I've always had a fairly good experience with State Farm. I had a fire claim around 10 years ago and they paid promptly. I also had a boat claim several years ago and, in spite of some issues, they paid that as well without too much trouble. Last year they increased my homeowner's premium from $2k to $3k; then in November a tree fell on my house. Most estimates for repair were in the $20-30k range. State Farm's adjuster said the damage was less than my deductible ($9800). I also tried to get quotes from companies that State Farm suggested. These seem to mostly be brokers for contractors and not contractors themselves. 2 never responded, 2 inspected and declined to bid, and the 3rd submitted a bid to State Farm that was the same as all the bids I received. As of last week, my adjuster was still "working on it". Meaning, I assume, that they were just going to wait it out until I gave up and did the work by myself. Note to State Farm: your strategy worked! Sitting on a claim for 4 months while a roof leaks is a good strategy for not paying a claim. I've repaired much of the damage myself (basic carpentry), I paid for the tree removal ($3500), and I'm paying for a replacement roof. All of the roofers who quoted said it would be $15k to fix the damage and $20k to replace the entire roof, and since my roof was getting old, I opted for replacement. I'm getting close to $30k spent. Yesterday I happily canceled my policy and switched to another company at 40% less for the exact same coverage. I understand that State Farm is in business to make money and not to pay claims, so I expected them to lowball the repair cost, but 1/3 of actual cost is just silly. What annoys me most is all those years of wasted payments for insurance that wasn't really insurance. Hope this helps someone else not learn the same lesson the hard way.

Hey everyone, I’m considering getting MetLife Pet Insurance for my dog but I’m so confused about whether it’s actually good or just a waste of money. I’ve heard mixed things and want real opinions from people who have actually used MetLife pet insurance. Does it cover enough? Are the claims process and customer service decent? Or is it just another insurance company that makes promises but doesn’t deliver? I’ve been burned before with other pet insurances that seemed great at first but then denied my claims or had crazy restrictions. Looking for honest reviews about MetLife pet insurance — did it help with vet bills? Was it easy to deal with? Any tips or things I should be aware of? Thanks in advance, pet owners!

Received my 6-month renewal notice for Progressive and suprise (:smile:) a 20% increase. Problem is I use Snapshot, have 4/5 average, which I thought yields an additional discount, not an increase. I called. Progressive claims rates go up/down all the time and can not give me specific reason for this increase. My 4/5 average Snapshot is already included in new rate. Is this practice common, follow *their* Snapshot rules - get increase ??

I got a missed call followed by a text from an Agent I just recently purchased car insurance from requesting a photo of my Drivers License. I have no accidents/claims going on. I’m the only driver. No co-mingling of cars/insurance with other potential drivers and no other potential household drivers are in any accident/claim mix up either. She asked me for it over the phone a few days ago when I was purchasing. I told her that I wasn’t comfortable sharing her a photo of it because I had already given her every bit of information from my DL. *Side note: She’d made me feel a tad bit uncomfortable during the quoting process so this was my attempt of staying vigilant since it’s a small agency/broker* She replied that it was fine that I declined as she already had all the DL’s info I had already provided her. But today I have a missed call, voicemail, and text from her stating the company requires it. Is this normal/common practice? I briefly worked in insurance myself (SF) and per my training that was sensitive info so getting it emailed to us/texted to us was already merky waters. I was trained to take the data directly over the phone and immediately input it in the system—avoiding requesting info being sent to you and sitting in a text/email portal rather than a secure encrypted server. TIA.

Hey Team, if I get 'ghosted' by an adjuster how would one find their manager's contact information so I can send them an email? This is for Travelers in the Mid-Atlantic Region USA. Still haven't gotten any reimbursement for my personal property after a fire... and several attempts to contact them.

I bought a used 2012 Volvo during the pandemic at the height of used car prices out of desperation. I needed a car. I have $12600 left on the loan. The car itself is now valued at $4000. It currently requires $15000+ in repairs to pass safety and emissions. I’ve had nothing but problems with it since purchase a couple of years ago. I have put about $1500 into the car so far in repairs. I suspect I was sold a lemon, one shop suspected a history of flood damage, another refused to comment if that was a possibility. I do have gap insurance, not sure if that can apply here. I cannot afford to fix the vehicle or pay out the loan and get a new vehicle. Between the original dealer, the lender, State Farm, auto repair shops, I feel pretty constantly let down by customer service. I also struggle to understand all of the policies and legalese. Is there anything I can do here? I’m so overwhelmed.

I was in an accident that wasn't my fault (other party received a summons), I called my insurer (state farm) to report it and begin the repair process. I was told by SF rep that I shouldn't have called them. I should have gone directly to the other party's insurance so I wouldn't have a claim on my record. I'd always thought my insurance company just worked it out with the other company. Am I wrong?

A couple months ago my car was parked and someone hit the back of it (they were parked behind me). Luckily my dash cam recorded everything. I contacted the local police and they went to the man’s house and he admitted fault saying “ I didn’t think it was that bad”. I declined pressing charges as this man was older and In just wanted his insurance info thinking it would be a simple claim. Alas, here were are with State Farm trying to get me to use their preferred body shop and only approving 60% of the estimate. I know they tout the benefits of using their contracted shops but I don’t want to do that. I got two estimates from two reputable shops showing what the cost to repair should be but they don’t want to budge. I also understand that if I go to a non contracted shop then the shop can request supplements for more money from insurance to complete the repairs. I just don’t like being liable for any monies not agreed to by State Farm if that situation were to happen. At this point I’d rather just get the amount the two shops quoted me to fix it and go that route. I’ve compiled a demand letter requesting that amount, along with 10 days of a rental care cost. I think this is fair and hoping this will resolve the claim. Think they will agree?

Update: Thank you for all the responses and suggestions. This is my first time ever dealing with insurance so was a little confused. I believe I have figured out what the issue was. I was seeing an in network gynecologist and they requested I get an ultrasound. The gynecologist had me scheduled with the hospital but said I can cancel and find another provider to try and find a cheaper place. I found an imaging clinc that says online that they take Aetna and so I scheduled with this place. They took my insurance information and I called them 3 times prior to my appointment to confirm the price of the service. They had stated the service was $245 every time I called and that I wouldn't owe anything more then that. I went to the clinic and before getting the ultrasound done again asked about the price. They said it would be $245 and so I swiped my card. I asked again if I would get another bill later and they said no that this is all that I would owe. I did the ultrasound and before I left I had them print the bill. They printed it for me and it shows that the good faith estimate was $245, which is what I paid upfront. A month later I received a bill from the clinic for $400 and upon checking the insurance claim I see $400 going to deductible and another $401 saying "pending or not payable" with my total share being $801. It seems my insurance is not covering anything. I had no idea that they would not cover anything or that this place was "out of network" as it literally says they take Aetna. I was reassured multiple times that the $245 was all that I would owe. I told them many times that I would cancel my appointment if there is the possibility that I would be charged more. The good estimate bill doesn't even show the actual price of the procedure nor how much my insurance would cover. I am so mad. How do I debate? Do I file a complaint? It also seems like my insurance is unaware that I've already paid $245. Please help!!! Another $800 bill on top of the $245 is insane.

I have had Embrace pet insurance for my dog and cat for 10 years and they have always been Awesome and I have a 90% Reimbursement Rate on covered claims . They have covered many claims and have helped alot . I do pay a hefty monthly price to have this peace of mind. I’m use to an annual increase that’s incremental but a 55% jump from 220 a month is just outlandish in my opinion to 340 a month now . Have you experienced a High Rate Increase also?