I’ve tried meds and special bland food and the dog is still scratching excessively. I got a quote for testing at like $1500 plus a $300 consultation fee. Was wondering if anyone knows if this is covered. When I called nationwide they were very vague, saying it depends and they can’t guarantee if it’s covered. Smh

My car was parked and hit by an amazon delivery truck. They were delivering packages to either my apartment or one next door. He side swiped my car leaving the parking lot. Luckily a person saw and tried to flag him down and he sped off and drove off. The witness then reported it to my apartment management who got the video footage from their surveillance cameras. I have the photos of the amazon truck hitting my car, a clear view of his license plate, a witness, and a police report (although the policeman said he couldnt read the state on the plate but i figured that out later and gave it to my insurance so it might not be in the report). I called amazon and got two different reps who barely spoke english. I ended up calling my insurance (state farm) and they were great and said i should do a claim as typically this doesnt affect premiums. After i initiated the claim last week, yesterday i finally got a call back from amazon who said a rep from ARC, their dedicated claims (third party?) company, would reach out next week. I researched ARC and all the reviews are awful. Everyone says they lowball you and take months to settle. Should i just go through with the claim with state farm? I havent gotten any estimates yet. And my rep for state farm said this would likely not raise my rates. But im guessing the fix will be several thousand for a new fender and bumper and maybe wheel rim. I havent had a claim in 10 years and felt good about that, but just wanna make sure im not doing this wrong. Thanks.

Hey My dog and I are moving to NYC this fall. She's a 3 year old spayed beagle. I did some research and lemonade was suppose to be the cheapest option but they are quoting me 107 dollars per month for a 80% deductible! What is happening? Any other options for pet insurance? I was hoping to be under 25 dollars per month for my pet so that I can put another 15 towards renters insurance. I am a student for the next year and a half so I wanted to be careful with money just for the next year and a half. Any help will be appreciated ! Edit 1: you guys have been so helpful with such amazing suggestions! Moving internationally all these suggestions will help me make the safest decision for my girl! So thank you so very much !!

Location: Georgia I rented a car in canada, but am a US citizen living in Georgia. The rental company (Turo) is claiming damage that I did not cause and wants me to pay. They say if I do not pay they will “send it to collections”. The company does also exist in the US, but since the rental was in canada, do they have any ability to try and collect from me?

Location: Houston, Texas On July 15th 2024, I was involved in an accident with a driver. It was a two-way street and I was at the middle crossing section ready to yield to the street I need to go. I noticed a driver coming out from the plaza and looked like they are waiting to cross to the street where I was coming from. Before yielding, I made sure no incoming cars and safe to go; attempted the yield. As I turned, the car from the plaza crossed the street and a collision happened where my front hit their side. Police was called but no report was made as they said it was minor. The other driver insisted the police to give me a ticket but they didn’t and sent us home after we exchanged insurance. After that, I did all my obligations with my insurance company and they denied claims from the other driver as they said it was not my fault and I had the right to yield. Fast forward to now, I received a paper said I’m being sued for personal injury but in remember the police asked the driver questions to determine if the driver need medical attention and the driver said no. I contacted my old insurance right away to inform them about the sue paper. I don’t know what to do from here.

I go through the prompts, I get connected to someone, and I just hear a conversation between two people talking about random things that I can barely make out. They don’t respond to me so I hang up and try again, same thing. What is actually going on? Do customer service reps just answer and then ignore people so they’ll hang up?

The other day I was at a grocery store where I parked my car far away form the busy area purposefully with a Mustang. I was walking out, saw the accident happen live, and turns out the person messed up the front left side of my car. bumper also kinda came off. Some dent/paint damages. No tire damages. Nothing internally (hopefully). Still drivable. The car was parked, plenty of space in the park lane, and thankfully I was able to be there and watch it happen to stop the person, grab some pictures of their license plate, exchange contact, and even snap a picture of the person's insurance policy. Thinking back, I probably should have called the police and filed a police report, but immediately I filed an insurance claim with my insurance company, Progressive. Unfortunately, my policy doesn't have an uninsured motorist vehicle coverage for collision. On top, my deductible is pretty high. 2500. I had to learn a lot of these things and also like what a subrogation is, but that's basically what's happening right now because I sent my car to the shop and I tried getting in contact with the other party after I figured out i learned that their insurance policy has expired and seems like my agent as well tried contacting them with no response. I even tried contacting their policy with the expired information to see if there was anything active and it turns out there wasn't in their logs. And the insurance company basically just kind of hinted me to screw off after they realized that there was no other information available or logs on their end. So after speaking with my agent and I'm still waiting to get the final quote and stuff from the shop, I believe they're going to start a subrogation process. I have no idea if they have an active policy there or if they have something else. Now, with all this in mind, I'm not sure what to expect here. Unfortunately, I do have to put up the 2500 for the repairs. I think what's gonna happen is that they're gonna try to get my money back somehow, see if they have any active policies, and from what I've heard online is that this can take anywhere from a few weeks to months to maybe even years, I'm not sure. But from what I understand, is it right that there is no guarantee that I'll get my money back, especially if they were not insured? And if they were not insured, does that mean my insurance company is going to try to come after them In any way possible to get the money back? I'm just kind of concerned here because this is my first accident. it was kind of a BS since it wasn't my fault. Happened right in front of me and at the same time, I'm just not sure what to expect here.

I have had embrace for 10 years on my dog and cage and have had claims and have a 90% Reimbursement Rate they are awesome . Over the years rate increase were always as expected .I just got my Renewal and it sky rocketed from $220 a month to $340! Any one else experiencing a dramatic rate increase?

So I have had AmFam insurance through Costco (live in Wisconsin) for a couple of yrs which comes with with a few perks that I thought would be helpful; non-deductible coverage for 1k to fix a window and $100 for locksmith if you get locked out. Well, in the span of 6 months I ended up using both of these but didn't know they get filled as claims against my insurance. Fast forward 6 months, and I just a notice of Non-Renewal because I have had 3 claims in the last 3yrs (I've a claim bcuz of lost baggage 3yrs ago). I'm calling around and getting a lot of refusals and getting a bit scared that I won't find coverage for the house. I tried appealing the decision but that didn't work either Is there any way I can drop these AmFam claims? Or known companies that would still cover here?

Does anyone have experience with this company? I don’t expect any claims but how are they in this area? I’ve had Foremost for several years but this renewal they screwed me with 3x increase. No claims. I’m in SoCal. Apparently another broker couldn’t find me a quote and my current broker has ignored several of my inquiries for options. I understand it’s tough to get affordable fire insurance in Cali. Arghhhh