Is this a good comp plan for State Farm or should I look elsewhere? Hey everyone, I’ve been with State Farm for about 3 months now and just recently had my agent finally sit down and go over my compensation plan — something he’s been promising to do since I started. Here’s what it looks like (full document attached): • Base Salary: $35,000 • Auto/Fire Base Commission: 5% • Life/Health: 20% of 12-month premium • PTO: 8 days • Penalties: $50 deduction off bonus for every incomplete HH checklist Bonus opportunities: • Issue 5 life policies → +3% increase on P&C commissions • Issue 4 health applications → $250 bonus The issue is, I was also promised the chance to join the Aspirant Program, which was a huge selling point for me — but as time passes, it’s becoming clear that he probably doesn’t have much control over that, and it feels less and less likely it’ll happen. So, I’m wondering… Is this a competitive compensation plan for someone in my position? Or should I start looking elsewhere? I’ve got a background in finance and have been putting in real effort here, but I’m starting to feel like this might not be a long-term fit. Appreciate any insight from others in the industry.

This happened a bit over a year ago. I was driving my girlfriend and her coworker to work and pulled over near the curb to let them out, at the same time another driver starts backing up so I lay on the horn but he hits my car my girlfriend and her coworker both were still in the car when it happened and saw everything. We get out and they are not communicating at all and possibly didn't speak english. Police were called and they didn't show up for over an hour and he eventually started trying to drive off. I follow through for half a block and he stops and backs up into me again. His "son-in-law" came after I guess they called him and he started trying to gaslight me into believing I hit him and theres no proof and that police aren't going to come. LOL. Police eventually pulled up and the other driver started to feign a heart attack or something. They even called the ambulance and the EMT didn't look pleased... I got the police report, report states: **"V1 STATES HE WAS PARKED WHEN V2 WAS REVERSING INTO A PARKING SPOT COLLIDED CAUSING DAMAGE TO FRONT BUMPER. V2 STATES HE WAS TRYING TO TAKE A PARK IN SPOT WHEN HE COLLIDED INTO V1. V2 CLAIMS THAT V1 WAS NOT THERE ARE THE TIME HE WAS REVERSING. V2 DRIVER WAS TRANSPORTED TO BOOTH MEMORIAL FOR CHEST PAINS. PO DIDN'T WITNESS"**. I got the insurance info and drivers info from the police report, called their insurance to make a claim. They instructed me to go to this auto shop and get a quote for damages, went there, the shop said they will call me about the quote. I never heard from the body shop again even after calling them they said they'll send it and never did, the insurance company never again picked up my calls after weeks of calling. I have liability insurance, with Geico and they said to file the claim with their insurance. This is in NYC, the other driver had NY plates but insured by a NJ company "Plymouth Rock Auto Insurance" Due to my girlfriend and I living together, Geico requested me to add her as a secondary driver, I told them she does not even have a license to drive and of course never drive my car. They sent numerous letters and emails about this. Each time I replied online and called in to explain that to them, they acknowledged and I thought that was over. They ended up dropping me, and I didn't even realize for nearly a month and then I was fined by NY for driving without insurance. Paid the penalty and started looking for other insurance. Nobody was willing to cover me due to a gap in coverage, possibly the accident being reported, etc. I was only offered to be insured by GEICO AGAIN LOL. They doubled my rate for liability insurance nearly $400 a month and I've been paying that since. Need advice on how to get what I'm owed for the damages they caused to my car.

My wife and I have car insurance through Progressive. We moved to CO 6 months ago and are paying ~$475 for 2 cars for the first 6 months. However, our premium went up to ~$625 for the next 6 month payment, and that’s after the lump sum payment discount. No clue why it raised in price because we haven’t gotten any tickets or been in any accidents and I haven’t modified the coverage at all. We did Snapshot and it says we’re going to be saving another $55 by continuing with snapshot, so I can’t imagine our driving patterns have increased our premium by $150. Online, it doesn’t say why it’s increasing. How can I reduce my premium without changing coverage? When I call and ask why my premium went up, will threatening to leave for another insurance provider force their hand to give me a lower rate? If so, what information should I come prepared with?

A few weeks ago, I was in a car accident while driving my parents' car that I wasn’t in fault. When I called my parents insurance company they told me i wasn’t covered by their insurance policy and didn't say anything and said to call the other party to solve this they didn't informed me on any of the steps so I assumed that I have to only call the other persons insurance. I wasn’t covered under my parents insurance, as they excluded me from due to not having 3 years o experience and I had no idea how much this would impact me. This was totally my fault for not being informed. My parents don’t speak good English and the language barrier wasn’t clear whether they added me or removed me from their policy. I'm a full time student taking 30 units this spring and currently I live with my boyfriend near my campus and visit my parents about once a month. That day, I just wanted to go to the gym and didn't think much about it so I drove myself since my parents were busy. I never thought that one small decision could turn into something so overwhelming. I’ve only been driving for a year, and this is the first time anything like this has ever happened to me. I didn’t even know that I was supposed to notify the DMV if the accident caused more than $1,000 in damage. I’ve tried everything I called my parents’ insurance company, I called the DMV to request a hearing but they told me there’s nothing I can do because I wasn’t covered. Now, I’m facing the possibility of having my license suspended, and I feel completely lost. Is there *any* way to stop this from happening? I don’t want one mistake to take away my ability to drive. If anyone has advice or knows what I can do, I’d truly appreciate it.

Location: Houston, Texas On July 15th 2024, I was involved in an accident with a driver. It was a two-way street and I was at the middle crossing section ready to yield to the street I need to go. I noticed a driver coming out from the plaza and looked like they are waiting to cross to the street where I was coming from. Before yielding, I made sure no incoming cars and safe to go; attempted the yield. As I turned, the car from the plaza crossed the street and a collision happened where my front hit their side. Police was called but no report was made as they said it was minor. The other driver insisted the police to give me a ticket but they didn’t and sent us home after we exchanged insurance. After that, I did all my obligations with my insurance company and they denied claims from the other driver as they said it was not my fault and I had the right to yield. Fast forward to now, I received a paper said I’m being sued for personal injury but in remember the police asked the driver questions to determine if the driver need medical attention and the driver said no. I contacted my old insurance right away to inform them about the sue paper. I don’t know what to do from here.

I have auto through the lizard. Long story, so I apologize in advance. In May, I bought a new car, and wanted to add my husband and the new car so we would all be on one policy. I didn’t know that I wasn’t supposed to cancel my policy and make a new one, but that’s what ended up happening. I called them and asked if they could reinstate my old policy and add the 2. A supervisor got the approval to do it and transferred me to a lady in a department I’m not sure of. That lady told me I should keep the new policy because it is cheaper. I asked if both policies were exactly the same. She went line by line and confirmed they both had the same coverage. I asked why the new policy was cheaper if they were exactly the same. She told a story about how each policy is owned by different companies and they set their own rules of how they want to handle it. I said, well if you’re saying they’re exactly the same, I guess I’ll keep the new one then but only because you confirmed they were the same coverage. She was typing the whole time and said she was writing the notes in an email. Fast forward to July, the first car (not the new one) got struck by lightning and I tried to file a claim. They told me I didn’t have comprehensive or collision and refused to help. I tried having supervisors try to locate the recording of the phone call with that lady, or find an email or transcript that showed the full conversation. They are saying it doesn’t exist, and there is no recording of it at all. If they could find it, they could retroactively fix the comprehensive and I could continue with the claim. Supervisors also have said that manager level and above calls don’t get recorded. Is there anything I can do at this point? I know they record everything, but they are saying it doesn’t exist. I don’t know what else I can do.

Ok, this is absolutely insane to me but coming here to see if anyone has any advice or thinks I'm overreacting. My dog's TLDR background: * almost 2 years old, GSD mix with cattle dog, pit, husky * has been exhibiting some intense anxiety (can't take him on walks) and sensitivity to noises (these send him into a panic) * our trainer noticed he had a head tremor when he was about 5 months old, but my husband and I never noticed it, neither did our first two vets. Our current vet noticed it + an eye tremor about two months ago and recommended we see a neurologist and get an MRI * Thankfully the MRI showed a normal brain but it did show an inner ear infection The MRI was almost $5k. I submitted it to Embrace and they DENIED it because they are saying his inner ear infection is related to his itchy skin that he had when we rescued him at 6 weeks old, and therefore falls under his pre-existing condition. The MRI wasn't to identify the ear infection, that's just something that happened to show up. The MRI was for his brain health to see if we could determine why his behavior has gotten so anxious and he's started showing aggression. I've included screenshots of their "reasoning" and it seems absolutely crazy to me. Has anyone experienced something similar or have advice on how to proceed?

Hey folks, I’m dealing with a frustrating situation involving my apartment’s property management and my insurance company, and I could really use some advice. There was a minor fire accident in my apartment, and the total bill is under $5,000. My renter’s insurance is willing to cover the cost, but they require the property management to sign a release form. The problem is, the property management’s legal team wants to make edits to the form, but my insurance company’s legal team won’t allow any modifications. So now I’m stuck in this deadlock where: • My insurance won’t pay without the signed release form. • The property management won’t sign it unless they can edit it. • My insurance won’t accept any edits. I feel like I’m caught in the middle with no way to move forward. Has anyone dealt with something similar? Any suggestions on how to break this stalemate? I just want to get this resolved without it dragging on forever. Would appreciate any insights!

I got rear ended (hit and run) but it resulted in me hitting someone else. The guy I hit has a tiny scratch on his car and there’s deep crack mine that’s barely noticeable. The guy didn’t seem to care, he was fine, and seemed like he was in a hurry to get out of there before the police arrived. I got his license plate and he got my insurance information but I forgot to get his. Since there’s like barely any damage and no one got hurt do you think he’ll report it? I’m worried because I have USAA but it’s the bare minimum and when checking my insurance policy, I realized I put that I own my vehicle but it’s actually leased. I still owe a few thousand on it. I want to be honest with my insurance but I am so worried about the resulting possibly financial burden. I live in VA if that matters.

I was rear ended in January and filed a claim with state farm The girl who hit me was in her fathers car which had state farm, liability coverage she has dairyland with full coverage. I am a State Farm customer (not after this) and was assured that this matter would be settled quickly. I was told by my first adjuster that my car was a total loss, since my car was newer that it would exceed her father’s liability coverage and they would open a claim with dairyland on my behalf to get the rest. They complete the estimate, do not contact me on what their assessments were and also changed my adjuster without contacting me whatsoever with my new adjusters contact information. I had to find this out on my own by calling after hearing nothing for two weeks after the estimate was complete. They said “maybe” my settlement would be 8k flat for reasons they seem to not be able to answer, they haven’t even offered me a settlement by this point. They said they valued my car at 11k. Which honestly would be a joke if it is 8k. I talked to my adjuster on Thursday and she is reading my information on my policy and for whatever reason State Farm has put that I have dairyland as my insurance on my claim. I feel at this point my claim has been handled with complete negligence and I am at a loss on what to do, I genuinely would like to move on with my life as this has caused me a lot of emotional and psychological distress. What are questions I could ask to understand this process more, or get traction with? Why would they open a claim on my behalf just to tell me to “do it myself” later on? I have never been in a wreck like this before so this is just another learning experience, but I do not feel as if my claim is being handled properly or correctly. Any advice would be appreciated, also please don’t be rude as I am already going through enough with this debacle.