I was involved in a motor vehicle accident where I hit two other vehicles at an intersection. I live in an “At fault” state and both of the other drivers told the Peace officer that I ran the red light. The officer gave me a citation for running a red light which I will be contesting in court. I gave the officer my proof of insurance card which was expired. Here’s where it gets interesting. The next day I contacted State Farm. State Farm told me that my insurance policy was canceled more than six months ago due to lack of payment. MY HEART SUNK. I canceled my credit card which was on an automatic payment cycle with them. They denied the claim as to be expected. However, I have insurance through Progressive on a secondary car that I literally NEVER DRIVE. But I have full liability coverage through them on a secondary car. My question. Will progressive cover the cost of the accident even if the truck was not on the policy? Will the other insurance companies go after progressive? Would progressive rather cover the cost upfront rather than go into litigation?

I bought my condo five years ago and have Homesite Insurance (according to my recent research, this is not good…). I just filed a claim with them about what my plumber suspects is a faulty toilet wax ring which has caused water damage in the condo unit below mine. Chances are my bathroom will be out of commission for a bit. My question is this: has any one had at least a neutral experience with Homesite? Any tips on how to make sure they do what they’re supposed to? I’m doing my part by brushing up on my insurance policy. Any advice on how to avoid delays is greatly appreciated! I guess I’m just looking for a little hope, lol. Thank you!

I had a pre-op call with my hospital today prior to my bilateral salpingectomy (preventative birth control) procedure next week. I have a new Aetna plan with a $2k deductible, so it didn’t seem crazy when the hospital said I owed $2k. But now I’m hearing that my procedure should be free under the ACA. I was told I’ll get my receipt for the charge at my pre-op appt on Friday. Any chance of me getting this money back if I dispute? Can I do a chargeback on my card?

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.

Currently have metlife and i’m not happy. I pay $100/month for 3 of my cats. Theyve been putting me through hell & back for MONTHS over a claim I submitted for a $12 medication that will only go towards my $500 deductible anyway, every few weeks they ask me for more paperwork and information, now they want a handwritten letter from my vet explaining WHY my cat needs this medication. It’s always something new and im over it atp and realize if something ever major happens to my cat are they even gonna cover it? cause it soundd like not and i’m wasting my money.

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.

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.

My employer is putting our retirement funds (and a very nice match) into a TIAA Group Retirement Annuity account. I really don't want my money in an annuity, but there are no other options through their retirement plan, and the match is too good to pass up. Barring a major incident, I will likely work for them until I retire, and I don't anticipate taking the annuity upon retirement because it won't be enough to live on. Moving money out of a GRA takes 10 years, and I don't think I can start that process until I leave the company, leaving me in a potentially bad spot for up to 10 years after I retire. Does anyone know if I have an option I'm not seeing? I am putting money into an IRA as well, but not nearly as much, and I anticipate the bulk of my retirement savings will be tied up in this idiotic GRA.

The accident occurred on 3/20 and was told they’re taking 100% fault. It all happened so fast, but I was on my way to work in the morning driving 45 in a 45 (it’s also dark and raining). I’m coming up to a 2-way crossroad where the guy’s road had a stop sign and mine didn’t. When I got close to the crossroad I see that he’s rolling up to the stop sign and I assume he’s stopping..because there’s a stop sign. Instead, he keeps rolling into the middle of the lane where I proceed to slam on my brakes and instinctively veer to the left to avoid him but I end up completely smashing the side of his car at 45 mph. I ended up missing that Thursday and Friday and returned to work on Monday since I was told I wouldn’t have to do much work. He ended up not even having a scratch while I have to go to the ER because I was so rattled and didn’t really know the extent of my injuries besides not being able to hear out of my left ear due to it ringing and sounding really muffled. I get a CT scan at the ER and was told that they couldn’t find anything major, so they sent me home with some muscle relaxers and a note for “light work no lifting” for work. A couple days later, I started feeling the extent of my injuries. Taking a deep breath, laughing, coughing, anything that expanded my rib cage or moved/put any pressure on my shoulder blade hurt really bad. My neck was stiff from the whiplash and I could crack my neck in ways I never had. My ear was still muffled with loud ringing and was very disorienting. This affected my sleep, work, daily activities like driving, working out, or even cleaning my apartment. It has been a week and a half since the accident and I’m still feeling all that pain. Albeit, not as significant and alarming as last week, but I still have a muffled left ear with some ringing, pain when my chest expands, shoulder blade pain, anxiety whenever I drive(which is a huge part of my job), sleeping issues, and as silly as this sounds, has destroyed my happiness. I got engaged the weekend before the accident and wanted the celebrate with friends the weekend after, but I wasn’t even able to leave our apartment to celebrate because of how much pain I was in. His insurance has offered me $2,500 for pain and suffering but I feel like that’s a slap in the face. I explained my situation to an attorney and he said it looks like they can make a decent case but said he couldn’t give me a number on how much he thought the case would be worth. So my questions are, can someone give me a ballpark estimate on how much I should negotiate for? & Do I need an attorney involved or is this a situation where I should fight the claim and negotiate myself? TL;DR I got in a high speed accident and his insurance is accepting 100% fault. I got out lucky but am still experiencing injuries like whiplash, some bruised ribs, shoulder blade pain, and muffled hearing. His insurance offered $2,500 and I don’t believe that’s enough for what I’ve gone through. How much could I counter offer for and should I get an attorney involved? Edit: I apologize, I did end up going to a primary care doctor last Friday but he told me the pain I experienced is common and went over the CT scan that the ER did and said “everything looks fine here”. I have an ear, nose, mouth appointment this Friday. Edit 2: I’m sorry if these seem like stupid questions, I’m just really young and don’t have any help outside of my mother.

I recently submitted a claim to Trupanion and it seems kind of weird. For example, let's say I claimed for $1000. The deductible is $200 and a 90% coverage rate, which means I pay 10% coinsurance. So based on that, I thought the math would work like this: * $1000 - $200 (deductible) = $800 * 90% of $800 = $720 → Trupanion pays * 10% of $800 = $80 → I pay (coinsurance) But instead, here’s how they seem to calculate it: * 10% of $1000 = $100 → My coinsurance * $1000 - $100 - $200(deductible) = $700 → Trupanion’s portion This feels off to me — like they’re applying the coinsurance *before* the deductible, which doesn’t seem logical. Shouldn’t the deductible come off first, and *then* they apply the 90% coverage to the remaining amount? Has anyone else experienced this with Trupanion? Am I misunderstanding how their calculation is supposed to work? Is all other pet insurance company calculate the claim in this way?