Windshield had some severed cracks that started to spider out and had to be fully replaced/recalibrated. Before having it fixed, I filed a claim with my insurance company (progressive). My claim was denied as I hadn’t yet met my comprehensive deductible and didn’t have glass coverage at the time. I added the glass coverage a couple weeks after the claim was denied to make sure I’m covered in future events. I finally saved up enough to have the windshield replaced and recalibrated just this week. My question: Is the amount I paid out of pocket for this replacement eligible to go towards my comprehensive deductible for any future issues? My biggest concern is that I just don’t want it to look like I’m trying to commit insurance fraud by submitting a second claim for the same thing after just adding the glass coverage. Appreciate any help.

Before I contact them does anyone know why I could get a 42% increase in cost at renewal? I've been with them for over a decade! I had one claim this year because lost control of car in snow storm and hit a pole. My rate went up by $11 a month(which I understood) but a crazy rate increase at renewal is new to me! Is this normal??

Hey everyone, I got a call recently from a company called Wilber, saying I owe them money for an insurance-related matter. But the amount they’re asking for is way more than what I actually owe. This happened in Texas, and it caught me off guard. I tried asking for a breakdown of the charges, but it still doesn’t add up. It feels shady, and now I’m just wondering—has anyone else in Texas dealt with something similar from Wilber? Did you resolve it? Did they back off or escalate it? Just trying to figure out if I’m being taken advantage of or if this is some standard (but aggressive) practice. Any advice or shared experience would really help. Thanks in advance!

Hello, I doubt I can do anything about this but I'll ask anyway. My broker automatically froze my account yesterday because I supposedly made a large amount of orders (less than 10 a day on average). The average of those orders were positive so I'm unsure why the amount matters, not like i was losing money. I had an ongoing call that I was keeping waiting (hoping) for the price to go up and placing puts as the price was decreasing, so i was slowly making back the unrealised loss (and I did more than make up for it before tariff struck). Anyway, yesterday I tried to place a put but noticed my account was frozen, asked why and the help center told me the reason above and that it was there to protect me. Anyway, tariff happened today so the earlier mentioned call escalated in price which triggered their automatic order closure when the account reaches 25% of its value. Since my account was frozen i was unable to place a put to stop the fall in price and such. They did prevent me from placing a put just before the tariff struck yesterday, and while it was happening. So i was wondering if I could ask them for any sort of compensations or if I should cry. the broker is trading 212 just in case. Location: France

Pets Best insurance premium increased 50% last month. Premium initially doubled when I moved from SC to NC 3 yrs ago then this additional 50%. Current coverage; - accident/illness - Unlimited, 90% reimbursement, $250 deductible. -No well care. Annual premiums are only about $20 less than annual WellCare visit charge. Ran a new quote online from same company. It is 50% of new premium (so less than premium before last month’s increase). Makes no sense. 1 dog - Doxy long-hair - 5 yrs old. Insurance with Pets Best since I got him at 6-8 weeks old. He’s generally healthy but I carry insurance because of typical issues a doxy can develop as they age. The only vet visits he’s had outside of well care: (1) Urgent care visit & call to poison control in 2022 after he got into medication (claim was made and they paid around $50). (2) An out of town visit to vet when he had Gastro issues (throwing up/diarrhea) and wasn’t eating. Cause unknown. Given a round of antibiotics and no more issues. This vet isn’t on his records and I didn’t file a claim since it was under my deductible. My questions: (1) Outside of taking a chance that something happens during the waiting period of a new policy, is there any reason I shouldn’t apply for a new policy to get the lower premium? (2) Will the prior poison visit be considered existing condition if there is another event? He was fine and hadn’t ingested anything harmful. They just watched him for a couple hours. (3) Is the insurance company likely to pick up the out of town gastro visit and consider any future gastro issues an existing condition since I didn’t claim? Thanks in advance for input.

Trying to help my mil with her home insurance in FL. No prior claims and no flood zone. She contacted an agent who gave her a cheaper quote through citizens. We find out 6 weeks later there is still no policy. We call on her behalf and get a bunch excuses about internet glitches or something. Called citizens and they didn’t even have a record of the application. In the meantime coverage has lapsed and the mortgage company I guess has already bought its own policy. Finally last week the agent submitted a new application and just got a notice that it was denied for missing required documentation. Obviously we are contacting a different agent referred by a friend asap. But like wth? This can’t be normal right? What else should/can we be doing? Obviously this is very stressful for her going into hurricane season without a policy.

So we now know one of two things - either snapshot is designed poorly or FSD brakes too hard in a model 3. I don’t use anything except FSD and the best I’ve been able to score is 4 out of 5 stars all because of what it thinks is hard breaking - apparently snapshot isn’t designed for autonomous driving. PGR , time to wake up!

Had my payment coming up of $519 ( 2 payments of 259, lumped together) I instacart for my income and it had become too hot recently to do as much as normal. I let geico know i could pay some not the full amount due, representative told me pay what I can.. thinking it was notated on my acct and id be ok.. (8 years of coverage) I continued to work although I started training at the job I finally got hired for, taking away time to instacart.. long story short I saw Geico canceled me on 7/21, I found out a few days ago because I don’t check emails often. They usually text me. Im in NY, To reinstate I need to pay off my balance 389 + 300 for new coverage.. I don’t get paid until the 15th.. anything I can do? what do I need to be concerned about? any penalties.. etc. Really thought the representative did me a solid, why not say it would still cancel?!

I recently adopted a 1 year old Golden Retriever and I am attempting the long arduous task of finding the right pet insurance. He is healthy and has no pre-existing conditions — albeit the one that will be documented once I bring him to the vet this week for anal gland expression (which isn’t covered by most insurance providers anyways). I am aware of some of the health conditions that golden retrievers are susceptible to, including hip dysplasia and cancer. And, I know, based on first hand experience, that the breed is extremely accident prone. So I am opting to start the policy early to eliminate other complications from becoming pre-existing conditions if I wait till later in life. At first I looked into Trupanion because I like the premium service of the provider paying vet bills directly (saves some headaches). And I like that it is on a per condition deductible basis, where each condition deductible can be met earlier in life. But I can’t get over some of the horror stories about increased premiums. I am financially able to afford such a service, but the rate increases just seem unreasonable. I’ve also looked into Pets Best and MetLife. Are there any recommendations that you can make that I should consider? Should I just go with Trupanion?

I have had Trupanion insurance for my 6yo cat Eloise since I got her as a kitten. The premiums have increased each year, which is to be expected, but I just got the new 2025 policy and it increased from $28.95 to $42.31. What?! Eloise is healthy other than gingivitis. She had to have a dental cleaning this year and Trupanion actually covered part of it, even though the way the policy is written made it seem like they wouldn't. I submitted it anyway and most if it was accepted. I only got a little back after deductible but considered that a win. Hopefully she won't need another cleaning for a few years. I'm not paying $42 a month so my question is, is insurance really needed for a health cat? And if so, any recommendations? I didn't have insurance for my two prior cats (it wasn't so much a thing when I got them way back). One of them was mostly healthy for 15 years then the last 6 months of his life it was one expensive crisis after another. After he died and I got Eloise, her vet strongly encouraged insurance. I did the math and what I would have paid in 15 years of premiums was almost exactly what I paid in 6 months of those medical problems. It would have been nice to get a % back after deductible during such a stressful time. So that is what swayed me to get insurance for Eloise. $20 then $25 then $28 seemed reasonable. But $42 does not. [Especially when Trupanion CEO has a compensation package of almost a million dollars.](https://simplywall.st/stocks/us/insurance/nasdaq-trup/trupanion/management#:~:text=Trupanion's%20CEO%20is%20Margi%20Tooth,company's%20shares%2C%20worth%20%245.14M) Her current policy: Max lifetime benefits: no limits Deductible per illness/injury: $500 Co-insurance: 90%/10% Waiting period accident: 5 days Waiting period illness: 30 days Thanks for any insight!