I have had embrace for 10 years on my dog and cage and have had claims and have a 90% Reimbursement Rate they are awesome . Over the years rate increase were always as expected .I just got my Renewal and it sky rocketed from $220 a month to $340! Any one else experiencing a dramatic rate increase?

Someone hit my crappy but reliable car on the way to work a few days ago and their insurance (state farm) is trying to declare the car a total loss, but the cost of the car won't come close to getting me a new used vehicle of the same quality. The damage to the car is mostly cosmetic with only about $1000 in repairs required to get the car on the road again. But ~$4000 to repair the cosmetic damage. The mechanic suggested I try to call them and let them know that I wanted a lower payment in exchange for the car not being totaled but whenever I call state farm I'm immediately redirected to their total loss department. Is it at all likely that I'll be able to instead do a cash claim so that I can keep my car or am I just competely fucked?

I'm 34 F. I've had a Care Credit account for several years now. I use it for medical expenses and vet bills. I always pay it off early with the no interest promotional financing and it had a limit of $7,000. Today I got a notification from Credit Karma that my score had changed. I checked it out and it was due to my Care Credit limit being slashed to $1,124 dollars? Why? I have a good credit score? I pay my bill on time or early? I called to get the limit back up and I was only approved for $3,000 and some change.

Last Sunday, I was having dinner with family when a drunk driver left the restaurant parking lot and decided to take my parked truck with him. Thankfully, nobody was in the vehicle, but the damage was significant — around $6,000 according to the repair shop. The other driver's insurance accepted liability and is covering the damages to my truck, which is good. But here’s where it gets frustrating. I live alone in a rural area and have no other transportation. I work weekend shifts (Friday–Sunday) with regular overtime (usually two extra 12-hour days). Because I had no vehicle, I missed work this weekend. The truck was towed to the shop, but they can’t begin repairs until *two Mondays from now*. The insurance company told me they won’t cover a rental car until repairs actually begin, even though their policyholder was 100% at fault and drunk. How is that fair? I'm out two weeks of transportation and potentially $1,800 in lost wages because of this. I’ve never filed a claim before, and I feel totally lost in this process. Some questions: 1. Can I push the insurance company to cover a rental now, not just when repairs start? 2. Is there a way to claim lost wages due to this incident? I have no PTO, and this is directly affecting my livelihood. 3. Should I be speaking to an attorney about this, or is there another route to escalate the claim? Any advice or guidance would be really appreciated. Update- I live in Maine but the accident happened in new Hampshire if that makes a difference.

Not your standard switching question, honestly. My partner got a job that offers metlife so our 2 dogs are eligible to switch over to metlife from our current insurance. We have petsbest currently. I already checked and there's no concerns about it being my partners work (and only I am currently on my the petsbest insurance). I spoke with metlife on the phone extensively so I can switch anytime basically, i'm mostly wondering reasons I might want to stay vs not. Both my dogs have quite a few medical conditions and Petsbest has generally done due diligence. I insured my pit mix in Jan 2022 when I got him and they've covered almost everything. (Annual premiums: 2022 was 460, 2023 was 560, 2024 was 725, and this year was 1032. 250 deductible, 90% reimbursement, unlimited level). They denied only one claim. They denied something and considered it alternative. Even tho it's supplied by a teaching hospital, has studies, and the doctor wrote a huge letter explaining why it was the only option for my dog (my dog has multiple concurrent co-morbidities). They still said no. I asked before hand but they wouldn't pre approve and when I said I was concerned bc it was a big bill they just said I could always appeal. I did, and even with a super detailed letter, nothing. However, he has MANY medical conditions- allergies (on apoquel, immunotherapy, regular derm visits), anxiety (on a couple medications), hip dysplasia/OA and IVDD (on meds and may need surgery). So they've more than paid for his medical conditions. Second dog we adopted in Sept 2024 and she was a 500 deductible, 90% reimbursement and 816/yr. Ended up in 12k in bills between emergency surgery, post op complications and follow up labs. They've paid up. We had to appeal one thing but successfully this time. Petsbest has been fine and paid and processed, though slow, which is fine. I'm mostly considering metlife as both dogs are on prescription foods and metlife will cover wellness care. I could get both dogs annual dentals (which i always planned to do, but was considering pushing it out to 1.5 years out when I'll get a better dental price at a new employer), get tick and flea prevention covered! (200 for one dog, 220 for the other). The prescription foods for the dogs run me about 70 every 1.5-2 months. I'm seriously considering it but feel like there may be something I'm missing. The company confirmed they'd cover rx food even tho petsbest doesnt, btw. Same with dental cleanings. These were their quotes and I was planning to go with the most expensive one, tbh: * Family plan: 250 deductible, 90%, unlimited was 2108.92 without wellness  * With wellness: 2938.44 * Family plan: 500 deductible, 90%, unlimited was 1783.25 without wellness  * With wellness: 2469.98 * Family plan: 250 deductible, 80%, unlimited  * with wellness: 2047.84 * Family plan: 500 deductible, 80%, unlimited  * with wellness: 1728.52 Would love any insight and opinions.

I (20F) lived in Massachusetts for a year for school, this was in 2023-2024. I was severely sick and needed to be transported by ambulance to the nearest hospital, I was 18 years old at the time (I went to the hospital in December of 2023) and was on my mothers health insurance (I still am, I am not the head/provider of the insurance). Within that summer, a bill for the ambulance was sent in the mail, because I was the one who used the ambulance, they had billed me -- however, my mother was in charge of the payment/financial bills since she is the head of the insurance and I was still in school. After receiving the letter, she had called the insurance company to resolve the issue -- of course there was some back and forth with who to contact, but it was ultimately "taken care of" (so it seemed). fast forward to now, I do not go to school in Mass anymore since I had transferred to another school within my home state. I checked my credit score (I do this every so often to make sure things are all good), and it was significantly lowered. I check to see why this is, I see that there is a "collections" that made my score go down in May of 2025. Of course, I am panicking because the bill is $2,800 and I had no clue of this until today. I have to wait until tomorrow morning to call my mothers'/my insurance company and then the ambulance company to figure this out. I am very lost and unsure of what to do, Ive had no information of this billing until today -- all from a credit report -- nothing in the mail, no phone calls, not emails, nothing. I would heavily appreciate some advice and guidance. \*\*edit: I use blue cross/shield. I check my credit score often to make sure everything is all good, I am a student who takes out student loans. This impacts my ability to do this severely. I always make my payments on time (both credit and loans). I need advice bad.

My homeowners insurance company called me and told me I need to replace my roof and get rid of the t-lock shingles or they will drop me. Is it right for them to do that? The roof is in good condition doesn’t leak or anything. They are basically forcing me to get a good roof redone. Is there something I can do to have them help pay to where I’m not replacing on my own?

Location: Washington state, US I have a structured settlement with Navient from 2020 that keeps my payments at a specific rate for the duration of the loan. With the transfer to MOHELA processing payments, they have not been charging me the correct amount. I have notified the contact that I’m required to coordinate with several times. She has responded each time but it has not been fixed. I have only been submitting the agreed upon amount which means I am under paying and also cannot set up auto pay. I’m concerned this could impact my credit, but also if I miss a payment the settlement goes away so I really want to be able to autopay. What can I do here? Are there any legal repercussions from their side of the agreement if they keep over charging me? Or is this just my burden to deal with?

Back in August 2024, I rear-ended a 2024 Nissan Rogue, which then bumped into a Toyota RAV4. The damage seemed pretty minor at the time—both cars were able to drive away from the scene without any issues. I had $20k in property damage liability. Today, I got a call from Geico saying that the initial repair estimate for the Rogue was $3k, and they already paid out $3k for the RAV4. But now, months later, they say a new assessment came in after further inspection and the Rogue’s repair cost estimate is actually $14k. They also mentioned they covered rental costs for the Rogue. It’s been 7 months, and I’m just confused—why the huge jump in the estimate and such a long delay? Is this normal? Feels a bit suspicious to me. Geico also havenot told how much i have to pay out of pocket. They said they called me just to let me know. I am stressed and worried. What should I do?

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.