Location: Seattle, Washington Hi everyone, I’m looking for advice or similar experiences. A few weeks ago, a driver crashed into our house. The impact broke our front door, left insulation exposed, and traumatized my family. My wife witnessed the crash, screamed in panic, and we have video with audio capturing her emotional reaction. Since then, she’s been unable to sleep, cries at loud noises, and constantly fears it could happen again. Our 8-month-old baby was also in the house. While some say “babies don’t remember,” there’s real research showing even infants can be affected by trauma — especially when their caregiver is distressed. We had to cancel a planned international trip in September and also dealt with harassment from a contractor who was supposed to do repairs, adding even more stress. We submitted: • The video showing my wife’s panic • Travel cancellation documents • Research on trauma in infants Despite all of this, Safeco (the driver’s insurer) is only offering $500 for emotional distress. They say we haven’t “proven” our case — even though the trauma is documented and undeniable., no real explanation. Has anyone dealt with Safeco before in a similar situation? Is $500 a typical offer for something like this? What would you consider a fair amount based on the circumstances? Thanks in advance — this situation has been overwhelming for our family, and any insight or shared experience would mean a lot. I used ChatGPT to explain this situation here.

Back in December I got in a car accident. Literally work 4 mins away. I only drive to work to be able to pay my car and insurance. Long story short … I was in a 2 weeks waiting period before my insurance started thinking my last insurance was still active (it wasn’t). Police came and still accepted the insurance. Didn’t get cited or anything. My insurance said they can’t cover since it was during the waiting period… guy attempted to contact a lawyer and claim injuries but wasn’t injured after all or they didn’t find anything wrong. He doesn’t wanna admit to fault because he was speeding so obviously his insurance is blaming me. They called and threatened to report me to DMV and get my license suspended if I don’t pay 15k… I told them I wanted the case to be re-evaluated since I know I’m not 100% at fault. They never called again and since then my license is still active. I haven’t heard back from either his insurance or the lawyer he was trying to claim injuries . What happens now ? Is my license still a threat to be suspended due to my insurance not being active at the moment even if the cops didn’t ticket me ? Should I just not worry if they’re not calling me anymore ? I also don’t wanna get in trouble but the fact that the guy tried to claim injuries and lied about his speed isn’t fair to me

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?

I have every option that was offered with Aflac through my job. What type of things can you claim? I feel like they are so vague on this. I’m trying to get money back for things if I am able. I haven’t had any SERIOUS hospital stays or such. But I know you can claim yearly for annual physical, also for pap smear under cancer screening to get money back. Not trying to scam or anything but it seems that unless I am dying or stay in the hospital then these policies don’t pay anything. Anyone know the ins and outs? Because at this point I’m just paying a lot to have a policy.

I've known for a while that ManyPets was merging with Odie but I (wrongly) assumed that the policies would be largely the same. Odie emailed me yesterday with the new policy and billing summary and my jaw hit the floor. My plan on ManyPets was an annual deductible of $750 and unlimited coverage with 10% co-insurance. The annual premium was $377.04. According to the renewal notice with Odie, there is an annual max payout limit of $20k, deductible of $250 and 10% co-insurance (so an inferior plan) and the annual premium is **$1799.42?!** There is also a billing statement for a Wellness Plan, which I never had on ManyPets. I emailed customer support immediately on Friday and they haven't gotten back. My credit card will be billed on Monday. I'm going to call them first thing Monday morning but I'm pretty concerned. Others who were on ManyPets - are you sticking with Odie? People who have had Odie and used them for claims, what has been your experience? I'm certainly not willing to pay $1800. I have a 7 year old pug and he's healthy/never had any pre-existing issues. But I'm concerned that due to his age, I'll have a hard time getting a decent premium on a new plan.

Hey Everyone, I had a strange occurrence about signing up for term life insurance. Zander scheduled a person to come out to my home to draw blood from me, despite me telling them that I would like to come out to one of their affiliated locations. When I declined the offer a second time, I left a message for Zander, who did not call me back. Next, I reach out to Zander again and the agent tells me that they would like to make it more convenient for me, as they do not have locations nearby. Turns out, they have a location 10 minutes away, as ExamOne is affiliated with Quest Diagnostics. When I call them, they are strangely indifferent on the phone and are telling me that they will do a full 45 minute physical. When I asked if the results will be shared with my primary physician, they do not give me a straight up answer. When reading up on it, it seems like they do not even publish the results for the patient online. What are your thoughts?

I pay my Home Insurance through my Mortgage Bill every month from there my lender pays my Home Insurance. For the second year in a row they have failed to pay the Insurance company (Progressive). Unfortunately it renews in July and if the payment isn’t remitted by the first from the Mortgage Lender it lapses. My neighborhood goes crazy on the 4th everyone and anyone capable of flicking a bic lights fireworks. Should the payment not be submitted by the first and it lapses; worst case scenario something happens on the 4th would the Lender be responsible for any damages being they failed to pay the insurance bill?

Okay so my cat is almost 2 yo and has no pre-existing conditions, has a primary vet, and is not spayed yet (Plan to, very soon!) I’m looking for a good insurance that covers wellness (mostly blood test and spaying cost?) for the first year and accident&illness for the following years. I have gotten some quotes and is eyeing Odie and MetLife for that, but every insurance seems to have bad reviews, or some would even call them scams. Please provide me some experiences/takes on the insurance you use for your cat, thanks in advance!! This could be really helpful for me ;)) P.S. the reason I want a wellness plan to cover spaying is because there’s no shelter/low cost spaying availability around me and I want to be consistent with my vet :,) my cat went into heat last week and I don’t want this to come back again so really wanna do it sooner.

Trupanion raised by rate by 56% on my dog who is not yet 2. In other words, we've only had the policy for about 1 1/2 years. She continues to be in perfect health too, no claims. What a breech of trust! I've never missed a premium payment.

I was in a non injury auto collision accident with another vehicle. My car sustained much worse damage than the other car. I went to get an estimate at SHOP A and it's $3,000 to fix and only need 4 days. I then filed a claim through my Geico insurance. They say there is no fault on either party so we have to pay through our own coverage. Geico has set me up with their Auto Repair Xpress (ARX) locations. The ARX shop says it may take 2 weeks of back and forth with Geico to get my car back. And I'd need to get my own rental since my insurance doesn't cover rentals. My question is, can I use SHOP A and use Geico? Or do I have to go through ARX? How will Geico determine how much they will pay for if they don't inspect my car?