So like the title says, I crashed my car in July. It was stated that I was at fault and geico covered every bill, except the ambulance one. The thing is, I didn't know there was an ambulance bill until a month ago, they said somehow the ambulance wasn't able to get the insurance or anything but I called GEICO and sent over the bill, and now they are saying they can't cover it and it has to be sent through my health insurance. I'm confused on that part because I thought if it was a vehicle accident then GEICO would cover it, but now they're saying otherwise. I'm just trying to understand the policies cuz I'm just confused right now. Edit: I live in NJ, and they said my coverage wasn't exhausted yet.

I adopted a cat just under a year ago now. She is a domestic shorthair and will be two years old this April. While she hasn’t had any major issues yet, I grew up with family pets and know it’s only a matter of time before I end up with a $1000+ vet bill. I’ve been looking at pet insurance companies and reviews and none of them seem good? Either everyone seems to have major complaints about every single one or their coverage is really weird. I’m still going to get one, especially since I believe my cat is starting to develop gingivitis and as far as I’m aware, it hasn’t been noted by the vet, so I’m hoping it won’t be counted as a pre-existing condition. I was originally interested in SPOT but then saw that a bunch of people said they were a scam, so I started looking into others. The top three I’ve been debating between: Fetch, trupanion, and nationwide. I really like the price and coverage of Fetch, but I’ve seen a mix of both bad and good reviews on them. If anyone has any good/bad experiences I’d appreciate it, especially with cost/coverage changing as your pet gets older. Then there’s trupanion, which I love that they claim to not increase the price as your pet gets older, but I’m unsure about their deductible since it’s per condition instead of annually. It seems great for pets that develop chronic conditions, but maybe not great for illnesses and accidents that I’m assuming would each fall under their own “condition” and thus leave you stuck paying the deductible every single time. If anyone can shed some light on this I’d appreciate it. Last, nationwide was recommended to me by my sisters friends. For around the same price as trupanion, their coverage includes additional things like dental cleaning, wellness, exam fees, etc. I’m just worried about the price hike that might occur as my cat gets older. Please give any recommendations and/or experiences, either with these three or with other insurances you’ve used ♥️

I rejoined British Columbia Automobile Association (BCAA) last year, after a short time away. I like the extra comfort in having them as a backup for my driving. But, when I renewed this year, they had to fix a double payment issue. I had not caught the double payment myself. I paid online with a credit card. They charged the credit card the next month, without me knowing about it. FYI. Still staying with them for back-up but will check payments closer in the future. I got a refund and 9 months extra. fyi.

It’s a long story but I’ll try to shorten it. I’m not 100% sure how insurance works. My car is under my name but my insurance is shared with my parents. My parents have a few other family members included (me, one sister that is 25, an uncle, an aunt). But my Toyota Corolla 2017 is under my name, automatic payments under my own bank account, etc. I guess my parents own the whole insurance policy but the car is under my name. My bill in December 2024 was raised to $400 (NOT full coverage) They won’t give a clear answer as to why they raised my bill so high. But I let it slide. I saw it as a consequence to our current economy. In february they charged me $825. No clear answer. They gave me unreasonable excuses such as being under 25 (I’m 28), or someone else under the policy is under 25 (no one is under 25). Someone that USED to be on it was under 25 but they got their own insurance under a different company over a year ago. But they used that person as an excuse either way. We even sent proof that they are no longer with State Farm and for how long but that wasn’t enough. We dispute it. They compromised and said I won’t have to pay my “$400 bill” for March. Technically half of $824 isn’t $400 so in the end they won an extra $25 from me. Today they told me I still owe $200 this month and $200 next month. That they’re splitting the $425 between March and April. PLUS they randomly began charging my 25 yr old sister an extra $26 AND used the name of the person who was under 25 on that bill (again, that person has not been with us or state farm for over a year). Does anyone have any idea what’s going on? We’ve never been late on payments, we paid off our cars, we never fight them when they raise our bill (except for this time because $825 a month is excessive). My last accident was in 2022, it was not my fault, I never filed a claim or asked for money to fix my car, I asked for info about my options 2 years after the fact (in 2024) but it was too late to do anything about it anyway. I’m planning to cancel my policy with State Farm but I’m still curious about what is happening here.

Almost two weeks ago, I (26M, Location: North Carolina) was the passenger in a car accident. My boyfriend's car got t-boned on my side, and he is definitely at fault. I got a pretty nasty bump on my head, which the PA at the urgent care later diagnosed as either a bad headache or a mild concussion. At first, I just had a dull headache that came and went, I'll now say I'm having migraines that are coming and going, and at their worst I want to lay down and do nothing. My parents want me to pursue legal action against the insurance. They think I should get head scans, and his insurance should cover it. I'm thinking maybe there's sort of aftercare or physical therapy that'd be possible. But I'm hesitant about suing my boyfriend's insurance. I imagine there would be negative consequences for him through them, which I wanted to avoid. I wish the headaches were getting better, but they're not--if anything they're getting worse. He's also not happy with the way the insurance conducted the afternath of the accident. Evidently they listed his car on the auctioneer's site before telling him the damage (he's since taken the car back and the listing was taken down). He planned on suing the insurance company, but he consulted a lawyer who told him he doesn't have a case. When I told him about my legal options, he said his insurance is shady and he'd pay for expenses without going through them. That, at this point, seems like it could be way too costly when it's all said and done. Meanwhile, the insurance company has contacted me and they're asking questions about lost wages and whatnot. I've told them I'm having headaches. So what are my options? How bad would this be for my boyfriend? What would you recommend in this spot?

This is my first time dealing with something like this and I’m looking for some guidance. Long story short in May I was involved in a Rear End accident. The owner of the other vehicle was at fault and I am trying to file a diminished value claim through Allstate insurance (the other drivers insurance) as I was planning on selling my car and upgrading this year. After repairs, I took my vehicle (2024 Subaru Crosstrek premium with under 20,000 miles) to the Subaru dealership to get an estimate of diminished value (they estimated $1500). They gave me a printout indicating this. I submitted it to Allstate and Allstate is coming back and saying they’re only giving me $500 because there was “no structural damage damage done” I live in the state of Oregon. (Not sure if that matters) Am I stuck with this $500 or is there a way to negotiate the full $1500? TIA!

I've seen some posts like this but figured I would ask my own question. I have a 2010 f350 dually that I only use to carry the camper or pull the boat. I think I owe around 10k on the loan if that. My truck bed camper came loose and sat on my wheel well bending the bed rail and fender. I submitted it to geico and they gave me $1700. Few months later I got an estimate from a shop and it will be $8000 to fix. It's just cosmetic and doesn't bother me too much since I very rarely drive it. Can I keep the money and instead put a flatbed on the truck in the future? I'm 32 and this is my first insurance claim. I'm looking for advice from anyone but would like to know preferably from people with experience with keeping the money from geico. Any advice is appreciated!

Is there a way to dispute your cars value ? Insurance gave me a value of $12,000(I think that’s HIGH) for my 17’ Chevy Cruze with close to 180,000 miles on it + body damage . I was hit by usps and the damage is roughly $6,000-6,500 so we tried to get usps to pay for the damage but they won’t exceed $5,400 because my cars not worth more than that to them (which I agree) I’ve personally been saying since I got the repair estimate costs that it’s totaled. Kellybluebook value is about $5,300, a car dealership gave me $6,000 for the value so HOW is insurance $6,000 more than the 3 of those values. If usps won’t even give me the amount of damage shouldn’t my Isnurance reconsider their value ?

I unenrolled from snapshot because it was tracking a majority of instances where I wasn’t the driver. Do you think they will increase my insurance based on the data they have already? It’s only 14 days worth.

Hi everyone I posted here a few weeks ago with issues regarding Fetch Pet Insurance (formerly Pet Plan) and I have just had an absolutely awful experience with them regarding my dog’s recent knee surgery Basically, they are rolling out a “prescription sub-limit” on all of the policies they can and using that to cap any and all medical expenses as they relate to medications at 1,500 dollars. This includes any medications administered by a veterinarian and as I’ve been made aware, it includes medically necessary surgical anesthetic medications. During my enrollment call and upon reviewing my application of benefits, I was only made aware of the coverage I purchased. 10,000 dollars reimbursement, 80% reimbursement rate, and a 500 dollar deductible. There is no language on my application that indicates a sublimit. I just got off of a call with a supervisor reviewing my claim review and also my issue with this sublimit (as it was not reviewed with me in my enrollment call like it legally should have been per my enrollment application) The gist of the call was that “we can’t go over the whole policy” and that “we’re sorry you feel that way” even though the language of the application states in the agreement section that “I have been advised and have had the various other coverages and limits available to me under this policy fully explained. It is my decision to purchase the Coverages and limits set forth herein” All in all, if you plan to purchase pet insurance out of fear of surgical needs or expect for your coverage to be that which you go over in your enrollment calls, do not go with Fetch Pet. They are deceitful and intentionally vague in their policy documents and apply sub-limits without disclosing them to their plan purchasers. Thankfully, Fetch has still lost money on my dog due to the expensive nature of her surgery. But I will be looking at all my options when enrollment time comes around and consider switching because this company is unprofessional and blatantly lying to their customers. Now I have hit the sub-limit after one surgery and if my dog were to need another surgery this year according to Fetch I am SOL. If anyone has enrolled in Fetch this year or last year, please review your policy documents and let me know if they applied a sublimit to your policy (and whether or not the enrollment agent informed you of that sublimit)