Hey friends, I got rear-ended while waiting for the highway exit. It is pretty clear the other party is liable. The other car was a Nissan car and is insured by this Infinity Selected Insurance Company. The insurance company acknowledged the liability, looked at the photos of my damage, and just sent me a check. But they also said I can reach out to any bodyshop for repair. I did, and the bodyshop found more damage inside and the repair fee is a lot higher. What to do next then? The bodyshop said they will send the inspection report and photos to the insurance for an increase amount. I also think the bodyshop might be exaggerating a bit regarding their quote. Is this normal practice? What should I do to make sure the insurance don't deny the claim. It's a brand new 2025 car so I don't want to pocket the money. I just want the car to be repaired properly. Any suggestion is highly appreciated. Thanks a lot. \-- Alex PS: I live in Bay Area, CA.

Hi everyone, the title is basically it. I have a marketplace plan starting last year. I signed up for autopay, or so I thought. Turns out not a cent came out after the first payment. There was zero notice. They said they snail mailed me something but I'm in the process of moving and my mail comes to my parents house. Not to mention if I saw something I would have assumed it was a monthly statement and tossed it. They had my email, my phone number, i received multiple emails but not a word about my account. I have a medication I order about once a month that costs around 2-3k without insurance and I'm racking my brain to figure out if it shipped after january. TLDR - bcbs told me that my account is just termed. I cant reactivate and need to contact the marketplace. Does anyone have any advice?

I'm insured with Geico in Texas, with a $1,000 deductible for both collision and comprehensive coverage, and I’m also enrolled in their rental reimbursement program. My car needed repairs, so I took it to the body shop and used Geico’s rental service to get a car from Enterprise. I paid about $50 in taxes and fees with my United MileagePlus Explorer card — Geico covered the rest of the rental. While I was driving the rental, the windshield cracked. Enterprise later sent me a bill for $415. I contacted Geico, but they said they won’t cover it because the damage is below my $1,000 deductible. I also reached out to Chase (the MileagePlus Explorer card issuer), but they said the rental insurance benefit doesn’t apply because I didn’t pay for the entire rental with the card — Geico paid most of it — so they won’t cover it either. So now I’m stuck with the $415 bill. Is there anything I can do here? Has anyone dealt with a similar situation?

I purchased Lemonade insurance for my mother’s dog last year because she thought he was having seizures. However he wasn’t. I put his age as the same as my dog. Because that is what I truly thought it was and he’s actually 8. Back story we “inherited” him and really didn’t know his age so truly was a guess. Anyways fast forward to this past week. He became very ill and has had to spend the last 3+days in the emergency vet cost approx 7k and now I’m have a full blown panic that because the ages don’t align they going to completely null and void my policy and not cover any of his medical bills

Ok, this is absolutely insane to me but coming here to see if anyone has any advice or thinks I'm overreacting. My dog's TLDR background: * almost 2 years old, GSD mix with cattle dog, pit, husky * has been exhibiting some intense anxiety (can't take him on walks) and sensitivity to noises (these send him into a panic) * our trainer noticed he had a head tremor when he was about 5 months old, but my husband and I never noticed it, neither did our first two vets. Our current vet noticed it + an eye tremor about two months ago and recommended we see a neurologist and get an MRI * Thankfully the MRI showed a normal brain but it did show an inner ear infection The MRI was almost $5k. I submitted it to Embrace and they DENIED it because they are saying his inner ear infection is related to his itchy skin that he had when we rescued him at 6 weeks old, and therefore falls under his pre-existing condition. The MRI wasn't to identify the ear infection, that's just something that happened to show up. The MRI was for his brain health to see if we could determine why his behavior has gotten so anxious and he's started showing aggression. I've included screenshots of their "reasoning" and it seems absolutely crazy to me. Has anyone experienced something similar or have advice on how to proceed?

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.

For context, the state is Maryland I live in a rental house and there is a prior resident named Stacy D. (Hiding her last name for privacy). I don’t know this person, other than occasionally getting some of her mail in our mailbox, which leads me to assume she is a prior resident at this unit. This morning, i had new policy documents added to my Progressive policy. They added Stacy D. to my policy as an insured driver, and my rate increased from $140 a month to $580 a month. I also lost some of my discounts, like safe driving discount, because Stacy D. has apparently been in two at fault accidents in the past year. Now I called progressive to remove this person from my policy, and their underwriting says that she can’t be removed unless i have proof of address showing that she doesn’t live here. A few questions: 1. How do i prove that someone (a stranger) doesn’t live here? I don’t have any contact info for her or any way to get her current address. I don’t know this person or have any knowledge about her other than occasionally getting junk mail that is addressed for her. 2. Is there a possibility of me getting any discounts (such as safe driving discount) added back to my account, if I am able to remove this person? 3. Because i live in a rental unit, are there any other steps I can take to prevent prior residents from being added to my policy in the future?

My 14 month old cat has been to the emergency vet twice since we adopted her a year ago. 8 weeks ago she went in for swallowing a button. She had been vomiting all day. Luckily it came out naturally after she spent the day hospitalized with an iv to hydrate her. Last week she started vomiting again. I’ve been traumatized but the fact that she swallowed a button, my best friend’s cat had to have surgery to removed a nerf ball, and my other best friend’s cat had to actually be put down for eating the rubber off of swimming goggles, he had other issues and they didn’t think he would survive the surgery. All this happened since my cat first went in 8 weeks ago. So I probably should have given my cat a few more hours to see if she would stop vomiting. Turns out she had suspected gastritis. Now I’m afraid that we will get dropped from Fetch insurance if I submit the last claim. Should I submit the claim? Will I get into trouble if I don’t submit it?

Hi everyone! I'm looking for some insights on my cat's insurance costs. I've been with Trupanion since my cat was 3 years old, and she is now 7. The premium has been increasing nearly every year, and I'm currently paying $106 per month with 90% coverage and a $0 deductible. She's been relatively healthy overall, just dealing with early-stage osteoporosis, which we're managing with weight loss. Thankfully, no other major health issues. However, the one time I submitted a claim, my vet had to intervene because Trupanion was reluctant to cover costs that were supposedly included under my plan. Given these details, does the price I'm paying seem reasonable? Also, if anyone has suggestions for more affordable insurance options in Canada that still offer reliable coverage, I’d love to hear about them. Thanks for your help!