My spouse has a pretty poor driving record, we filed two claims last year on our insurance (USSA) and we just filed one today all of which he is at fault for. Last insurance claim we had was on December and it was a total loss. He also has a speeding ticket that he had to go to court for along. Our insurance bill is already $620 per month for two cars. My driving record is spotless, no speeding tickets or any tickets as well. We live in VA. I have a 2019 ford fusion and my 6 month premium is 1584. He has a 2019 Nissan rogue and his 6 month premium is 2241. We’re also both in our early 20’s. Would be be possible for him to have his own car insurance and would it be cheaper for the both of us? Right now his car is under my insurance and he’s also an insured driver under me. I also just installed a dash cam to his car a month ago for his protection but it seems like it’s the other drivers on the road that needs protection from him. I’ve already pleaded and begged with him to drive safer and drive defensively.

like many others, I was just hit with a huge increase - more than double - for Healthy Paws. we do have pretty significant monthly spend (thank youuu environmental allergies), so I wasn't likely to cancel completely, but I decided to run all the options for 90%, 80%, and 70% coverage through chat gpt, including my set monthly vet expenses. it gave me a detailed explanation for why insurance is still a good idea for me, and which option specifically would save me the most money. for my scenario, it ended up being 80% at $1000 deductible. just a suggestion in case youre not sure what your next step should be.

I’m moving from Oregon to Los Angeles & my wage is still quite low, but the move is justified because I should go up in salary much quicker in due time. I have to change my car insurance over & my rate with Progressive will go from $133 for comprehensive to about $400. What insurance do I really need in the event of an accident & how can I lower this cost as low as possible? Anyone have really cheap rates with other companies? Car is a 2015 Nissan Altima.

State farm sent me a letter saying they weren’t going to renew my policy due to my dad’s driving record, mentioned said claims and one accident that he was in and that I had to switch by April. My parents and I have different agents and I have my own policy but I think our policies are tied together somehow? Anyway, I asked my mom if they had finally switched and she said no, that their agent didn’t see such claims on their end and were able to remain with State Farm. My parents never used the roadside assistance that State Farm claimed in the nonrenewal letter so what the hell.Has anyone been in a similar situation? I’ve already switched insurance but I’m curious to talk to my agent to know why there’s inconsistency.

Hi everyone! I'm looking for some insights on my cat's insurance costs. I've been with Trupanion since my cat was 3 years old, and she is now 7. The premium has been increasing nearly every year, and I'm currently paying $106 per month with 90% coverage and a $0 deductible. She's been relatively healthy overall, just dealing with early-stage osteoporosis, which we're managing with weight loss. Thankfully, no other major health issues. However, the one time I submitted a claim, my vet had to intervene because Trupanion was reluctant to cover costs that were supposedly included under my plan. Given these details, does the price I'm paying seem reasonable? Also, if anyone has suggestions for more affordable insurance options in Canada that still offer reliable coverage, I’d love to hear about them. Thanks for your help!

Hi everyone, I wanted to share my experience with biBERK workers' comp insurance and get some advice or feedback from others who may have dealt with something similar. I had a workers' comp policy with biBERK that was fully paid and I canceled a few days before the expiration date. A few weeks after cancellation, I received an audit request. I didn’t fill out the forms right away, and shortly after, I got an email saying I owed around $500 as an estimated audit charge since the forms hadn’t been submitted. I called biBERK to ask about it, and the agent told me that if I filled out the audit forms, they’d be able to issue a proper audit and adjust the premium based on actual payroll. I submitted the audit form the next day. To my surprise, after submitting the audit, the amount due increased to $1,300. I called again and was told I could submit a formal dispute, which I did. I explained that: I’m a small business with only one employee on payroll. The policy was canceled early, before the full term. No claims were ever filed. I submitted the audit forms in good faith expecting a fair adjustment—not a higher charge. Today I received the outcome of the dispute, and they only reduced the bill by $77—so I still owe $1,223. I’m feeling frustrated and a bit taken advantage of, especially since the audit estimate was originally much lower and I submitted accurate data as requested. Has anyone dealt with something like this before? Is there any recourse or further steps I can take? I appreciate any advice or insight.

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’m high risk. I have first acceptance because it’s what I can afford. I was waiting 3 more months for an accident to drop off so I could get better insurance. My policy is up for renewal 3/11 and I was going to pay it tomorrow. Opened up my envelope and it says the due date is 2/25. They always want to paid by first and then you have until 11th of month to pay before it would cancel so that is what I expected. Instead it says that if I don’t pay by the due date then it’s canceled effective of that date, meaning 2/25. They can’t do that can they? The notice clearly states renewal starts 3/11 and my current card clearly states my insurance is through 3/11.

I'm thinking of changing my renter's insurance of 8 years Assurant (Actually did some research and did not hear good things about them) to bundle with USAA. My apartment company has an "insurance fee" as part of the lease which covers liability, so all I would need is coverage for property. Since liability is now part of the lease, I was thinking of dropping liability from renter's policy to save some money. Is there any reason why I should keep liability on my renter's policy that I can't think of?

Hi, I just wanted to share my experience with Lemonade after having gone through cancer with my recently passed kitty, Tortilla, who was 6 years old both when we bought her plan and at the time of her passing. She had large cell GI lymphoma that suddenly appeared in early May. I got her plan (premium preventative care package, 100k spending limit, 90% reimbursement with $250 deductible, end of life coverage, dental disease coverage, vet visit fees). We had over 7K in vet bills, but lemonade actually covered around at least 6K I believe. I actually only got her a plan because one I somehow had a horrible feeling something terrible would happen to her (I hate and am grateful that I planned for that but I wish I had for no reason) and two because we had adopted a dog (her name is Lexie) who we bought insurance for too late and she had a million pre-existing conditions that basically rendered nothing covered for her. We wound up going the palliative care route, and unfortunately we didnt get much time I believe not even a month passed before she left us after her diagnosis. But, the bright side of this horrible experience was we were not saddled with thousands in debt since my family and I are not doing so well financially this year. They covered 6K of the treatment and diagnosis bills, and completely covered end of life fees and memorial items. I am so grateful I decided to buy her plan. Now, the negatives. Tortilla worked out great since she didn’t have a history of illness till the cancer and only had preventative vet visits in that history with no illnesses popping up. I will say, though, the approval waiting period was insanely long. Took like more than 2 weeks for reimbursement, but they did approve us for a crazy amount (at least to me). So if that’s important to anyone, keep in mind the bigger value claims take a longer time to get approved. With my dog Lexie, however, this did not work out as well… As a first time dog owner, I did not realize how many health issues a dog could have. My cat Tortilla came first, I’d had her for nearly 4 years (adopted her in Sept. 2020) at the time of getting my dog (April 2024). Tortilla was always healthy and vibrant, and while I wish I would have been more proactive with vet visits, I can’t change anything now. So, my mom and I decided to hold off on getting pet insurance for the first few months. Horrible mistake. My dog happened to have basically a weak weak stomach and everlasting GI issues causing behavioral issues (from pain) that are still unresolved to this day. She’s been in and out of 6 vets with over 13 visits since last year. I was only 19 during this and had no idea what to do and neither the idea to get pet insurance since I was so overwhelmed, and most of it fell on me since my family wanted to keep Lexie and I also didn’t have the heart to give her back to her rescue. So, I fought hard to get her diagnosed and treated, which I’m still fighting to today. But, now my mom and I have spent probably over 5K on her vet bills too (on top of Tortilla’s). I might as well have lit the money on fire that’s how helpful everything has been. So finally we got her insurance in early September, only after having her behavioral issues diagnosed. This was a horrible mistake on my end because now nothing was covered. So, long story short Lexie saw a million different vets (including a vet behaviorist) and absolutely everything I filed for was pre-existing and none of that 5K is covered. I don’t think this is all Lemonade’s fault or anything of the sort, it’s just an unfortunate situation because I was misguided and overwhelmed back then by both Lexie being a young puppy with behavioral issues and GI issues. Overall, I honestly would recommend Lemonade for anyone signing up a new, young pet or even an older pet with no pre-existing conditions. I’m not sure if I would recommend it over others, like PetsBest or Trupanion (although I have been seeing some pretty insane price spikes for others from Trupanion). I’m still weary but since they were so helpful with Tortilla (even if it took a bit) I decided to stick with them and signed up my two new kittens we adopted before she passed and made sure to sign them up early (3 weeks after adoption). I also would say a positive was how easy it was to file claims and speak with your claim rep. I don’t really like talking over the phone, so it was nice just talking via email, text, and the support center. It was also a very smooth process to file the claims, since everything is just in the app and you can customize the types of procedures and costs you’re inputting (there’s options to put general diseases already in their database while filing a claim but you can add custom text which I found helpful). So yeah. I honestly don’t know if the grass is greener for other companies, but I feel like most insurance companies are not exactly looking out for the pet or even human as their priority, and I feel Lemonade isn’t too too much like that. Hope this was helpful for anyone that read through all of it, thank you!! TLDR: Lemonade was very helpful for my cat with no illness history that contracted sudden cancer (reimbursed over 5K-6K). Not so helpful for my dog as she had pre-existing conditions so nothing was covered, but if anything new pops up it should be OK (she’s still a young dog). App is very navigable and easy to use, claim support staff is helpful and friendly, larger bill claims can take awhile to process though (took 2-3 weeks for Tortilla’s bills). Can’t really do phone calls, but I did prefer the email and text system (personally).