Had anyone else had a sudden very large increase on their auto insurance premium? I've had allstate for 1.5 years now, and it suddenly jumped up by over $100 a month with no changes. This seems to big a hike to just be rising insurance costs. Has anyone had a big increase as well? Or suggestions for what to do? I can never seem to get an answer from Allstate. One customer service person told me that Florida was having storms and this impacts insurance prices (I don't live in Florida). I'm thinking about just changing insurance companies :(

State Farm is discontinuing the policy for my 3-unit multifamily rental property. My umbrella policy is also with State Farm. My agent told me umbrella will cover the rental property if a new policy I find is A-rated (i.e. by AM best, JD power, etc) and underlying liability limit of $500k is purchased. Is it really true that the new policy for my rental property must be an A-rated insurer? What if it is less than an A-rating or not even rated at all? Insurance is insurance, isn't it? It is becoming extremely difficult to find a good, quality top-rated insurer that will write a new policy for rental property (building) that is 70 years old.

I have had a policy with lemonade for nearly 2 years now. They have been pretty decent about instantly approving a claim but my first one was denied a year ago due to a preexisting condition they swore up and down was listed in my dog’s history, that wasn’t. After a denial and appeal, it was still denied. I ended up dropping the fight with them on it. Now, my dog has a cyst that is needing removal now, but was discovered before I put him on insurance but the vet has deemed it needing to be removed now - then, they weren’t worried about it. It is mentioned in his health history with the vet, so I fear they will label this a preexisting condition as well. But lemonade told me via phone that they would do a reapproval, but after sending in the estimate - I was met with this.. can someone help me understand why the value of the estimate matters more than the type of service requested to be approved? The estimate is $1,306. I’m so PO rn. The estimate literally says it is for a surgery. I would understand if it was a normal appointment and under 3.5k.. Like I literally do not have the funds to do the surgery without knowing I won’t get reimbursed. Is this normal with other carriers?? 🙃

HI, guys! I never posted on Reddit, need your advice badly...A few years ago I signed up with Merrill Edge IRA, because I was with Bank of America. They were very pursvasive how great it is to have 401K with them. I rolled over some 401K money from my previous jobs, opned account. In the beginning I was contributing certain amount per month automatically, then started to get calls about needing to login, verufy my info ect. I called them last year and verified, my info is correct (home address and work address). I was filing taxes this year and tax person asked me if I contributed to my personal IRA, because it would help with my return. I decided to verify with Merrill Edge, loged in to my account and the nightmare started. I found out YESTERDAY they CLOSED my account back in January this year (no notification received), and issued a check with all my savings also hit me with early withdraw fine. They send check to my WORK instead of home address (???). Mind you my work is a large hospital, and address was provided as a generic, not addressed to accounting, HR, or specific person. When I called Merrill Edge, they first said they will cancel the payment on this check and will issue another. Next phone called I was told by Merrill my check was "cashed" at PNC bank (I have no account there), on certain date in March this year. By WHO???? My guess would be someone opened a letter from them at my work, saw the check and somehow chased/deposited it. But how this person could do this without ID? I dont even know what particular branch of PNC it was cashed, and PNC doesnt want to talk to me. I am shocked...It was substantial amount of money, I dont even know what to begin with. Lawer? Police? Pls help with advise!!

I was on the freeway heading out to go camping. I was going 0 mph. The van behind did not stop and smashed into me between 20-30 mph. I have a rear camera on my truck that showed him looking at his phone. I also recorded as soon as I got out of the car of him admiting to not stopping. My car insurance (GEICO) gave me the option to go through them or the person that hit me. The van was a Xerox van. Their insurance is called American Way. I called them the day of and gave the police report. They said they use a 3rd party called Sedgwick. I paid 30k for my truck less than a year ago. 10k of that was because of all the add ons. The other insurance company said I have to wait 5 days. The rear of the frame on my truck is facing the ground. I’m not sure about the rest of the frame. Most of the people I’ve talked to said they will probably total it. I’ve also retained an attorney in my area for bodily injury. I work from home but, can’t sit at my desk for more than an hour. I’ve been seeing a chiropractor today and retained the attorney today. They said it will likely take 6-9 months and would settle between 20-40k. This is only for medical. Does this seem normal? Will I be able to recoup the loss on my truck for the extra 10k ? It KBB blue books for around 20k but, I paid 30k. I also had my Yakima box on the back and paddleboard which were destroyed. My own insurance said even if I use them for the truck I will still have to use the other insurance to recover the loss on my things that were destroyed and if they repair my truck for finished value. After 20 years of driving I’d never had a fender bender. Should I just go ahead and use my own insurance? Sorry for the rant.

Windshield claim, Progressive. Hailstorms for days. Deductible: $2000 Vehicle: Toyota rav4 2020 Progressive claims person asked do I want to get paid $2000 or pay for the windshield repair and have them pay the rest? I haven't had to repair a windshield before. I didn't know what to choose. Haven't gotten a quote but I don't think it'll cost 2k? I didn't even know there would be choosing. So before I do next step, adjuster etc: What... exactly am I supposed to do here? (I am feeling... cyberpunk dystopia atm)

I’m thinking about getting MetLife pet insurance for my dog and wanna know if it’s actually worth it. I’ve seen they cover stuff like vaccines, dental cleanings, flea/tick meds and give about 80% back after a $250 deductible. The price seems okay too. But I’ve also heard some people had their claims denied for weird reasons (like needing medical records from before they adopted their dog which makes no sense). So I’m kinda torn. Would really appreciate honest opinions. Thanks.

Hi all, thanks in advance for reading this. My situation is this: I’ve started a new job that had 3 options for health insurance. All were blue cross blue shield. 1 option was no hsa but in and out of network coverage. 2 options had hsa’s but one had in and out of network coverage and the other didn’t. I figured I’d get the was with a hsa and no out of network coverage. BCBS is very common where I live and figured no issues. Well, my son had to have surgery but before hand, we gave our new insurance to all the doctors and they said they accepted it with no problems. After the surgery, we received a $16,000 bill with a statement saying all procedures are not covered because we didn’t use in network doctors. So I make some calls and come to find out the nearest doctor or hospital that is in network is 2 hours away! Nothing around me is in network!? BCBS told me I should have chosen the insurance plan with hsa and out of network coverage. I have a 18 month old and a wife. I can’t wait till open enrollment to change health plans… what do I do?

Hiya, I adopted a kitty from my local shelter a few days ago knowing he has gingivitis and needs a dental cleaning and possible extractions which I will cover out of pocket. The more I dig into the plan the shelter pushed through Fetch, the more I’m realizing Fetch feels like an elaborate scam. I’m looking at switching to Spot as it’s one of the companies that claims they will cover curable pre-existing conditions if there’s been no occurrence/need for treatment for 180 days. Has anyone gone through this with Spot and can you confirm that they did start covering a condition after that 180 day period, or did they find a way out of it? Any other companies you would recommend that are good for this? He’s only a year old, the vet is hopeful we can get it fully treated and cured but of course there’s no way of knowing for sure.