I was involved in a motor vehicle accident where I hit two other vehicles at an intersection. I live in an “At fault” state and both of the other drivers told the Peace officer that I ran the red light. The officer gave me a citation for running a red light which I will be contesting in court. I gave the officer my proof of insurance card which was expired. Here’s where it gets interesting. The next day I contacted State Farm. State Farm told me that my insurance policy was canceled more than six months ago due to lack of payment. MY HEART SUNK. I canceled my credit card which was on an automatic payment cycle with them. They denied the claim as to be expected. However, I have insurance through Progressive on a secondary car that I literally NEVER DRIVE. But I have full liability coverage through them on a secondary car. My question. Will progressive cover the cost of the accident even if the truck was not on the policy? Will the other insurance companies go after progressive? Would progressive rather cover the cost upfront rather than go into litigation?

Is it even legal for Healthy Paws pet insurance to increase premiums at almost 200% in CA? This is outrageously high!! Anyone experiencing the same? #healthypawspetinsurance

So…I’ve had Nationwide for my Yorkie since I got him. For five years. They paid 90% which I think is exceptional. In fact, they’ve stopped that practice! He’s had pancreatitis twice, allergies and other expensive issues. Today I received a notice I was being cancelled. I feared it as the bills have been very high. My question is…Now What?? What recommendations do you have? Will a new company accept pre existing conditions? Who pays out the best and the fastest? I appreciate all thoughts! TIA

Has anyone successfully moved their IRA from Inspira to Vanguard with an "in kind" transfer? It's impossible to reach anyone via phone at Inspira for help!

Hi everyone, I am posting here because I have had a very frustrating experience with my auto insurance with statefarm and am looking for some advice. I am currently a graduate student in Florida so things can be a little difficult when it comes to have to budget with this huge bill I have now. Basically I have had statefarm since August of 2024 and the first 6 months of premium was fine, I paid all my bills on time and when it came to January 2025 when my new auto premium renewed I had increased slightly my premium but the difference in my monthly payments were around the same due to the discounts I got. Then somewhere in February I found out I had been dropped from the insurance due to a balance of a surcharge for policy change that I did not pay for. They then dropped me without notifying me so I found this out a little later. Throughout the few months from February from when I found out I was dropped to July (when the 6 months premium ends), I have been trying to reinstate my auto insurance back because I feel a little anxious driving in Florida without having an insurance active. The insurance agent office was super hard to reach, I had to re-explain my situation multiple times because the person most involved with my case was never available to talk, and they always said that they are working on it and that my insurance is still active and will get back to me regarding the balance/bills which they never did. I had to keep following up and finally in June-July ish, they had my policy reinstated. But now I have this giant bill where I have to pay both the remaining balance and the new insurance premium monthly. The insurance agent told me that the remaining balance was about $380 spread over 3 months and I had paid for the first installment already so I should have 2 more months of whatever was remaining of $380. After that first payment, I decided to switch over to another insurance agent because of their lack of communication and how long they took to process things. I think this was my mistake then because after switching over, the new insurance agent said that my remaining balance was about $500 remaining still even after the first payment that I have made towards the remaining balance. Now because of this issue, I have to be paying $300 per month (remaining balance spread over a few months + current insurance premium for the month) and I feel like my previous insurance agent had screwed me over? Is my only option is to just suck it up and pay the $500 like they said? I am just very upset because they also never have apologized to me and made me feel like I was at fault as well. I tried to switch over to another insurance company but I have not been getting better rates (car insurance is ridiculously expensive in Florida) and I rarely drive (last 6 months I have only driven 2300 miles) and I have to be paying an enormous amount ($128 per month) for me to be barely driving.

I have auto through the lizard. Long story, so I apologize in advance. In May, I bought a new car, and wanted to add my husband and the new car so we would all be on one policy. I didn’t know that I wasn’t supposed to cancel my policy and make a new one, but that’s what ended up happening. I called them and asked if they could reinstate my old policy and add the 2. A supervisor got the approval to do it and transferred me to a lady in a department I’m not sure of. That lady told me I should keep the new policy because it is cheaper. I asked if both policies were exactly the same. She went line by line and confirmed they both had the same coverage. I asked why the new policy was cheaper if they were exactly the same. She told a story about how each policy is owned by different companies and they set their own rules of how they want to handle it. I said, well if you’re saying they’re exactly the same, I guess I’ll keep the new one then but only because you confirmed they were the same coverage. She was typing the whole time and said she was writing the notes in an email. Fast forward to July, the first car (not the new one) got struck by lightning and I tried to file a claim. They told me I didn’t have comprehensive or collision and refused to help. I tried having supervisors try to locate the recording of the phone call with that lady, or find an email or transcript that showed the full conversation. They are saying it doesn’t exist, and there is no recording of it at all. If they could find it, they could retroactively fix the comprehensive and I could continue with the claim. Supervisors also have said that manager level and above calls don’t get recorded. Is there anything I can do at this point? I know they record everything, but they are saying it doesn’t exist. I don’t know what else I can do.

Hi all, I'm trying to figure out the best way to proceed with insurance as my policies are set to renew in about three weeks. I have Allstate for both auto and home insurance, and I get a $300 discount on both the auto and home premiums as a result. My home insurance for this coming year (12 month rate) is set to be $2270 - when I looked online and talked to a couple of agencies, the lowest I got was \~$2800 with some of those quotes going well into 3k and even 4k. I'm not sure why my home insurance rate with Allstate is so good comparatively to other agencies, though the discount section does mention responsible payments (haven't missed any mortgage payments) contributing to a $600 bonus, and a loyalty bonus of $250. On the other hand, my auto insurance rates are way higher than anything I'm being quoted on. My rate for the next 6 months of auto insurance is $1262 for a 2021 Subaru Forester. As far as classification goes, I'm 26, male, and married. I've had a single accident just under 5 years ago (late 2020 - minor bump to the car in front of me, and I was the at fault driver). Upon doing quotes with other agencies using the exact same deductibles/coverage amounts, I got anywhere from $770 (from a local independent agent) to just under $1000. I'm trying to determine if it's worth swapping to another agency for cheaper car insurance, but I'd lose my bundle discount and the convenience of handling all of my insurance from one place, with one agent. Would y'all say it would be better to stick with Allstate, or should I try and pursue a better auto policy?

So I canceled my health insurance with ambetter on 3/22/2025 and i got charged agian for April. I called twice and asked if there was any way that they could refund the money they stole for that one month and they of course said that they didn't charge me and that im crazy. I have the bank statement and the cancelation form. Who do I go to to report this and how do I get my money back?

Hello, I have a few questions how to handle my PCP or Labcorp messing up with my insurance details. I had a bloodwork taken at my primary care and apparently they sent it to Labcorp. But Labcorp billed my insurance with the incorrect details apparently - my name and Member ID, group number are wrong. I got a mail in Feb asking for insurance details but the return address was not online on their website, so I thought it was phishing. I called the Billing department and asked them if they needed my insurance details, and they said "it is pending with insurance and there is nothing you have to do but wait". I don't have this call recorded. Today I got the invoice number and it says the below: "Reason for Bill: We attempted to file a claim with insurance. According to BLUES NJ: HORIZON BCBS, the patient name or subscriber number did not match their records. This balance is now the patient responsibility" I don't want this to impact my credit score but I don't want to pay $1000 since my PCP or they made mistake that I had nothing to do with. I will call them tomorrow morning but I have a few questions. 1. Since they dumped the responsibility on me, can I sort of force them to refile with insurance? What do I do if they refuse? 2. How long generally do I have to sort this out (not paying) so it doesn't impact me. Thank you for taking the time to read this. I'm just pretty pissed right now so apologies if I sound rude.

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