Had a house fire, insurance adjuster said i get 5000$ a month for up to 12months for a rental equivalent to my house (3/2 2000sqft) Well 3 months went by and I decided to move into my own rental house , it’s a 1/1 while the repairs on the house are being worked on. Now he’s saying he will only give me the going rate of a 1/1 … which is somewhere around 1500-2k, which is a big difference from 5k. My question is if that 5k per month mine? Something I can fight for? Or do I only get the exact displacement fund I spend , up to 5k

I’m a newly insured driver (early 20s) and my car is over 20 years old. I only drive my car maybe 10 minutes a day 1-2 times a week due to driving anxiety. My first 6 months with progressive it was $200 a month. Now with my renewal it will be $250 a month. I’m wondering if this is normal, if/who I need to call to discuss why it has increased. I live in a very safe area. I’m new to everything and not sure what to do. From reading it seems mostly everyone’s rates are increasing but mine is still significantly higher. Any help much appreciated, thank you.

Has anyone used Clements Insurance? I'll be in Bangkok for 6 months to a year and I'm looking for full coverage on expensive personal property. They say they provide that coverage, but saying and doing....

I was a USAA member for 18 years, 15 of which with a good driving record. For a 11 of those years I served in the US Army, with 10 combat deployments to Iraq and Afghanistan. I was awarded the Bronze Star, among other honors. I was discharged honorably. After the military about three years ago I was going through traumatic personal issues and often drove distracted. During a 12 month period I was in a series of low impact auto accidents. Two of them were just backing into somebody’s fender in a parking lot. However 6 months after the last accident the computer at USAA determined I was too high risk and without providing any kind of appeal process sent me an automated letter informing me they would no longer cover me. I called and I was informed that there was no appeal process for the computers decision. The computer didn’t request my military record, nor consider my driving record for 15 years prior to that, and the humans at USAA would only listen to a computer that doesn’t understand nor care about context or give credit for military service. I was informed that there was no human being capable of overriding the computer’s decision at any level of the company. I’ve tried every major insurance company, and all of the minor ones that I can find, and they all use the same computer algorithm. I was never impaired. I didn’t hurt anybody. I’m not required to be on an SR 22. I have a valid drivers license. .. and I cannot get auto insurance. Recently, I did find two places that would insure me, .. for $2000 a month.. I have been unable to work for close to a year. Soon, I will lose my house. Does anybody know of any insurance company where human beings are still allowed to make their own determination? Is there any way to get commercial auto insurance through an LLC that doesn’t require my driving record? Is there any way to challenge my driving record, or have it improved? Or anything that I can do to convince the computer, or any person I could talk to at the state level or in the private sector that might be able to help me? I’ve tried everything I can think of. I don’t know where else to go. Thank you in advance 🙏🏻

So this is a bit long and involved. I’m a 25M who just moved back home to take over a family business after a family member was diagnosed with Alzheimer’s. We have a block of commercial units we rent out, most of them under one roof, and two units disconnected from the main building. In total we have about 75,000 SF of commercial retail space. Problem is when the landlord has Alzheimer’s they forget to do important things like carrying insurance on the main building with 65,000 SF. So I went to the insurance agency we’ve always went through for literally everything commercial or otherwise. They insisted for two months that I had coverage on all the properties (unfortunately I don’t have that in writing) despite being unable to provide a bill or declarations listing the units. It took me ambushing the agent at the office an hour away and showing her a map of the property for her to understand that despite the disconnected units being covered, the main building and parking lot carried no coverage. She had never even audited the property or looked at it on maps nor visited it. She finally says she’ll get working on adding the main units to the policy, and today she emails me right before she leaves to tell me there is no way possible for auto-owners to cover us as we have two restaurants on the property (my gf used to work as a receptionist at a different agency auto-owners does do commercial coverage for restaurants in my area). So now I’m stuck here with no insurance on a multimillion dollar lot because I get the feeling the agent doesn’t feel like rewriting the policy. All of my families coverage for everything is through this agency and auto-owners but the agency is incompetent at the very least and it’s evident I need to switch agencies at least. The only experience I have with insurance prior to this is renters insurance and personal auto, I’m really at a loss for where to start or what I should be switching around. Any advice or guidance is appreciated.

I posted here a couple days ago about a stolen motorcycle (thank you all for reminding me not to commit fraud) and I called Geico about some questions I had. The told me I could get the collision and comprehensive policy right now, after the theft, and if the person who stole my motorcycle gets into a crash with a stationary object or another car and the motorcyclist is at fault I could be compensated. I got qouted for the coverage and it's $4,717.62! I paid $791.07 originally and the new total will be $5,508.69. I'm assuming since this policy covers the vehicle its more but $4,717.62 is absolutely crazy. I don't think I will be getting the policy at this point because of the depreciation on the bike makes it worth around $8,000 and the insurance would be almost half what the bike is worth. Even at rates of a new rider that seems fairly high. I apologize for the rant, QUESTION: Is this a normal quote for the policy on a motorcycle or is that something because I am a new rider?

I have two cats, Fox and Ollie. They are brothers and turn four in September. I got Nationwide Pet Insurance in July 2024 for the first time. I did not notice at the time, but their plans didn't match. Fox's was $189 for the year, Ollie was $190. I called to change the renewal policy so it was the same, and to add Behavioral coverage. I wanted to match Ollie's coverage to Fox's, add behavioral. Fox's renewal, with NO CHANGES, increases by $125/YEAR in July. The woman on the phone said it's "because he is a year older." Lady, he will be FOUR this year. FOUR. Current: $19/mo > $29/mo So, recommendations? They are two boys, indoor, vaccines up to date but no recent vet visit. I'm mildly concerned Ollie has a behavioral issue but no diagnosis and running off vibes and tiktok diagnosis, not real doctors. I am going to wait to take him to the vet about this until I have the right insurance policy JIC, but SHOULD I even have cat insurance?!?! Otherwise, they're two healthy young cats. Indoor. Thoughts?

I originally signed up for the Chase $900 bonus approximately 18 months ago, but didn't end up depositing any money into either the checking or savings accounts (ended up not having enough liquidity at the time due to unexpected events). They ended up closing both accounts after 30 days with a $0 balance on both. I confirmed this with a Chase representative on the phone. However, he claimed I was not eligible even though I would appear to technically meet the eligibility criteria (account not closed in the last 90 days; no accounts closed with negative balance in the last 3 years; only allowed to receive one new checking and one new savings account opening bonus every two years from the last coupon enrollment date and only one bonus per account). He claimed that I had closed my account too recently, even though the plain text of the offer would seem to suggest otherwise. Has anyone had any experience with a situation like this? Is there something else I'm missing here as to why I might not be eligible? Will Chase let me know whether I am eligible or not when I open the accounts? Or do I only find out when I end up receiving (or not receiving) the bonuses? Thanks in advance for any advice.

I used to be insured by them and never had any accidents. I called roadside assistance once in 2022 because my tire had completely come off the wheel while my boyfriend was driving us back from the airport. Nothing happened, no crashes or collisions or injuries. We literally just pulled over and I wanted to see if someone could help us get another tire. I don’t recall what i said on the phone after explaining the situation but we didn’t end up getting help through my roadside assistance. Never heard a peep from geico about the incident. When they jacked up my rate almost 3x 2 year later and i asked why they didn’t have a reason, certainly not this “unreported accident,” but just said i was flagged as a high risk driver. I assumed at the time it was related to my drive easy habits. Now i am with progressive but was thinking of switching back. The quote i got was reasonable, and right before i could purchase they asked me about this unreported incident involving my boyfriend and whether he was driver on my policy when it happened. He recently signed up with geico but i’m not sure how they connected his name because i don’t think they even asked when I called roadside, and he definitely didn’t report it. I just find this very bizarre because they hadn’t asked me about this at all when I was under their insurance but now it’s being used as a reason to increase my policy quote.

I just had my first mammogram (just turned 40). My breast are extremely dense. Otherwise, normal/negative mammogram. I did the ABUS and now they want me to come back for additional ultrasound due to artifact versus true mass. At this point, I don’t really trust the ultrasound because of how dense my breasts are. The ultrasound lady kinda laughed at how white the screen was after she did the imaging. So here is my question: has anyone with extremely dense breasts ever gotten a screening mri of breast covered for extremely dense breasts? Not really counting on being able to do it as a screening test at this point because I’m probably now only able to diagnostic tests due to the ABUS findings. Asking for future testing mostly. I called BCBS and they were useless. I asked “if I have extremely dense breasts and my doctor puts that as the ICD:10 for a screening mri of breast will it be covered?” It lists screening mri of breasts as covered on my EOB. The lady on the phone couldn’t answer me. Appreciate any insight. Thank you!