My father died and we are in process of cleaning and getting ready for resale in Illinois. I called State Farm and explained they told me the renewal in October may be subject to non renewal. And said to add a vacancy clause will be very expensive. Should I shop Around now or wait? I am executor. What happens to utilities if house isn’t insured? Someone told me they get turned off.

So I recieved notice today that Statefarm is canceling my insurance because of three accidents going back to 2022. Two were not my fault, I was rear-ended in both. Is this typical? What insurance company you recommend? TIA!

Now paying $500.94 every 6 months for our 5 year old goldendoodle. We have minimal claims in the past year. Went up significantly this year. Does this sound right around everyone else? We feel like this is a lot to pay but nervous to go down on our coverage in case of an emergency.

I have been paying for Embrace Pet Insurance for nearly a year. I submitted a claim recently and apparently I was supposed to get my dogs an exam BEFORE the policy began. The dogs had an exam 16 days after the policy began. Now they are refusing to pay claims despite the fact that they happily took my money for the last year. These people are scammers. Beware!

Hello. I have mapfre insurance. I had a minor accident 2 weeks ago and submitted a claim on March 27th. They had me take pics of the damage(front bumper damage) I got my estimate from their electronic appraisal. I dropped off the car at an in network shop on Sunday, March 31st. That Monday the shop submitted a supplemental appraisal to have someone to check the car to approve more funds to get the car fixed from insurance. Since then there has not been an appraiser to come check my car at the shop. It’s been a week and it’s beginning to get frustrating. I was told many different stories on when an appraiser will come up until on Thursday an appraiser told me there was an issue in their system that prevented them from assigning an appraiser. I was told this past Friday that one has been assigned and will call the shop to schedule an appointment. The damage is minimal and the shop can fix the car in 2 days but can’t proceed without insurance. What are my options to make sure they have someone come on Monday? I’ve been without a car for a week and it’s been difficult to get around. Would love some advice on this issue!

I was rear-ended in late January by a driver insured by Maryland Auto Insurance. I filed a claim with my insurance company (Progressive) who deemed that the other party was liable for damages. I reached out to both the other insured and MD Auto Insurance, and was given the run around for over a month— with MD Auto Insurance saying that their insured had not been returning their calls and the other party stating that MD Auto Insurance was not answering their calls. Progressive got involved and tried to call MD Auto Insurance 2x after I basically begged them to, and they weren’t able to reach them and gave up. I consulted some lawyers online to see if I had a case, and they all recommended using my insurance (i.e. paying my $750 deductible for the damages, Progressive paying the rest and having Progressive attempt to get my money back through subrogation). I spoke with Progressive who said that not all subrogation attempts are successful, and that they most often aren’t… meaning that my desuctible would just be lost completely. I ended up going that route because the damage on my car was such an eye sore. I paid $750 and Progrssive ended up paying $761 (total cost of repair was ~$1,500. The repairs were completely last week. Today, I received an ~$1,800 check from MD Auto Insurance for the damages to my car. They did not call me at all to accept liability or tell me that they were mailing a check. So now, I have an $1,800 check to cover the damages though the car has already been fixed and I have paid my deductible. Should I tell Progressive about this check or should I just cash it without telling them? To be honest, Progressive really pissed me off when they wouldn’t assist me in talking to MD Auto… they called twice and gave up so easily while I called multiple times a day for weeks. I’m afraid however that in the subrogation process, MD Auto Insurance will tell Progressive and then MD Auto will adjust the amount (they estimated $1,800 in damages, but the repair was actually $1,500), and I will lost that extra $300. Other possibility is that the subrogation process will fail because MD Auto rarely answers the phone and has such a long and terrible phone system, and Progressive would close the case and I would be allowed to keep the money in total. What should I do? TLDR: I was rear ended, other party gave me the run around to avoid liability, my insurance paid (after I paid a $750 deductible), and I just received a check from the other parties insurance. Do I let my insurance know?

I need some opinions on what to do. This is an odd situation. In past “pay up front cash” dental visits, the dentist offices, with a week or two, returned to me the covered expense/reimbursement from Blue Cross after they submitted the claim. However, this time, I went to an oral surgeon bc I needed a molar extraction that was complicated. I paid $1800 up front on credit card no problem. I would’ve paid double that with all the pain. About a week later I saw that I was covered for ~ $500 on the claim. A check was sent to oral surgeon’s office. When I called them they told me they were processing it and to be patient. This was a couple MONTHS ago. I last called on Monday 7/21 and was literally told, “check’s in the mail”. That’s pretty funny, especially since it is now Friday night and, of course, no check. Something quite fishy about this. I wonder if Blue Cross can do something. I’m interested in thoughts on this. TIA!

This has happened twice now where I have received my EOB in the mail, panic because it says I owe several hundred dollars still, and then when I check my billing with my dentist it says that insurance has covered everything and I don't owe anything other than what I paid the day of my visit. If the office isn't billing me anything extra, then I'm fine right? Is my dentist just good at negotiating with Delta Dental?

I got pet insurance on each of my dogs when I got them. The second dog got a better, more budget-friendly policy thanks to the benefit of time and experience on my part. The first dog, however, is the medical problem one. The past few years we have barely hit our $500 deductible, but his plan was renewed today for 2025, and we will be hitting the deductible tomorrow due to a scheduled appointment. A few months back I got a rate increase notification from Fetch (0/10 do not recommend btw). That was fine, but what I didn't realize is that his $600/yr insurance jumped to **$1,000/year**, which was a SUPER fun surprise to my bank account this morning, especially when I budgeted six hundred into a very tight and aggressively paying down debt budget. My first reaction was eff this, cancel it. My second reaction was remembering this dog is set for roughly $700 in sedated arthritis x-rays and a biopsy of a potentially cancerous growth TOMORROW. We can't get any coverage in time if we switched today, can't really reschedule the appointment, it needs to be done soon, and his bad hips and allergies would already be considered pre-existing conditions. I don't have an emergency fund built up for the dogs, I wasn't making enough money last year, and ate down my savings. This dog is already going on prescription food, daily joint supplements, and needs to be taken swimming for his unofficial physical therapy (mutts aren't always healthier FYI). Talk me off the ledge here, this $1,000 is still worth it right? Do we eat the cost for this year and reevaluate next year depending on how this one goes? [Said spendy canine for tax](https://www.instagram.com/p/C-DrCPfv7K0/).

Hi! I’ll get right into it- I adopted my dog in 2021 at age 3 and got her pet insurance immediately at around $20 per month initially. The price has gone up as she aged and is around $55 per month now (she is 6 almost 7). I moved in the last few months ~10 miles away from my old apartment but still go to my same vet and have not had any significant changes otherwise. I called the pet insurance to change my address and they quoted me $139 for the same coverage I have just because I moved. Since I have been with the pet insurance a while, I feel like they just redid my quote as though I was a new customer and that’s why it’s so expensive. For nearly triple the price I’m not willing to keep the insurance but wondering if I have any rights here or this could be escalated further? I really like my pet insurance but feel that this is outrageous especially since I have not moved that far and still go to the same vet so I don’t see how it would make that much of a difference to them. More details- I have MetLife pet insurance. I live in Saint Petersburg, FL (moved from downtown to north st Pete and my zip code changed). I also moved from an apartment to a townhouse. Thanks in advance! Edit to add: no preexisting conditions except allergies (she gets a shot every 3-4 months) and nothing new that would have contributed to the price change.