This is a wild one and I'm just looking for some kind of guidance or advice. Try and make the story short, my wife got into a car accident this morning, the car was in her mothers name who passed away and there was a lien on it so we weren't able to get it in our name but the car was on the insurance. This morning, on her way to work, she turned at light and was hit by a 1990s Jeep. After giving insurance information, we went home and contacted our insurance company. Found out we didn't have insurance, when we did, or we thought we did, back in February 2025, I registered a new car with AAA and got insurance. The lady specifically told me I had insurance and said we were good until August, but all she did was sign us up for road side service. I have a receipt of when I went in as well. My car I added was also on the account, but everything else was missing. I filed a claim and they're going to do an investigation. I'm just feeling like I'm in a black hole right now and am super confused and worried. I really can't afford to be put in this situation currently and thought I was covered by insurance this entire time.

Back in 2023/2024 we had a tree brand fall on the A frame of our Highlander. We called state farm, they decided after an assessment a repair would do the trick. They wouldn’t let us use Toyota without paying 50% out of pocket. So we ended up using their preferred shop. Long story short, the replaced the windshield and “repaired” the A frame. It was still leaking and we went back, they “repaired it again” and it was fine (minus the water stains on the head liner). It’s been about 16 months or so, and it is leaking again. No additional accidents or anything. My wife and I are incredible tired of dealing with this. Anyone have any tips on dealing with state farm for this situation? The value of the Highlander went down 10K just from the accident alone which is crazy state farm wouldn’t give us compensation for(IMO). We honestly would prefer to have a new Camry or something at this point and not worry about mold, stains, or possible leaks again. TIA.

I have been a State Farm policyholder for nearly 30 years. Last year, they warned me that my roof needed replacement, otherwise they would cancel my policy in September, 2025. I replaced the roof that summer and sent State Farm the evidence. I even have voicemails from State Farm acknowledging that I have replaced the roof and even suggesting I might be able to get a discount for the new roof's impact resistance. Today I received a letter that they would cancel the policy because I hadn't replaced the roof, just before the height of hurricane season for our area. Either incompetence or underhandedness on their part? I can't tell.

Ins: State Farm I got into a wreck that I was deemed at-fault for in May 2024. My auto policy at that time renewed from Feb 2024-August 2024. In August 2024, they renewed me again and raised my rate (obviously). Then in December 2024, I received a letter from State Farm saying they weren’t renewing me (Feb 2025-Aug 2025) for being high-risk and I had to find new coverage. So my question is: Why did they renew me again in August 2024? Why didn’t they just non-renew me at that point?

My car was hit by someone who took responsibility for the accident. We went through their insurance company and took the car to the repair shop they recommended. While at the shop, they doubled the estimate of the repair work leaving the car disassembled, as the insurance company wanted to declare it a total loss. I told the insurance company to work out the financial settlement with the finance company, as the loan was still larger than the value. The finance company sent the insurance company a letter of guarantee and I signed the DNV documents transferring ownership to the insurance company. The insurance company then deducted the salvage cost from the settlement and said they would tow the vehicle to my home. This is not a vehicle I want or agreed to retain, as the vehicle is not currently drivable, and the effort to make it so is not in my best financial interest. They are attempting to force the vehicle back into my possession. Is there anything I can do to prevent them from forcing me to retain possession of the vehicle, given they have the signed documents necessary to transfer ownership once the lien is paid? This is CA and the insurance company is AAA. 

Hello! I recently rear ended someone recently and this accident ended up totalling my car. I have geico insurance and they are stating that I only get 3 days with my rental car. My policy does not say that anywhere. They severely undervalued my car. I compared it to KBB and other cars with similar make and models and mileage. I sent them these and they told me to hire an independent appraiser. I don't have the funds to hire someone to do this. They are going to make me turn in my rental car before they even pay out any money so I can get a new vehicle. I have asked my adjuster to send me where in my policy it states this and they have been unable to provide me a location in my policy where anything that they are citing is stated.I am feeling a bit lost and hopeless and I am wondering if anyone else has had this issue before or if they have any advice. Any would be great! Thank you so much!

Two days ago, I had an online chat with a Geico representative about updating the odometer readings for the two cars on my policy. The chat was short and sweet and went smoothly. Today, I saw a mysterious credit card refund from Geico and logged in to find out that Geico had cancelled my auto-policy on the day I had the online chat. I called Geico just now and was told my policy was cancelled because "I called them to say I had another insurance" which is rather odd. I asked the agent to check the chat log/history to verify that no such conversation happened, but he said he does not have access and would have his supervisor (who can access chats) call me later in day. I am still waiting for this call. **What are my rights here?** Geico -- without notice -- put me and my spouse at unnecessary risk for two days as we have been driving uninsured without our knowledge. Is there anything I can do or ask for?

The claim was for dental surgery (periodontal disease). The reason it was denied is that the cat had no previous medical records showing his dental condition. They also said that no single exam is going to be enough to establish he didn't have previous dental problems, they need to see a record of his health over time. I do realise that dental is a separate category as far as most insurence companies are concerned, but I also wonder if they won't use the same reasoning in future claims. How can I prove something wasn't a preexisting condition if I don't have records? Some background: My cat who is now 8 year old, grew up as a partly feral street cat in a non western country. Yearly vet visits for cats are not common practice there, and with him being the kind of cat that requires sedatives in order to get in a carrier, he ended up visiting a clinic even less than the average cat. In short he has barely any medical records from before arriving in Canada last year. I was actually a little surprised to see that I could even get insurance for a cat his age, but now I'm starting to suspect that they're just fine with taking my money but will never approve a claim. TLDR: Should I cancel an 8 year old cats insurence if he doesn't have any previous medical records?

Noticed that my company offered Nationwide pet insurance. Have a 9-year-old large mixed breed dog, 14-year-old Turkish Angola cat, and two one year old Persian cats. Went ahead and applied and all 4 were approved with $100.00 deductible and 80% reimbursement, and $5,000.00 limit for accident, illness and congenital & hereditary. Right now it's a year long policy. I have since been reading up on some horror stories dealing with Nationwide. I wished I had researched more thoroughly beforehand. I just wanted peace of mind. Now I'm not so sure. It is what it is. How do I deal with this in the meantime and what company should I be looking out for next year?

Six months ago when Progressive abruptly raised my 6-month premium rate by 20% the only explanation given was that "auto parts prices are rising quickly". Today Progressive raised my 6-month premium rate again by another 20% with the only explanation "high inflation in California". $1800 every six months is insanity. My car is nearly 10 years old and I only drive it to grocery store and maybe a restaurant now and then. I'm 60+ with clean DMV. What is Progressive trying to do there ? Is this legal or outright fraud ? If it's legal are they attempting adverse selection to eliminate California policies ? ( I've read about this for home insurance but not auto. ) What should I do ?