Edit: Total amount that was for the insurance that month was like $400 something. I think around $430. Not sure if that has something to do with it Hey so I had gotten my car back a couple of months ago. To put it short, for some dumbass reason my ass didn't think I would need insurance to take the car off the lot and didn't factor that into it, as the last time I gotten a car I went to a shady shitty dealership which let me drive off with just liability. So I had set myself up with Bristol West. Thing is I did not have the money for the insurance but it went through because I did an option that would collect over a few days. It showed as active for me to collect my car. Anyways immediately like a day or two later, I decide to go with Progressive which was much cheaper and canceled my plan with Bristol by calling them. (I used Bristol to pick up my car but then changed it to Progressive and they took that) After it got canceled I got some mail saying that I owe $110. Now question. I do know that say if you cancel mid-cycle or early they give like a "refund" or don't make you pay the whole amount. My question is, does $110 seem right for literally using them for about a day or so. Keep in mind they couldn't even charge me but it showed my acc as active. Active enough to try and get my car. Does anyone have any experience with this? How do they decide how much to charge you when you cancel, Does it matter when you cancel or they just give you a rate which you have to pay. I just realized that they sent it to debt collections and want it.

Windshield had some severed cracks that started to spider out and had to be fully replaced/recalibrated. Before having it fixed, I filed a claim with my insurance company (progressive). My claim was denied as I hadn’t yet met my comprehensive deductible and didn’t have glass coverage at the time. I added the glass coverage a couple weeks after the claim was denied to make sure I’m covered in future events. I finally saved up enough to have the windshield replaced and recalibrated just this week. My question: Is the amount I paid out of pocket for this replacement eligible to go towards my comprehensive deductible for any future issues? My biggest concern is that I just don’t want it to look like I’m trying to commit insurance fraud by submitting a second claim for the same thing after just adding the glass coverage. Appreciate any help.

Six months ago when Progressive abruptly raised my 6-month premium rate by 20% the only explanation given was that "auto parts prices are rising quickly". Today Progressive raised my 6-month premium rate again by another 20% with the only explanation "high inflation in California". $1800 every six months is insanity. My car is nearly 10 years old and I only drive it to grocery store and maybe a restaurant now and then. I'm 60+ with clean DMV. What is Progressive trying to do there ? Is this legal or outright fraud ? If it's legal are they attempting adverse selection to eliminate California policies ? ( I've read about this for home insurance but not auto. ) What should I do ?

Location: Ohio I’m an Avis presidents club member and been an Avis preferred member since 2018. I travel a lot for work and haven’t hardly any challenges with them. I typically rent 25-30 cars a year from them. Last time I rented was in January with no issues. Two weeks ago I booked a car reservation only to have it get cancelled. I tried several more times only to have the same thing happen. I called the customer service line was told a bunch of reasons why each time until I was able to speak to a tier 2 specialist who had to work some magic to get it scheduled. I picked up the car with no issues and was on my way. Last week I booked several reservations as I’m traveling for work this week. Same thing happens. All of them get cancelled. I’ve spent HOURS on the phone trying to understand why. No one was able to help me. When the rep tried to book the reservation over the phone they aren’t able to. I finally spoke with a specialist who escalated and called me today to give me a broad statement that my name was flagged for legal matter so this is why the system wasn’t allowing me to book. She said she didn’t she didn’t have any more specifics. I’m completely surprised by this as I’ve never had any legal issues isn’t my life and I’m not banned from flying or renting from other agencies. My question is has anyone ever dealt with anything like this? Do you have any recommendations on how I can get this cleared out? I’m reaching out to find out who at my company has a contact at Avis but now am very worried that I’ll be stuck without a car on the road this week. Thanks for your help.

My husband lost his job a month after I gave birth and is on unemployment now. I applied for Medicaid and now my son and I are on it. However, we both got a card for some Amerigroup plan which is through Medicaid? My son's pediatrician only takes Medicaid and not this plan but I'm confused. Is this not still Medicaid? And if not, why would we get put on this plan from Medicaid when we never asked to be put on it? Can I reject this and just have us on plain ol Medicaid? Who am I supposed to call to get this fixed? Age: 32, Son is 5 months. State: GA. Estimated income: $30,000 from unemployment. 3 person household I don't understand how this works. Can someone explain it to me like I'm 5 lol.

Hi. I have an HO3 policy with Citizens in Florida and I’m trying to understand in what situations they would actually cover water damage since the reps, my insurance agent or adjuster are not able to clarify this. I have a water damage under my flooring, but again neither the field adjuster, water mitigation company, nor the leak detection specialist have been able to find the exact source of the leak. Insurance wants to send out an inspector who I assume would work in their favor. I’m trying to prepare in case they deny my claim and I need to bring in independent specialists to help me figure it out. I have vinyl flooring installed on top of hardwood floor, and noticed a soft spot so I removed part of the vinyl and found rotten wood. I've never noticed any water on top of my flooring. From what I understand, Citizens excludes gradual leaks and seepage, but they have a clause that covers hidden water damage if it was unknown and concealed beneath floors, behind walls, or in ceilings. I’m wondering how that actually works in practice. Since there's no known active leak it must be caused by something situational, hidden or accidental spill. I'm having a hard time determining the fine prints since it gives conflicting information. I've included a few pages from my insurance declaration related to water damage in link below: https://imgur.com/a/sc50G9K Would Citizens cover situations like: - Moisture buildup under flooring due to a failed vapor or moisture barrier? - An AC leak inside the walls over time from a pipe failure or faulty installation? - Sporadic leaks from an air handler that was poorly installed? - A cracked condensate line or even a sewage pipe leaking beneath the slab? - Water spilled sometime in the past which got under the floor? Has anyone had Citizens approve a claim for something like this, or did they deny it as a maintenance issue? If they did cover it, what kind of evidence did you need to provide? I want to be ready in case they push back on the claim. It's been over a month already and I am not able to get the renovations started since adjuster wants me to keep it as is for now. On top of that the adjuster wanted me to keep the damaged flooring (with mold) bagged indoors. And he also advised that we live home since the mold did not seem to be a big issue from what he was able to tell from the photos (despite water mitigation company saying that it was over 10sq ft and asked that we find temporary stay since we have a small child until they send a higienist, which they did not get an approval for from adjuster)... I would really appreciate your help. Thanks

Someone hit my crappy but reliable car on the way to work a few days ago and their insurance (state farm) is trying to declare the car a total loss, but the cost of the car won't come close to getting me a new used vehicle of the same quality. The damage to the car is mostly cosmetic with only about $1000 in repairs required to get the car on the road again. But ~$4000 to repair the cosmetic damage. The mechanic suggested I try to call them and let them know that I wanted a lower payment in exchange for the car not being totaled but whenever I call state farm I'm immediately redirected to their total loss department. Is it at all likely that I'll be able to instead do a cash claim so that I can keep my car or am I just competely fucked?

Hello everybody! Thank you so much for all the important information in advance. My personal car was at the shop and I needed to rent a car. I did — from Turo. I purchased a minimum coverage from Turo (my deductible was $3000). Was in traffic going around 15-20mph and the car in front of me slammed their brakes. In order for me to prevent the collision, I swirled to change the lane to the right, hitting their back right corner, and wiped my car through the curbside. They had a scratch and one side of rear bumper got unhooked. The car I was driving had the headlight destroyed, front bumper fully came off, and the driver‘s door stuck. The other party filed a claim with my car insurance. My car insurance does not cover rental. I’m so genuinely confused because my insurance is telling me to figure it all out as they have a balance of $4000 that I am required to pay. And I’m wondering if the other party was supposed to file the claim with Turo? Is my car insurance supposed to be invo

I'm so offended by the "hard breaking" beeping, that when I get to 40mph, I've unfortunately started driving through yellow lights and barely miss it turning to red. I've always slowed at yellow lights before Snapshot. I always go the speed limit. Realistically, there's too much traffic in my town to be able to drive safely without hard breaking. Just want to share because if I'd known, I would've opted out of it.

I rejoined British Columbia Automobile Association (BCAA) last year, after a short time away. I like the extra comfort in having them as a backup for my driving. But, when I renewed this year, they had to fix a double payment issue. I had not caught the double payment myself. I paid online with a credit card. They charged the credit card the next month, without me knowing about it. FYI. Still staying with them for back-up but will check payments closer in the future. I got a refund and 9 months extra. fyi.