Got the new 2025 Auto Insurance invoice from Erie Insurance. The only thing I can figure is one of my adult sons hit an unknown object lying in the middle of the turnpike late at night that resulted in some damage to one of our cars. It wasn't anyone's fault and Erie ended up paying out about $3,500 for repairs. But I don't think that justifies such a huge rate increase for each vehicle!!! **Anyone else get huge price jumps from Erie Insurance?** \_\_\_\_\_\_\_\_\_2013 Accord| 2010 LaCrosse| 2013 Sienna| 2021 Accord| 2017 Accord| 2024 Cost|        $ 436.00|        $ 207.00|        $ 326.00|        $ 368.00|        $ 371.00| 2025 Cost|        $ 634.00|        $ 337.00|        $ 733.00|        $ 699.00|        $ 596.00| % Increase\_\_\_\_\_\_+45%\_\_\_\_\_\_\_\_\_+63%\_\_\_\_\_\_\_\_+125%\_\_\_\_\_\_\_\_+90%\_\_\_\_\_\_\_\_+61%

I’m sorry if this doesn’t make sense or for any errors, I am in shock. I have a state specific BCBS under my parents (meaning I’m the dependent). Last year after I moved out of state, they told me that they cover providers out of state. I’ve never had an issue with this. Now, I’m getting claims that I owe $700, $2,000, etc for every visit I’ve had this year (I have a chronic condition so, lots of visits). Turns out, our plan doesn’t cover out of state anymore. Were any of us informed of this? Haha no of course not silly! When did it start? Last year, ya know, when they were still telling me I was covered. I found these providers on the insurance website which is the big kicker & I had no idea bc I assumed “found on insurance website + office taking insurance + no bills yet = I’m covered”, but apparently I’m just that stupid. I even called to ask about providers. Now I owe $6,000+ that I don’t have. I’m in my 20s & in constant pain. I can’t afford not going to work despite hurting & not being able to breathe & now it seems like I can’t even afford living. They said the only thing I can do is submit a bunch of appeals saying I didn’t know about the policy change. I can’t go see doctors anymore. My job doesn’t provide insurance. If I want a plan that covers my health problems, it would be a minimum of $400/month which is insane. I don’t know what to do. Anyone else experience this?

I looked online for a quote for pet insurance and the people at RSPCA have called twice already trying to get me as a customer and when I say no because I wanna look around at other options… they ask if I wanna sign up until I change my mind and then cancel So annoying Does this happen to anyone else ?

I am currently in the process of considering switching from PetsBest pet insurance. I currently have my 1 year old Jack Russell insured through them. He’s (thankfully) been quite healthy however, I have had experience in submitting claims through them with a 10-12 week old mixed breed puppy that I rescued (legitimately off the street). Poor Wren had multiple congenital defects with her heart and I ended up having to have her euthanized on emergency after a seizure. I submitted 2 claims - 1 for her initial visit with a cardiologist for diagnosis and the second, the emergency seizure visit. Both claims were denied due to “pre-existing condition” - which I struggle to understand considering she was not diagnosed until the visit with the cardiologist and was insured prior to diagnosis. My experience with their customer service representative the day after having to put Wren down was…lacking. I called to inquire whether or not I needed to leave her policy open until the claims were completed and was (very bluntly) told that “Because the patient is dead, the policy needs to be cancelled”. Fine. I made no complaints, I didn’t call to argue with their ruling re: pre-existing condition. And I would spend the money again and again because I truly loved my animals. I’ve let it be as the coverage is affordable and my hope was that since Norman (my Jack Russell) is healthy and has been to the vet consistently through his life, if I ever did need to submit a claim I would not experience the same outcome. Here I am, a little over a month later - my family all threw in on getting me a Black Lab puppy (Teva). Last night I looked into the cost of adding her to my existing PetsBest plan with Norman. She is more than double the cost to insure. Hear me out, I work in vet med (on the equine side but I am not lost on the workings of the small animal side) - I know Labs present higher risk (especially when it comes to foreign bodies and hips). I get it, but more than double?? After my already lacking experience? Uugghhh. All of this to ask the question - who do you recommend? In my research I am finding the price to be fairly similar across companies *BUT* with more coverage - ex: Spot seems to have fairly extensive coverage for the same price. I’m interested in opinions on all but have specifically looked at Spot, Lemonade and Fetch. Included are pictures of Norman, Wren and Teva as payment for your advice!

Okay so my cat is almost 2 yo and has no pre-existing conditions, has a primary vet, and is not spayed yet (Plan to, very soon!) I’m looking for a good insurance that covers wellness (mostly blood test and spaying cost?) for the first year and accident&illness for the following years. I have gotten some quotes and is eyeing Odie and MetLife for that, but every insurance seems to have bad reviews, or some would even call them scams. Please provide me some experiences/takes on the insurance you use for your cat, thanks in advance!! This could be really helpful for me ;)) P.S. the reason I want a wellness plan to cover spaying is because there’s no shelter/low cost spaying availability around me and I want to be consistent with my vet :,) my cat went into heat last week and I don’t want this to come back again so really wanna do it sooner.

A couple of weeks ago my partner was in a car accident that was his fault. He is going through our insurance (AAA). The financed car was totalled. After talking to insurance, they stated that due to him being upside down on the loan, he is responsible for the entire loan balance due to not getting gap insurance. I know he should have gotten it, but he chose not to. Shouldn't our insurance cover the fair market value of the car and he owe whatever the difference is? Checking our insurance, we have Collision "Actual Cash Value Less Deductible."

Right after the hurricane, my car insurance with Nationwide went up to $220/mo (was $150). They told me it was the best rate they could get for me...yeah right! With a late fee of $30, I have been paying $250/mo! I just went with progressive and am back down to $150/mo with good coverage...200 deductible, car rental, roadside, etc. Nationwide was a total rip off.

When the adjuster was going over the fact that their car was going to be a total loss, a 2022 Kia Sorento, that they were valuing at $34,000, $9000 over my limit. I hit them doing like 7 miles an hour, but it must have done frame damage... I just didn't see them, and t-boned them as they were making a left turn, while I was trying to make a left turn. They told me that they were going to have them file a claim against their own insurance, and its "progressive versus progressive; so, it's not like they're going to fight it", and to not worry about it. I'm not about to get blindsided with a $9,000 past due bill after being told to, "not worry about it", am I?

Hi everyone, I’m hoping to get some advice on a situation that’s gotten pretty stressful. I live in San Diego, California. About two months ago, I was driving around 2 a.m. when a pedestrian ran into my car. He was running across the street diagonally, apparently intoxicated, and hit my car right as the traffic light turned green. I called emergency services, and he briefly lost consciousness but regained it and was taken to the hospital. I also have a witness who saw the whole thing and gave me their phone number and statement confirming that the pedestrian caused the accident. At the time, the police report clearly said the pedestrian was at fault. My insurance company (Geico) told me they would handle everything and assured me they had collected the report and all the relevant information. Fast forward to now: the pedestrian hired a lawyer and is suing me for bodily injuries. I just received a letter from Geico informing me about the lawsuit and requesting my statement again (even though I already provided it right after the accident). It seems like only now they are actually trying to gather the police report and contact witnesses. I feel that Geico hasn’t been proactive at all and may not be acting fully in my best interests. In the letter, they also mentioned that I have the right to hire my own attorney, and if I do, they will communicate directly with that attorney instead of me. My main questions: Should I hire my own lawyer in this situation, or is it better to just let Geico handle it? What are my chances of recovering my insurance deductible from the pedestrian, given that the police report and witness both confirm he was responsible? Is it true that a police report can be easily dismissed in these cases? Could hiring my own lawyer make this situation worse or “bigger” than it already is? Any guidance, suggestions, or similar experiences would be greatly appreciated. Thank you so much for your help.

I was involved in a multi-vehicle accident almost two years ago. As the statute of limitations nears, State Farm who insured the at-fault party reached out asking for a blanket release of medical, work, and school records for a bodily injury claim. I’m obviously not signing that. My insurance already paid the only medical bill I had related to the accident directly and seems to have collected money for the vehicle and related expenses from State Farm. Am I obligated to provide State Farm any other documentation for the claims that have already been paid? Want to put this saga to rest for good.