I'd love to hear from anyone who has used AKC for pre-existing conditions. My 3yo Cavapoo has suspected IBD. He's had several vet visits and a specialist visit for it. He has Pets Best insurance, which was unfortunately purchased after one trip to the vet for diarrhea when he was 3 months old. So they won't cover anything GI related AT ALL. I talked to an AKC rep today who said they will cover the IBD after 12 months of premiums, even if he continues to have issues with it and has to be seen for it during the waiting period. Can anyone verify? Thanks!

Someone hit my crappy but reliable car on the way to work a few days ago and their insurance (state farm) is trying to declare the car a total loss, but the cost of the car won't come close to getting me a new used vehicle of the same quality. The damage to the car is mostly cosmetic with only about $1000 in repairs required to get the car on the road again. But ~$4000 to repair the cosmetic damage. The mechanic suggested I try to call them and let them know that I wanted a lower payment in exchange for the car not being totaled but whenever I call state farm I'm immediately redirected to their total loss department. Is it at all likely that I'll be able to instead do a cash claim so that I can keep my car or am I just competely fucked?

So our car was stolen and our insurance (Progressive) gave us their vehicle valuation report. The base value is 33k and they deducted almost 12k since it's salvaged title (stolen recovery) so it ends up being almost 21k. My problem is that 3 out of the 5 comps in the report were also salvage title! So I sent them a letter saying based off of their formula they should realistically be giving me the average price of those 3 salvaged vehicles (ends up being 31k after adjustments) these are cars that are selling or have sold in my area. Instead they're double dipping using salvaged cars for comps and deducting the title history deduction on top of that. Now, they give me a call back saying they're firm on their number they can't move around numbers bla bla bla.. I don't get it? , realistically I wasn't expecting 31k I wanted to negotiate and meet somewhere in the middle and now they're telling me they're done.. to invoke my appraisal clause. Like are they serious? Based off of reddit I thought insurances went up a little and tried to negotiate somewhat. So am I stuck now? Should be worth hiring an appraiser right? Anyone go through a similar experience or have any advice?

I have 2 rescues. Dog 1 we got at birth and found out she has auto immune hepatitis and will need medication for life. We had to pay $4,000 to find this out. Dog 2 is of unknown age and he was a stray so we had no knowledge of his health. We since found out he has IVDD and degenerative valve disease. So he will need ultrasounds 2 x year plus medication eventually. ASPCA has not paid a cent after a year. They chalk everything up to pre-existing conditions. I feel like I’m not understanding the AKC clause that says they pay for pre-existing conditions after 365 days. I’m not happy at all with ASPCA’s customer service and the rates were comparable at the time I signed them up last year. I’m sure if I get a new quote before my ASPCA plan renew, AKC will ask about pre-existing conditions and quote premiums accordingly. I tried looking for the info on their website but it seems so vague and I don’t know where else to get further clarification.

(TL;DR at the bottom) In mid-December 2024, my parked car was involved in a hit-and-run while I was at home. Surveillance footage revealed a white Mercedes struck my vehicle and fled. Unable to identify the driver immediately, I reported the incident to the police and my insurance company. By early January, my car was declared totaled. As a tobacco inspector, my job required a personal vehicle for site visits. Without transportation, I was removed from the schedule and subsequently terminated. Despite actively seeking employment since January, I’ve been unable to secure a new position.  In March, I noticed the same white Mercedes parked nearby. After running the VIN, my insurance confirmed it belonged to a neighbor. She had concealed her vehicle for over two months following the incident. Upon presenting this evidence, her insurance company accepted liability, acknowledging her prior claim in December for hitting a parked car. However, her policy only covers the Pennsylvania state minimum of $5,000 for property damage, which was paid to my insurer. After settling my car loan, I received $3,000 from my insurance, insufficient to replace the vehicle. Without steady income, securing auto financing has been challenging. I purchased my 2018 Mazda6 Grand Touring Reserve in April 2023. The total finance amount was $21,116 , I put down $4,500 and made regular monthly payments until the car was totaled in December 2024. At the time of the accident, it was valued at $16,500. After the remaining loan balance and deductible were paid, I received only about $3,300 ,far below what I had put into the car and not enough to replace it To date, my neighbor has not acknowledged the incident or attempted to discuss it with me. Without a vehicle, my ability to work has been severely impacted, and relying on public transportation and rideshares has become financially burdensome during unemployment. I’ve now missed approximately 12 weeks of full-time wages as a direct result. I reside in Philadelphia, PA. ___________ My questions: • Given the circumstances, what additional insurance coverages could have better protected me in this situation? • Are there specific endorsements or policy options that can safeguard against underinsured drivers causing significant losses? • What steps should I take when the at-fault party’s insurance coverage is insufficient to cover damages? Any guidance or insights from those familiar with insurance claims and coverage options would be greatly appreciated. __________ TL;DR: Neighbor’s hit-and-run totaled my car, leading to job loss. Her insurance covered only $5,000, leaving me unable to replace the vehicle or secure new employment. Seeking advice on insurance coverages that could have mitigated this loss and steps to take when the at-fault party’s coverage is inadequate.

Insurance company sent an inspector. Contractor said roof is in amazing condition but there's always a but, since the roof is over wooden shakers it has to be replaced!!!! My agent is a total pain, she just says get it done, sure no problem because I have dam neat $16,000 to do this.🥺

Really frustrated with navigating car insurance right now. I'm in Chicago suburbs, 2020 camry, and even though I have a much safer car than my previous nissan, this policy is a ton more expensive. My current 6 month progressive policy: 50k 100k 50k, medical payments 2k, uninsured 15k w 250d, comprehensive w 750d, collision w 1000d, and roadside. This costs $563, but with "discounts" or whatever i'm only paying 443 (though i've paid 82 for 6 months so it's Actually 493). It's renewing in 2 weeks and suddenly they want $1055, for 6mo. That's almost doubled WTF? I called, the person pulled strings and said it'd be $483 - just kidding that's if i changed my current policy. If i requote for one through feb it's $981, because I don't have an e-sign (and one other) discount anymore? And that would have saved me $400?? Make that make sense. She tried to see what it'd be if we minimized everything, 25k/50k/20k coverage with literally nothing else still would cost of $500 for 6 months. An independent insurance agent quoted progressive with my current (50k/100k/50k) coverage at $780. These are wildly different numbers. Any discounts available to me saved like 5 bucks. 1k over 6 months for car insurance is insane. I'm still learning to navigate insurance hellscapes. My biggest concern is hitting deer (i travel a lot) or objects on the road (there's always garbage i'm dodging on the highways), so i want at least comprehensive (or is it collision?) and roadside assistance bc I never learned how to do basic car repairs. 2k in medical payments will cover a band-aid at the ER, maybe, so i'm fine getting rid of that and minimizing underinsured (unless that's a bad idea?) and upping deductibles to 750 or 1k if it saves some money. I don't want to be throwing money away because of the appeal to fear that "something might happen" but also don't want to be underinsured and financially screwed if I hit a bumper or someone t-bones my car. Any advice appreciated.

I have had a commercial policy with the same carrier for 13 years under my ownership, but as far as I know my parents and grandparents have used the same carrier since the 1970s. Does this matter? Is a claim a claim and you get dropped or treated the same as anyone else that just signed on with them last year? I called my carrier and wanted to talk to my underwriter to verify my agent is actually trying to implement the changes i have asked for. In the past my last broker lied to me about putting in for higher fire coverage, and how I caught them was by calling my underwriter. This time when I called I got someone in member services but she wouldn't transfer me and was super passive aggressive, laughed at me etc. I want to actually use a company that's not hostile to me trying to verify if my agent is actually doing what they say. Long story short after what I believe is 49 years with one company I want to know if it's worth staying or if it matters?

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.

First time posting on Reddit, and not sure if this is the right place to ask this question, if not I apologize, please direct me to the right place if that's the case. So I'm in LA and I have Progressive Car Insurance. Here's the situation: I got rear-ended back in February, the other driver was fully responsible for it, I went through the whole insurance claim process and got my car repaired, and because my insurance has $1500 car rental allowance during repair, they got me a rental car for about a month while my car was under repair. the car rental company was Midway Car Rental (The one my collision body shop is using.) Everything went smoothly back then and I even got my deductible on time from Progressive, I returned the rental car when my car was ready, they checked the rental car, no extra fee needed, no issue at all. Then out of no where, last week the car rental company charged me THE FULL RENTAL PRICE to my credit card I put on file (I used that for the deposit.) I called them, they said they have been asking my insurance to pay the rental fee for months and they never paid, that's why they charged my credit card. I called my claim rep, he said they paid the car rental on 7/15, which was 10+ days ago, the rep is also baffled by the unexpected charge. I checked my Progressive app and can see the $1500 rental reimbursement under my payout summary, and it did say 7/15/2025. I am not sure what's going on and what to do in this situation. Both side claimed that they're not the problem (well expected) the car rental is asking me to ask my rep for proof of payment and send to them or else "they can't do anything about it", I passed the message and all the info to my claim rep, he said he's on it but then nothing happened and he's now not available through phone somehow. Im very confused and somehow been put in the middle as a mediator?? I really need the car rental to cancel this charge on my credit card. It's an foreign credit card and I need to pay it off soon, and this expected charge is seriously messing up my payment plan this month. But it seems like both party needs to investigate or negotiate this for some time, and they're not very cooperative and helpful. Any suggestions, advice?