I made a claim via triple a and they stated I was at fault for the following: Tire debris was flowing through various freeway lanes. It was not safe for me to merge on to the lane to my left because it was flooded, and to my right there were other vehicles that would not have permitted me to merge in time to avoid the popped tire debris. I stayed in the lane I was an and the debris struck my vehicle, causing damage to the front bumper and fender. They stated I am at fault because I “struck the debris and could have avoided it.” Is there anything I can quote from their comprehensive coverage to not be labeled as at fault? Or am I at fault?

I own four vehicles. They’re all older and there are frequent repairs, so I rotate through them. My 24-year-old son also rotates through them, but mostly uses only one of them. We own that vehicle together. Both our names are on the title. He rents an apartment in a different city an hour from me. My name is on his lease as they would not rent to him without having much rental history. He was required to have renter’s insurance, so as one of the renters, my name is also on the renter’s insurance policy. My auto insurance company just notified me that my policy will be canceled because “Not all vehicles are regularly garaged at your household. Therefore, this risk is unacceptable and we cannot continue your policy.” My question is, is there any point in me arguing with them? I rent the property so why can’t I keep one of my vehicles there? It’s in the same state, only an hour away. What do people do who have college students who are away at school? What do people do who own multiple properties and keep vehicles at both of them? Is there anything I can do or should I start looking for a different company? Are there any companies that allow multiple garages? Thank you for any help. *Edit* my son‘s permanent address is my home address, if that matters.

I've had Embrace pet insurance for the past 5 years, and this month when my policy renewed it increased by 88.5%. I reached out to them to get an explanation, and was basically told its because of the rising cost in vet fees, and "updated data" about my dogs breed, age, health trends, etc. I have filed a handful of claims for her over the years, but she has no major health concerns or chronic conditions. Every year in the past my monthly rate has gone up, but it has always been within reason. Has anyone else experienced something like this with Embrace or another company? I am going to switch providers since they are now no longer affordable, so would appreciate any suggestions for other companies. Location: Southern California Dog info: 5 yr old female lab/heeler mix 50lbs

I noticed on my renewal for my auto policy with Progressive that I was listed in tier 3M. Google told me this is a high risk tier, but I have been driving for many years, have a clean driving record, and no claims. I am, based on my driving record and insurance history, a low risk driver. Is this a high risk tier? Does anyone know how these tiers are assigned? If I am incorrectly assigned to the wrong tier, how do I fix that?

Hey all! Boot me if this isn't the right sub for this, but I wanted to see it anyone else had experience with a situation similar to mine with their AAA pet insurance! Our 18mo Chocolate Lab at a squeaker and needed emergency exploratory surgery after X-rays confirmed a blockage in his small intestine. Some of his intestine was pretty banged up and he ended up having 2ft of bowel removed and resectioned. He then required 36hrs of clinical care after the procedure to ensure he headed in the right direction. This all happened pretty quickly and although I had read my policy completely beforehand, I forgot to seek pre-approval for his care. Their language is a little loosey-goosey about emergency situations, but they do specifically say it is 'required' for surgery, hospitalizations, and claims over $2,500 - this event ticks all three of those boxes. Wanted to see if anyone has had their claim successfully approved in a situation similar to mine, having not sought pre-approval and it being an emergency surgery and hospitalization situation. ANY feedback is helpful! Thank you & pic of the pup who lost to the squeaker and will be toy free for life for tax!

I live and work in California for reference. I left my job to seek treatment for substance use disorder and Kaiser is claiming that they cannot excuse me since I did not participate in their outpatient program. I met with a doctor every week and he prescribed me medication to detox at home from fentanyl and methamphetamine. However they claim that this is not considered to be under a doctor's care and will not sign documentation for those dates. Over the course of 28 days I detoxed three times and relapsed three times before they sent me to a third party inpatient program. I am new to the Kaiser program as of this year and they recommended I go through their detox at home and outpatient program instead of directly to inpatient in spite of my long history of substance abuse and my multiple stays at detox facilities and residential facilities. Currently I am unprotected for these 28 days but I am wondering if this is legal?

Hi! So I've enrolled into healthcare marketplace back in November, and I've hit a major health issue since then and my current healthcare provider is absolutely helpless and don't seem to care enough to help me ( I have Kaiser Permanente). Is there anyway I can switch insurances past the deadline (I know its so late now) but I'm quite fed up, and super frustrated. Any advice helps! Thank you for reading\~

I am a SF policyholder that was rear ended by an AllState customer. I opened a claim with SF because I wasn’t sure of the Allstate customers limits and also wanted to use my PIP coverage from SF versus dealing with Allstate. That was an incredibly bad decision on my part. Allstate has done an OUTSTANDING job of handling my claim even though I am not a customer. They paid for 21 days of rental car within two days of me submitting my receipt. Allstate has been responsive by email and phone. SF on the other hand has been the worst customer service experience I have ever had. No response to emails, calls are routed to first line customer service that has zero knowledge and just submits a request or ticket to the actual claims handlers. My medical bills are going unpaid and now into collections, the hospital claim is sitting unhandled and the subrogation on the body damage is somewhere out in the ether waiting for one of the mystery claims handlers I can’t contact to handle. Jesus, my first claim with SF in over 30 years of being a policyholder and they treat my like a red headed step child and Allstate, who has no customer relationship with me, is johnny on the spot. What a sad state of affairs that is SF. I have no idea how to get SF to move and handle their responsibilities short of a complaint to the Insurance commission. Is this the way it is with SF now?

I filed a water damage claim a month ago and have not gotten any sort of compensation or even an update on the claim. They sent an adjuster out but I have heard nothing since besides they are behind on claims right now. I have called several times a week and my agent/adjuster does not pick up besides one call back saying they are behind and to sit tight. Is this standard for State Farm?

So a uhaul caused a 4 car accident and drove away police wont do shit cause its the bay area and uhaul wont do shit cause its uhaul they said 15k divided by the 4 cars and that can take 6 to 8 months.....my car is 50k and totaled 90 percent sure. my collision deduct is 1000 and comp 500. How much will that cover for a 2025 model 3 awd quicksilver with 100 miles on it at the time of the accident. my tesla appt aint till 3/31 accident was on 2/25.....what do i do sue uhaul? will tesla insurance go after uhaul sucks cause i predicted all of this shit service and policies