the body damage repairs

I'm looking to insure a 2018 Chevy Cruze, full coverage. Was quoted $389 by progressive, and that's more than I can afford monthly. Looking for recommendations on insurance companies that might have cheaper/mor affordable rates

I live in Ohio and have State Farm for my homeowners policy. My roof was damaged by wind end of September 2024 and siding was torn off my house. I also have water damage inside my home. I had a contractor out and State Farm had their contractor out to assess damage. I have a $6k deductible and State Farm deemed it was repairable. Payout is $4k but I appealed because of the matching code in Ohio and I don’t agree the roofing repairs will match my current roof. In the meantime, another storm passed through and now shingles are flying off my house. I am 20 years in on a 30 year shingle. State Farm wants me to file a new claim, and a new $6k deductible. I believe they should have covered it from the beginning. Now what do I do?

My daughter is going through a lot of PT/OT that is being billed via a local hospital outpatient center. I talked to the insurance company administrator for this portion of my insurance and I ensured that the provider (hospital) we were going to would be treated as in-network (see \*\*\*\* paragraph below, as they guaranteed it and I couldn't find a provider that would do this within 30 miles of my home). To do this, they had to negotiate and worked out an agreement. On top of this, the provider has to get pre-authorization in blocks of visits so no visit has occurred without someone at the insurance company pre-authorising these. My certificate of coverage does say that I do have PT/OT benefits but there's two kinds of it, one that is based on a hospital stay and one that is based medical necessity . They both have the same copays and costs, so it shouldn't matter but regardless, there are two ways one can get PT/OT via my insurance plan. The provider has submitted these PT/OT requests to the hospital administrator Anthem. Anthem has rejected these with the code: "\*00NYP Your policy will cover this service only if it follows surgery or a prior hospital stay for the same condition. Please refer to the section of your contract or benefit booklet that describes the coverage for this type of service." \*\*\*This is what my certificate of coverage at a glance says about CT/PT/OT: "Chiropractic Treatment, Physical Therapy and Occupational Therapy Network Coverage Each office visit to a network provider, including related radiology and diagnostic laboratory services, is subject to a single $25 copayment. No more than one copayment per visit will be assessed. MPN guarantees access to network benefits. If there are no network providers in your area, you must contact MPN prior to receiving services to arrange for network benefits. Therapy must be prescribed by a qualified provider." AND "Physical therapy following a related hospitalization or related inpatient or outpatient surgery is subject to a $25 copayment per visit. Physical therapy must start within six months of your discharge from the hospital or the date of your outpatient surgery and be completed within 365 days from the date of hospital discharge or outpatient surgery. Medically necessary physical therapy is covered under the Managed Physical Medicine Program when not covered under the Hospital Program (see page 12)." From looking at how they are capitalising things, I believe Managed Physical Network/MPN is yet another administrator for PT/OT like United Healthcare, Anthem, and Carelon for medical, hospital, and behavioral. Am I right? So they are not sending it to the right place? Or it is coded incorrectly? I'm wondering why this provider is having so much trouble getting reimbursed the right away since there's been a lot of communication already with SOMEONE and it should all be set.

Hi, I recently sent my husband’s wedding band, my engagement ring, and my wedding band in to get polished and resized. Kay jewelers has lost all three rings. The section on the bottom of the receipt reads as follows: “In accepting said merchandise, it is understood that this store, or any of its employees, are not responsible for identification or condition of stones or jewelry at the time of receipt. This store accepts the merchandise listed above solely for the purpose of repair and does not undertake to act as an insurer of this merchandise. I agree with the description and values of the merchandise listed above. IF ANY MERCHANDISE LISTED ABOVE IS LOST OR DAMAGED, I UNDERSTAND THAT I WILL RECEIVE REPLACEMENT MERCHANDISE OF LIKE OR SIMILAR VALUE UP TO AND NOT EXCEEDING THE AMOUNT STATED ABOVE. MERCHANDISE MAY LEAVE PREMISES, CUSTOM DESIGN JEWELRY IS NOT RETURNABLE.” - basically waiving them of any legal obligation. My husband and I have requested a refund for the value of the rings, which they have denied. They have offered to replace the rings, but my husband and I want to be done with Kay. Do I have any power to take them to court to get a refund? Location: Indianapolis

Location: South Texas Hello! I recently purchased my first home here in a coastal city in the state of Texas. As all of us on the gulf coast know, I am required by my mortgage lender to carry a windstorm policy for protection during hurricane season. This policy was set up by my home insurance company, and therein lies my issue. The home insurance company filed incorrect paperwork which inaccurately qualified my home for windstorm coverage and additionally inaccurately qualified my home for the mortgage company to lend to me. Can I (or the mortgage lender) file suit against the insurance company for this error? Edit: apologies for leaving out important context. The Texas windstorm agency has informed me that my policy will be discontinued in April if I do not provide the original paperwork for the property from 1988. (The paperwork was not completed in 88 despite insurance claiming it was) And if I cannot provide the paperwork I will be charged a 15% addendum to the premium in order to maintain my coverage.

I asked the Doc to send a simple urine sample to Quest. My insurance covers 100% labs with Quest. Today I see on my Florida Blue Cross account they sent it to a different lab and my portion is $3170. What to do?

State Farm is discontinuing the policy for my 3-unit multifamily rental property. My umbrella policy is also with State Farm. My agent told me umbrella will cover the rental property if a new policy I find is A-rated (i.e. by AM best, JD power, etc) and underlying liability limit of $500k is purchased. Is it really true that the new policy for my rental property must be an A-rated insurer? What if it is less than an A-rating or not even rated at all? Insurance is insurance, isn't it? It is becoming extremely difficult to find a good, quality top-rated insurer that will write a new policy for rental property (building) that is 70 years old.