I noticed my bill in an email was way more than normal and checked my payment history only to find out it’s the second time they billed me for that amount since I missed the first time (I was on vacation). I called and apparently they added some random guy. I finally figured out it was a guy I had in my car when I volunteered at World central kitchen delivering free food to hurricane victims. This guy rode in my car once for half the day. They said they emailed me and sent regular mail telling me about the change. I never got them because the vacation. They will not tell me how he got added to my policy and at one point hung up on me and I did not raise my voice and was polite but firm in asking what happened. I still have no answer. And instead of refunding me the money they just paid my bill for the year with the fund they took. I pay monthly normally. I did not share phone info or have them track my driving with progressive so I cannot understand how they added this dude to my insurance. I remember this guy rode a bike everywhere and since my insurance went up so much I’m guessing he has a bad history. How did they add this guy to my policy? I’m planning to change insurance providers any suggestions? Thanks for any info

A few weeks ago, my driveway suddenly collapsed. After some initial inspection, it was determined that the cause was a failed 96” storm drainage pipe running underneath the driveway. This pipe is in an easement, common area, which means it’s the HOA’s responsibility—not mine as the homeowner. The CC&R’s clearly state that the Association is responsible for the maintenance, inspection, and repairs of the retention basin. It’s been 6 weeks since the incident and since then, I’ve been trying to get the HOA to take action. They had a contractor and inspector out, and they’ve submitted a claim to their insurance company. However, progress has been really slow. I haven’t received clear answers or timelines, and the damage continues slowly worsen by the day. To make things more complicated, I’m currently part of a construction defect lawsuit—along with other homeowners—against the original builder. The HOA and the law firm plan to include this drainage pipe failure in the existing lawsuit, since their initial review suggests it was likely caused by “defective construction”. The law firm says they’re now waiting for a temporary repair recommendation from a geotech engineer expert. Once they have it, they’ll send it to the HOA board for review and approval (or denial of the repair). In the meantime, I got a message from the HOA’s insurance company saying coverage is still under review, but that I have a “duty to mitigate damages and should contact MY property damage insurance (WHAT?!?!). That’s confusing and frustrating, since the drainage system that failed is owned and maintained by the HOA—not me. I’m doing my best to stay on top of everything and keep communication professional, but it’s exhausting, and the lack of urgency from all sides is really frustrating. Would love to hear your thoughts—am I being unreasonable here? What else should I consider? Location: ca

Buddy of mine is really having issues with State Farm. After a long back and forth they came to a number of $25,750 minus the $500 deductible for a total of $25,250 for his truck. He was hit in mid February of this year. He finally received an email today saying he could accept the payout and the number was almost 10% less at $22,999.19. What in the world is going on here? What recourse does he have and has anybody experienced this? Thanks in advance

I am getting a crappy rate on my so-called HSBC "loyalty" ISA and want to move it to 212. When I go through the steps in the app, it connects to my bank account and opens my HSBC accounts, but my loyalty ISA is not there as an option to transfer from. All my other accounts are showing? Can anyone tell me what I am doing wrong here?

Friend was in a MVA where she was going straight, CV was coming down driveway. CV did not stop, was given citation for reckless driving. She was injured, sought normal treatment. Ambulance/ER/PT/some testing. She had wage loss. VA is the state. Allstate found their insured 100% AF. Zoom forward over a year, 7 months out from SOL in VA. Demand got sent. 1 month after demand sent, Allstate changes liab states 'obtained data' speeding at 12.8 mph over limit on our side. That REALLY is not adding up for this road. There were no skid marks and she slowed down and moved into the other lane trying to avoid but the guy never looked... The PR shows she was doing the speed limit, however, the officer did not arrive or witness any speed. The other guy admitted it was his fault on the scene, but by the time he was being given the citation his fam was there insisting she was speeding(they didn't even see the accident... would be biased anyways). I find it mighty fishy it would take this long for any process to be started on an EDR and I work in insurance, I've never even seen a claim where EDR was pulled on a personal auto. I don't know how they obtained any data bc at this late in the claim I think chain of custody would be an issue and also the extraction method. I'm not sure where that vehicle has been bc it was a TL. Since VA is pure contributory, now with the reversal it's heading to our insurance, which is fine, we had the coverages. The issue lies with the pure contributory. If our insurance also finds the same, they could deny as well is my understanding. I doubt they will, but it's still quite concerning. How is this not a bad faith claim? Doesn't the VA statute say they would have to get permission to access that type of data? Don't they have to be forthcoming on how they obtained that data? This is a very weird situation and could end up costing a lot of money if both ins companies end up denying liab. Allstate already paid for the TL a long time ago. My understanding is even if the title was signed over, the VA statute states they can't access without request since they are an insurer and not using the vehicle for daily routine use. I'm not 100% they pulled EDR, but I can't figure out anything else that makes sense with that verbiage they are delivering. Any ideas?

I have a 2025 Toyota Camry with 14,000 miles. It got covered with a coating of cement. The insurance company offered me $3,700. My Toyota dealership has said they will take the car plus $5,500 and give me a new 2025 Toyota Camry. Is there any way to negotiate with my insurance company for the additional $1,800? The body shops are coming back saying it's going to cost between $5000 and $8,000 to fix. That doesn't include diminished value which I could file after it's fixed. It seems to me that offering the insurance company $5,500 to close this claim forever is a really good deal for the insurance company because they will almost certainly spend more if I get the car fixed. Any advice on how to get the insurance company to agree? I'm buying the new car regardless. It's being shipped in and I'm picking it up Thursday. Edit to add: my insurance company will have to subrogate with the contractors insurance company. The contractor is 100% at fault.

I was in an accident back in April. At the time I did not have insurance on my car. The driver who hit and totaled my car admitted fault. Since I didn’t have insurance at the time I contacted their insurance company(Corvel) myself. After 2 months of constantly calling I was able to get in contact with an agent and she was able to compensate me for the car damages and towing charges. She later said she would take care of my medical. I was supposed to gather my medical records from the day of the accident and my medical bills and email them to her. I sent them back in the beginning of June and have not heard back since. Ive emailed and called and have heard nothing. Is this worth pursuing or should I just call it a day and be grateful for what I have received?

Hey so I buy my own medical, dental, and vision insurance from Anthem rather than going through my employer. For the 2nd time, Anthem has decided to drop my medical coverage without telling me. The last time this happened, I had to get on the phone for 1 1/2 hours with them and they still couldn't identify why they dropped it. Instead they gave me some bullshit reason - "our records say you already had an active plan so we dropped this one". I don't have any other active plans. I'm 100% sure of this. I had to go through the re-application process again in December and purchase new medical coverage. Fortunately, I'm young and healthy so this isn't hard to do but it's deeply frustrating and I had to push my yearly physical forward because of it. Fast forward to now (April), I log into the Anthem portal and I see medical coverage is dropped again as of March 1st. Vision and Dental are still active but Medical is inactive. I tried calling them today (Sunday) but of course they only work M-F 8am - 5pm. The frontline phone operators are useless. ChatGPT does a better job than them. Has anyone else had this experience? What was the resolution? What can I do to prevent this moving forward?

I’ve had my two dogs insured with Healthy Paws for almost a decade, and at first, it seemed like a great choice, claims were really easy, they seemed like they cared by sending good will messages after a claim etc. Monthly premiums started at around $30–$40 per pet, then slowly crept up—$50, $70, $90. It was annoying but manageable, thought it was normal as dogs aged and there was also inflation. Then, things went off the rails, I think it's because they were acquired by a bigger company (that's my speculation tho). My premium was already high at around \~$250/month for both dogs, but now they want **\~$550/month**— more than double overnight! No new benefits, no explanation, just pure corporate greed. It’s clear they’re taking advantage of longtime customers with older pets, knowing we have fewer options due to pre-existing conditions. It’s a disgusting, predatory practice. They assume people won’t leave, but I’d rather pay another company—even if it costs more—than reward this behavior. **I'd say avoid Healthy Paws at all costs.** Also if anybody had changed insurances at a similar point and were happy after please let me know!

Current policy holder for two animals since 2018. Aside from the constant increase in premiums… now that I’ve begun filing claims they are questioning the breed of the dog and threatening to double my premiums if I don’t validate a large mix breed vs a mix pit bull. Disgusted.