I’m not having a good experience with Pet’s Best. Started my policy in November for a 3yr old rescue. It has been about 4 weeks since I submitted my last claim. Emails came saying they’ve reached out to (wrong vet) for medical records. I call my vet and they get emailed to PB within minutes. Today I get another email asking for my help. I forward the same email from my vet to them. Then sign in to see they have all the medical records and have labeled them “valid”. It’s almost like they’re holding off until I get charged for another month. Meanwhile, they reimbursed for hookworm medication within a week of submitting the claim. That was my latest claim.

So, I bought a car (my first ever car beside what was passed down to me) in Dec 2024, mind you I'm not a very materialistic guy when it comes to cars, so year did not mean much to me. The reason I bought the car was that my 74 chevy deluxe gave out and I needed a car asap for work. I am 24, My credit score at the time was a 686 and is slowly going higher. With no cosigner, my age, credit and job that makes me 40k yearly I figured APR would be a bit high but not this high especially for the car I received. Now for the car loan info:2007 corolla 56k miles at $11k Total car loan was I believe 20k for the 72 months The interest rate is 24.10% (prior to signing anything the salesmen stated it was only 12%, I should have read more but I was over the lengthy session, Lesson learned sadly) The loan is through AmericanCreditAcceptance. Anything with American, I know I am being screwed potentially. As the guy was shining through my foolishness, he stated I could have refinanced withing 4-6 mths after purchase if i wanted to but fear of looking more foolish is preventing me to do so. Should I be looking to refinance, and if so, how do I go about doing that? [A](https://www.reddit.com/r/personalfinance/?f=flair_name%3A%22Auto%22)

Today our new 2025 rav4 got rear ended by a driver. It has 5000 miles on it and we just took it to get its first oil change and were given a coupon for free carwashes for a year. Decided to get a wash once we were done. The carwash place is one with a conveyor belt type of thing that brings the car forward. The signs said to go into neutral and let the belt do everything so we did. Suddenly we get banged from the car behind us. The worker at the carwash stopped everything and said multiple times it was the driver behind us at fault. She didn't go into neutral and instead stayed in drive and accelerated, causing her to "jump" the grooves on the belt and hit us. She kept saying she had no idea what happened. Our car isn't seriously damaged from what we can tell, the back bumper will need replacing and above that is dented. The other driver's car was fine, go figure. I did ask the witness/employee at the carwash for his name and if he had footage. He said the corporate office would have it. I do have a front dash cam that doesn't really show much but you can hear a loud boom from the impact. I'm hoping and praying my insurance company can see it wasn't our fault. I know we have to get everything repaired before worrying about a diminished value claim. I'm just wondering how this will all work. We exchanged insurance info and we both have geico. I submitted the claim but how will all this work with trying to get a diminished value claim? Will geico just say no since they're kind of "going against" their own company to try to recoup our loss? Sorry I just don't understand what to do.

My insurer (Admiral) got in touch with me late last week advising me of a claim on my account that I needed to check. Unfortunately I was on holiday so have only had a chance to look into it today. However, I haven't been involved in any incidents at all - ever. I've never hit another car, had an accident, or been involved in a crash. My car has zero damage, no bumps or scrapes, even the paintwork is pristine (I use it infrequently) I've never once claimed on insurance, or even needed to. I checked the claim date and I happened to be travelling to London and back that day from Birmingham for work (my once in a lifetime trip, last minute so couldn't catch a train conveniently). I can say for sure that I wasn't involved in an incident that day as I spent it all either on a motorway or parked at a hotel attending a conference. The claim itself has no information attached for me to refute. I haven't had a chance to call them yet (it's on my to-do list for later today) but have emailed them asking for more information/clarity. What do I do from here? I'm confused, surprised, frustrated, and very worried that it's going to affect my insurance or future costs. Is it a fraudulent claim, or have I been claimed against in error? Any advice is much appreciate :)

A couple weeks back I was moving into my new apartment complex, and had the door on my vehicle cracked open while I went inside to move what I was carrying before coming back out. While inside my apartment building, I received a call from the office telling me someone had hit my car. I went down to the parking lot and a man was waiting next to his truck for me. He claimed the wind had blown my door open while he was backing into the space, and that he had looked at his camera and it was closed and then he started backing up and heard it crack. The door is off its hinge, and the corner is folded over... it still shuts but it will most likely need a new door. He profusely apologized and gave me all his insurance info and contact information. His agent calls back after I file the claim (Erie), and tells me that they will not be covering the claim and that my insurance would be responsible because the wind blew it open and "there's no way he could have looked at all his mirrors 100% of the time, and its you're fault for leaving the door cracked, allowing it to blow open into his path". Since sentry mode was off ( I have a model 3), and my apartment's surveillance camera was down at the time, there is no way to show if the door was already open or had blown open. My insurance deductible is $1,000 and I don't have that at all right now. Also if I choose to do that, I'll spike my insurance for the next 2 yrs of my lease. Do I go to a lawyer?? I don't even know if I can afford one. I have no clue what to do, and I feel like my only option is to wait 2 years and hopefully fix it out of pocket before my lease ends.... but then I would be out 2/3k for a new door. Someone help me out here....what do I do?

Just switched to an android from iphone and when my battery gets low to 15 percent, I get a notification from the Plymouth Rock App that "Trip recording is suspended." It also says low battery is preventing Plymouth Rock from recording trips, this is genuinely scary as I never set up anything with them to record my trips. I gave them a call and they said that my account doesn't have it set up so they're not sure why. Anyone have an idea why it would say that?

I am looking to start renting my home in July when I move out of the country. I'm very confused on landlord insurance, though, and would love some help understanding it. Everything on Google says landlord insurance should be cheaper than homeowners insurance since they don't cover the personal property, but from my one quote so far from Allstate it's also looking like they don't cover the actual property either. What is $66,500 going to do for me if my house burns down or gets sucked up in a tornado? (Quote at the bottom) It just doesn't seem logical to me. The lady on the phone said something about requiring renters insurance and that THAT would cover the rest of the property should something happen, but is that true? I am a worrier beyond worrier, and want to make sure everything is protected, especially since I'll be in a different country. Could anyone help me understand what I should be looking for/asking for/quoting for? And what should I be requiring for the renters insurance? I have an insurance broker getting me more quotes at the moment. I just don't want to make the wrong decision and end up getting 1/3 of my remaining mortgage should something happen to the house. 😩 My 1 quote so far: Dwelling Protection $66,500 Premium: $1,390.47 Liability Protection $200,000 per occurrence Premium: $15.00 Premises Medical Protection $5,000 each person Premium: $9.00 Personal Property Protection $5,000 Premium: $5.03 Other Structures Protection $6,650 Premium: Included Fair Rental Income Selected Premium: Included DEDUCTIBLES All Peril Deductible $1,000.00 Estimated Total 12-Month Premium* $1,419.50

August 2017: $60.12 August 2019: $66.28 to $77.07 August 2020: $69.88 to $104.82 (50% increase) August 2021: $104.82 to $154.99 (48% increase) August 2022: $154.99 to $191.33 (23% increase) August 2023: $191.33 to $229.59 (20% increase) August 2024: $229.59 to $287.03 (25% increase) August 2025: $287.03 to $828.97 (189% increase)

I bought a almost new used camry and i almost got into a huge wreck this last weekend, pretty much I was fishing and this drunk idiot sideswiped my friends car with his boat while pushing his empty trailer nearly off the cliff towards the river, thankfully the hitch stayed locked in we were able to drive it to safety minus scratches either way they exchanged information. Afterwards, we were talking about it. I still owe almost 30k for my brand new camry even if I didn't notice who the driver was Would there be any way that gap would cover my car if it were to have fallen or got heavly damaged due to the small cliff? I.had previous vandalism to my car last year and it was a headache through insurance