I currently have Erie no recent accidents or traffic violations. I did switch to an EV which I guess triggered the recent price increases. My annual premium went from $925 to over $1700 for 2 vehicles. I did a quote at progressive direct and the annual price is about $500 less with the same coverages except I didn't include the accident forgiveness or deductible savings bank. Is it a really bad decision to switch from Erie to Progressive? The monthly price option for the two actually saves me about $720/year. Am I missing something that I'm overlooking?

To start, I must say I am very familiar with contractual language, terms, etc. With that being said, I specifically combed through multiple providers agreements to ensure I'd have coverage for specific events. MetLife has denied all of my claims & appeals for of course, it having been a preexisting condition. That in itself is hilarious - during an annual checkup my vet and I were discussing how she's been and I mentioned a little sleepy that week but so was I and they diagnosed her with "lethargy". Either way, unless reviewing their policy certain tests and medications would appear to be included under coverage regardless. It's difficult to give specifics over Reddit, but I figured someone may be able to direct me on how to pursue this further.

So basically, I left a complex a month before my lease was up because we bought a house. The complex was aware we were leaving before the lease was up. Upon leaving, we knew we would be billed for carpet and we made them aware our renter’s insurance would issue a check to cover majority of the balance and we would cover the remainder. Well, my renter’s insurance issued a check and they sent the entire balance to collections like within a week of the check being issued. They stated they never received the first check after I escalated the issue to their district office. The insurance company issued a second check. They apparently never received that one either. Insurance company ended up issuing payment directly to me so I could get the balance settled. Payment was put in their hand February 18th. I got a notification this morning that they reported the entire balance to collections as paid. The district manager stated that she halted the collections process and was working with me for getting payment settled. I emailed her this morning about the collection reported. Is there anything I can/need to do legally? I’m just frustrated because it feels like they deliberately tossed the checks and reported the balance to collections because they’ve done the same thing to previous renters. I just want to know if there’s anything i need to do to pursue them legally or if contacting the credit bureau is the easiest solution.

For those of you with Pets Best, how long does it usually take for them to finish reviewing a claim? I feel like they are taking forever lately.

My son has two insurance policies, one with me and one with his Dad. Both plans are with BCBS. Dr office called to tell me they can't run the claim because BCBS website is showing that he is inactive on Dads plan. Dad says plan should be fine. So no idea why the Dr office is seeing that. I asked if they could just run it under mine and they sad it won't work because Dads plan is inactive and the my plan won't pay until it's resolved. This doesn't make sense to me. Why would it not process with my plan just because Dad's plan is inactive? Wouldn't this be the same as my son only having one insurance plan now and run it without the secondary attached? Can someone break this down for me?

This is my first rodeo with homeowner’s insurance (Liberty Mutual) and it’s a nightmare. Looking for advice on how to proceed. The backstory is that a local company installed a new appliance in my home and bungled it. Their mistake caused some water damage to my kitchen and major damage in the finished room directly below. The appliance company gave information for their insurer, but when the initial water remediation was done and uncovered the extent of the damage, I filed a homeowner’s insurance claim instead and figured they would subrogate. I currently have a wall in my kitchen down to the studs with some cabinet boxes, trim, and the dishwasher removed and sitting in my sunroom. The counter is being held up by a piece of scrap wood. There are some minor signs of gapping in the hardwood floor that is usually hidden from view, so I’m hoping to let it ride. Meanwhile the room beneath the kitchen is uninhabitable. One wall is down to the studs with no insulation (exterior wall), LVP flooring removed, and holes in the ceiling from water remediation equipment. I received a repair estimate from a local contractor for $25k (HCOL area, home value approaching $1mil). This includes insulation, sheet rock, plaster, paint, baseboards and trim, ceiling repair, LVP flooring downstairs to replace what was there, reinstall of existing cabinet boxes, and plumbing. It does not include new cabinets or counters. My claim with Liberty has been in process for 8 weeks and a field adjuster came out 2 weeks ago with radio silence since then. The contractor has also been contacting Liberty for updates. Liberty called today and said the field adjuster calculated $700 to repair the kitchen and $2300 to repair downstairs for a total of $3k. I understand it’s an initial offer and figured I won’t come out of this without burning cash of my own, but it doesn’t cover the cost of materials let alone labor. And there’s not even a guarantee that my custom cabinets and counters will come out the other side looking the same. What do I do from here? Do I eat $20k up front and turn around and sue the appliance company to be made whole? I thought that was why I had homeowner’s insurance but this is a real nightmare. And to top it off I’ll be adding a newborn to the mix in less than 8 weeks with my house in shambles and no dishwasher (first world problems, I know).

I have an emotional support dog and he helps support me with my panic disorder everyday!! I know some people think dog insurance is a joke, but I’m disabled (for physical reasons) and want to be more prepared/protected with pet insurance so I won’t be stuck with a giant bill with a budget income. (Yes, I understand you have to pay it all upfront at the first before you see any money back from insurance.) Would love to hear some decently priced options for mostly full coverage! I have MetLife, but thought I’d ask for recommendations before I switch because $90/month isn’t exactly budget friendly for me 😕 Thanks for making it this far!! 😎👍🏻

I originally signed up for the Chase $900 bonus approximately 18 months ago, but didn't end up depositing any money into either the checking or savings accounts (ended up not having enough liquidity at the time due to unexpected events). They ended up closing both accounts after 30 days with a $0 balance on both. I confirmed this with a Chase representative on the phone. However, he claimed I was not eligible even though I would appear to technically meet the eligibility criteria (account not closed in the last 90 days; no accounts closed with negative balance in the last 3 years; only allowed to receive one new checking and one new savings account opening bonus every two years from the last coupon enrollment date and only one bonus per account). He claimed that I had closed my account too recently, even though the plain text of the offer would seem to suggest otherwise. Has anyone had any experience with a situation like this? Is there something else I'm missing here as to why I might not be eligible? Will Chase let me know whether I am eligible or not when I open the accounts? Or do I only find out when I end up receiving (or not receiving) the bonuses? Thanks in advance for any advice.

I've been a loyal Farmers/Foremost customer for 10 years, claim free. But when I had interior drywall damage, they wouldn't cover anywhere near the cost of the repairs. I gathered three quotes, but the Farmers Rep said they were all "unreasonable" and suggested I keep looking for cheaper options. My rep told me he basically punches numbers into a computer, and that spits out the estimate. He doesn't actually talk to contractors, just does "what the computer tells him". Anyone else experienced something similar with Farmers or other insurance companies? If so, open to sharing about it?

Hi there. Last year in April 2024 I bought small business insurance through Chubb because a client job required it. I paid the annual amount in full at the start. When the year was up in 2025, I didn't renew. They sent multiple bills and I didn't respond because my client was vacillating about continuing the project and I didn't want to spend the money if I didn't need to. Then they sent a notice saying that the policy was canceled, which I expected given I had not paid. But they kept sending bills and emails and it was annoying so eventually I replied that I was not intending to renew, I understood the policy had expired, and if I decided to re-insure, I would be in touch. All of a sudden they came back with a new amount for "earned premium" from the time the policy was canceled for non payment until the time I told them I wasn't planning to renew. Is this standard and normal? To be clear, I paid the full annual amount up front, and just didn't renew the policy by paying for a second year. Their explanation: We apologize for any confusion. There appears to have been a ceding issue on the non-payment cancellation. Therefore, the cancellation effective date is 6/4/2025. The earned premium is the premium amount from the coverage effect date of 4/2/2025 to the cancellation date since the policy cancelled due to non-payment. Can someone advise if this is normal? It's not a huge amount and I can suck it up, but it feels crooked to me because I presume if I had tried to make a claim after the first year was up without having paid, they would not have covered me.