Wondering if anybody has any advice or information they could give me I live in California and have progressive. I made a claim back in January to get a chip fixed with Safelite and that chip still turned into a full crack across my windshield my insurance went up and the deductible to get the windshield replaced was 500, so I decided not to do it Here we are now in July and I do want to get it replaced, but I don’t know if it’s better to just pay out-of-pocket or go through my insurance again with the risk of my monthly going up. Is there a way I can talk to my insurance so that my monthly payment doesn’t go up or should I just pay out-of-pocket. TIA !

I have not enrolled in Trupanion but I am interested in them because of their direct pay options.. however I was chatting with an agent and I asked about prior history of colds or ear infections and she said that would be a pre-existing condition. She said it also depends on the record review. I asked for a contact to review my records and she said that can only be done after enrolling. I asked for a compliance department contact, and she said that isn't available for members. Can someone give me any insight to any of these statements? I'm getting different responses when I speak with different agents.

I pay an arm and a leg for commercial auto insurance for a child care related business. I have 6 vehicles that I'm charged around $4500/yr per vehicle (yes I've shopped this several times, no there aren't better rates available, very few companies will even write policies for this industry). We don't use the vehicles at all in summer so they just sit in a parking lot. In years gone by, I've been able to drop the insurance during those months to "seasonal coverage" which basically means they are comprehensive only, and have no liability insurance because they are not being driven. Progressive has no problem with this. This ended up saving me about $2000/mo for 2,5 months, all in, or about $5000. I tried to do that for this year and I got an angry letter from the State of Florida saying that I need to forfeit my plates and pay a $150 reinstatement fee for each vehicle because I've "dropped my insurance". I've never gotten this letter before. Is there any way around that? Does this mean that I'm stuck paying liability insurance on vehicles that never see the road?

August 2017: $60.12 August 2019: $66.28 to $77.07 August 2020: $69.88 to $104.82 (50% increase) August 2021: $104.82 to $154.99 (48% increase) August 2022: $154.99 to $191.33 (23% increase) August 2023: $191.33 to $229.59 (20% increase) August 2024: $229.59 to $287.03 (25% increase) August 2025: $287.03 to $828.97 (189% increase)

Hi all - I was wondering what the likelihood that my Appeal that I finally sent in will be successful or if I'm just going to continue getting the runaround from United Healthcare. At this stage is it worth doing anything else (or do I have to wait until the Appeal plays out?) Some details... The claim that I filed with United Healthcare had all the correct, relevant, and necessary information including the in-network Tax ID, the Practice’s pertinent information, the doctor’s name, itemized receipts (two – one paid with FSA and one paid with credit card), and other pertinent claim-related information. United Healthcare processed the claim as out-of-network, but the Practice is in network, which made me receive +/- $3,000 less in reimbursement than I should have (due to that money going to an out-of-network deductible). I have called United Healthcare more than 15 times now across 3 months to see what else is needed and to fix the wrongly coded EOB and I’m always told that United Healthcare made a processing error and will fix it – but it never happens months and months later. The EOB erroneously states that this was an out of network event, but everything was in-network, and I have coverage for the procedure on my plan. Once again, every time I have called United Healthcare, they have told me that I’m right, that they are ‘backing out’ of the old claim and will fix it, and every time nothing has been fixed. I just called earlier this week, and the 15th advocate I spoke with (after taking 20 minutes to look over all the times I called and notes) said I was 100% absolutely correct, I should have received an EOB saying it was in-network, and the determination was wrong, but folks keep coding it – inexplicably – as out of network. She encouraged me to appeal....which I just did. Expectations of what may come next? Thank you.

I was in an accident recently and i signaled and looked behind me and merged rightward into a middle/center lane. As I did so someone came flying up from behind me and I believe they very likely merged leftward into the same center lane, and I struck their aft portion of their car. Like their quarter panel and rear door (it was a four door car). I hit with the front of my car. like my right-side turn signal and bumper cover hit their left-side rear door and quarter panel. Not much damage to either vehicle but certainly much more to the other motorist's car. They will probably need a new doorskin and new quarter panel or at least serious bodywork to repair the damaged panels. Anyway, my insurance coverage does not include collision or comprehensive. Which is fine. I prefer it that way. I thought it should've been mixed fault or not my fault at all but in one week my insurance USAA has found me liable. There were no other witnesses, no passengers in either vehicle, and no camera footage. I forgot to take photos of either vehicle and so did the other motorist as far as I know. We only took photos of each others' insurance cards. They said due to the location of the damage on both vehicles (i never sent them a photo of either vehicle so other than my words and the cop's words they don't know where the damage is on my vehicle) and due to the police report, they are making this decision. I called the police department to get the report and not only do they want 10$, but they said the only way my insurance company could have the report is if they solicited to lexisnexis via snail mail. If that is true, then I suspect there is little that in ~6 business days they got the report. I was unsure what happened and the old lady who hit me/I hit was very adamant it was not her fault, which I guess is what I should mimic in the future, even though anyone with half a brain knows that in many accidents, eyewitness testimony is unreliable. I did not admit fault at the scene or to anyone I have a career where my driving record is important and I really don't want my insurance to go up. The adjustor is being noncommunicative. Please help

"I'm working with an agent who recommended Corebridge, but they charged me twice for my annual Term Life payment. After a frustrating experience with customer service trying to fix their mistake, I decided to cancel my policy due to their poor support. Can anyone recommend a better company?"

A friend is in a fix - seeking to get some expert's thoughts here: Is there an option to close 403b? who to ask? Should it be the company (Fid in this case) or the benefits team. unfortunately he worked for a short term in a school summer position and saved 400$ in 403b. did not know that there will be a fee of 70$ charged every year ( ridiculous amount ). No longer doing the job but will be a student another few years. Fidelity says benefits has to terminate the employee status and only then funds can be taken or account closed. benefits say they can't terminate until he remains a student, even if not doing the summer job. The balance now is 330$ :( He's quite upset understandably. Pretty soon will come 0 if no action taken What are his options? Fidelity chat isn't helpful and say cannot close since he is still active in status. It is a mistake hoping to save, without realizing the fee unfortunately. Any thoughts or suggestions? Thanks

Good morning/afternoon/evening lovely humans. You read the title right, and the only reason I found out was because I'm currently getting my Property and Casualty license myself. I had my life before, and called them out on some shady shit, described below. My apartment with my (21f) and my (now ex) fiancé (23m) was broken into on October 13th, 2024. I'll refrain from details to protect my ex's identity, as well as my own, though this is still my main account. But, a very important detail is he is currently deployed, so I've been handling all of this by myself. I will admit I had to wait until around October 23rd to file the claim, since I had to do a thorough inventory of what was stolen (of both mine and my ex's, as he is unable to help due to deployment). A lot of stuff I still don't know if it was stolen or not, as full boxes of my stuff was nabbed, and I have no way of knowing what was in them as it's been a very long time since I packed them. So, submitted my claim on 10/23/24. Was told on the claim submission screen that I would be contacted in 1-3 business days. Seemed like standard procedure, so I thought nothing of it. Waited. And waited. And got sick, and waited some more. As a matter of fact, my life insurance licensing test was during said waiting period, as I didn't hear anything from Assurant for a WHOLE MONTH. I ended up reaching out to them, threatening to report them for malpractice to my state's Insurance Commissioner if they didn't start taking their job seriously. The first recorded day I have of them contacting me is on DECEMBER 3RD, 2024. So almost a month and a half after I had submitted my claim. After I got into contact with my claim adjuster (we'll call him P to protect his identity) things started moving pretty smoothly, or so I thought. P was responsive, answering my questions and making sure the payout would go to me to handle, as my ex is unable to really help due to his current situation. However, a lot of the gear he left in our apartment was stolen, meaning it had to be on the claim, along with prices for each item. We supplied them with the full CIF NSN list, with prices listen for each item he was issued... which Assurant proceeded to not use, despite adamantly requesting it. At this time, I should also mention I was dealing with chronic tonsillitis, and only got my tonsils finally removed on Feb 5th, and could barely swallow, talk, or really do anything due to how bad it was. I feel 10x better now that they're gone, but being ill was making it harder to remember to do things for the claim. That being said. I was still checking in and asking how Pedro was coming along, to which I was consistently being told that I had to "re-email" things since they "didn't show up". Which I can almost guarantee is BS, since emails are 2 way and I still have all of the info I sent to Assurant, all of which is perfectly legible. However, out of the blue, on January 15th, my claim was transferred to someone else, we'll call him K. K was... A good person at heart, I'll say. However, man was he LAZY. He refused to request his own copy of our police report, which as far as I'm aware, should be illegal, as that opens up the doors for fraud, which I made known to him repeatedly. Even still he wanted me to send it instead of him just requesting it from the police department himself. Keep in mind, January 15th. I had to request a new copy of the police report myself, as I was sent the wrong one when I originally requested the document (and not like to police department did anything about it, even though I repeatedly tried. They hung up on me every time). So I texted K back on the 29th when I received the document (FINALLY). He got back to me on Feb 3rd, stating he'd been out sick. Totally cool, I get it. I had sent it over email, as requested, and again there were "issues" with the document. Even though I could open it just fine through the email. I even sent it multiple times, all of which had "issues". As this was butting up to my tonsillectomy, I had to make K aware I'd be out on recovery. He got back to me on the 11th, giving me a call. I responded the best on day 6 of recovery (those who have had a tonsillectomy know how painful the scab process is), but it was just to let me know my claim had been processed and I was FINALLY getting paid. I had 6 months to claim the money, and as I had to close my bank account due to some financial troubles, I only just this past weekend was able to start the process to get the check. I'll have it by Wednesday, March 12th at the latest. But now here comes the nitty gritty. According to the Property and Casualty Insurance Provisions, "\[The\] payment to the insured or a person legally entitled to receive payment within 60 days of receiving the insured's proof of loss". Unfortunately that's just ExamFX's wording, and I don't know what the official source document is, so I turn to Reddit to help! What would be my next steps, if I were to report Assurant for malpractice? I think K is in the clear, personally, as from the time he was handed to report until payout was within 60 days. But P and Assurant as a whole should be reported for malpractice, at least in my opinion. My inbox is open for any questions, though I will not answer anything personal. I'll also respond to comments as I can. Thank you all in advance! UPDATE: I have reported them to my state's Insurance Dept. I will continue to update as I recieve new information.

Got a policy update email that will take effect in 63 days. Going from $196/month to $567/month. This is actually insane. I got on phone with them and they said it’s not my amount of claims but they consider the state of CA and thst since it is pooled insurance it is what works best for everyone. I was like, this payment is like a luxury car?! The only thing they said to do is lower the reimbursement and up the annual deductible; right now I have 70%/$500 and if I switch to 50%/$1000 it is $372. My dog is 14 years old for the record. I just feel stuck and frustrated. Especially cause switching to a new one means everything becomes pre-existing. Does anyone have a similar experience? Advice?