We have home & auto bundled with the agency of the credit union that holds our mortgage loan. Every year, they wait until the last possible time to send our annual escrow payment over to the insurance broker. So much so, that we get warning letters from the mortgage holder that they will have to get insurance for us at whatever rate they can get it because we have not made our payment on time. I think the agent is getting more interest on our annual payment by letting it go 1 month past the due date. Is that a normal practice? We are never late with our monthly payments that combine mortgage and home insurance together. We have an outstanding credit rating (800+). Am I wrong to be furious with the insurance agent/agency? What can we do? I am kinda afraid to look at other options. We trusted this agency/Progressive to take care of us. On another note, our auto coverage has ballooned from our initial rate when we first switched to this agency. We are two retirees who drive about 3-5 miles a day locally for errands and to pick up and drop off a grandchild at preschool. We've had 1 total loss in 2022 on a 2003 car that was hit by a deer ($2,600). I checked with our 55 year old daughter. She pays less for her home & auto coverage with AAA. I want lower rates and better service, but I don't even know where to start. I'm afraid that I will make a mistake and lose everything by being undercovered or taken advantage of. I thought Progressive was the best. Help!

So I went to an insurance agent to enroll with kaiser through covered ca at the end of January because it wouldn't let me online and I was told I'd get my insurance card and stuff sent to me in a week or two well flash forward to today and I called kaiser to try and order an insurance card and they have no record of me at all. Called covered ca and same thing so I guess when I went to enroll through him it didn't work idk if he did something wrong or if it was a system error or something idk. This is my first time applying for insurance since I just got off my parents insurance and I'm not sure how to proceed. I'm not sure how to apply without covered ca and how much more it would be. Any suggestions I called the guy and left a message and haven't heard back yet.

just got non-renewal letter from liberty mutual. The reasons are the 4 claims in the last 3 years. All claims are from the repairs of a music instrument which I added as an addendum to the home policy. The 4 claims are <$1000 in total and the highest one is $400. As there are no duductibles and the liberty mutual customer service did not warn me of any consequence of these small claims, I just made the claims. I have quoted online 2-3 companies and answered "yes" when they ask claim history, they all rejected to provide coverage. Should I negotiate with liberty mutual to continue the policy by droping the instrument addedum? Or move on to a new company by telling them the details of these non-renewals and opt out the coverage of the instrument? With claims totaling less than $1,000, am I shut out of the insurance world?

I adopted a cat just under a year ago now. She is a domestic shorthair and will be two years old this April. While she hasn’t had any major issues yet, I grew up with family pets and know it’s only a matter of time before I end up with a $1000+ vet bill. I’ve been looking at pet insurance companies and reviews and none of them seem good? Either everyone seems to have major complaints about every single one or their coverage is really weird. I’m still going to get one, especially since I believe my cat is starting to develop gingivitis and as far as I’m aware, it hasn’t been noted by the vet, so I’m hoping it won’t be counted as a pre-existing condition. I was originally interested in SPOT but then saw that a bunch of people said they were a scam, so I started looking into others. The top three I’ve been debating between: Fetch, trupanion, and nationwide. I really like the price and coverage of Fetch, but I’ve seen a mix of both bad and good reviews on them. If anyone has any good/bad experiences I’d appreciate it, especially with cost/coverage changing as your pet gets older. Then there’s trupanion, which I love that they claim to not increase the price as your pet gets older, but I’m unsure about their deductible since it’s per condition instead of annually. It seems great for pets that develop chronic conditions, but maybe not great for illnesses and accidents that I’m assuming would each fall under their own “condition” and thus leave you stuck paying the deductible every single time. If anyone can shed some light on this I’d appreciate it. Last, nationwide was recommended to me by my sisters friends. For around the same price as trupanion, their coverage includes additional things like dental cleaning, wellness, exam fees, etc. I’m just worried about the price hike that might occur as my cat gets older. Please give any recommendations and/or experiences, either with these three or with other insurances you’ve used ♥️

For the past 507 days, I’ve been dealing nonstop with AAA Insurance over my BMW X5 M. In July 2023, my car was repossessed (shit happens), but I got it redeemed in September. When I picked it up from Sacramento, multiple dashboard warning lights were on, and it smelled like something was burning. I later found out the repo guy towed my all-wheel drive vehicle by two tires from Chico to Sacramento — completely destroying the transfer case. These types of cars are supposed to be flat-bedded. I got nowhere with the repo company, so I filed a claim with my insurance (AAA) and brought the car to BMW Pajouh/Courtesy Automotive in Chico. It was in their shop from September 11 to November 3 for repairs. Then in February 2024, it started feeling like my tire was going to fall off. I took it back to BMW Chico and got a rental car from them while they looked at it. A couple days later, Nick, the service advisor (not the same one who helped during the first repair), called and asked what the issues were. I had already told them that when I dropped it off, so I was annoyed. The next day, he called again and said, “Whoever did your transfer case didn’t do it correctly.” I reminded him it was their shop that had done the work, and it had been an insurance repair — so the claim should be reopened. A few weeks went by, then I got a call from the AAA adjuster saying the new estimate was too high and they were going to total the car. I told them I would be getting a second opinion from a specialty European shop. I wasn’t able to take the car there until the following week, but I made sure to notify both BMW Chico and AAA. Then a few days later, I started getting calls and texts from both BMW and CoPart, saying they needed my authorization to tow the car to CoPart (a salvage yard). I told them I hadn’t signed anything and had NOT agreed to the total loss — I was still getting a second opinion. Later that night, I went outside and noticed the BMW rental car was gone from my parking space. I ran upstairs thinking I had left the key fob in the car and it got stolen, but it was still in my purse. My daughter reminded me my spare house keys were in the rental, and they had an AirTag on them. I checked FindMy, and sure enough — it pinged at BMW Chico. I called the dealership, and the front desk guy acted clueless. I told him my AirTag showed the car was there. He suddenly put me on hold. A few minutes later, he came back and transferred me to Michael Mumbus, the director. Mumbus told me they removed the car because they don’t allow loaners past 30 days — but it had only been 29 days, and no one had said a word to me about any rental limit. The next day I went down there to pick up my belongings from the car. I came prepared and was recording everything. Mumbus got heated with me, accused me of “holding the key fob hostage,” and said I owed them $650. I had the key fob with me, ready to return it. Then he hit me with it — “Your BMW is gone. CoPart towed it yesterday.” Blaming AAA for giving the consent. They took my car without any consent or authorization. One of the staff members handed me a printout of the repair documentation. That’s when I found out they had installed a junked transfer case in my vehicle — not remanufactured, not OEM, just a used one from a salvage yard. And my insurance policy clearly included OEM endorsement, meaning it should have been brand new from BMW. That’s when I realized not only had they done a terrible job, they had completely violated my policy. I immediately put a hold on the car at CoPart, telling them they had no legal right to it. That gave me time to start digging deeper. Over the course of the year, I reached out to more than 100 lawyers. Every single one said no. They didn’t want to go up against AAA or BMW — said it wasn’t worth the fight. So I kept pushing. I requested every document from AAA and went through everything line by line. That’s when I noticed a payment made to CoPart for $7,000 in “storage fees” — which made no sense. I filed formal complaints with: • California Department of Insurance • Bureau of Automotive Repair And then — this morning — I got the call. AAA told me they had good news: • I can take my car to any shop that does mechanical work and paint (it was severely oxidized from sitting outside this whole time)— and they’re covering all of it. • They’re paying me $35/day for 507 days of loss of use. • They’re removing the salvage title and returning the clean title back into my name. • And… the car is paid off. DMV will take 3–6 months to process the title, but I can wait. I honestly don’t know how this kind of shit always ends up happening to me, but one thing I know for sure — I never stop fighting. It’s exhausting. It’s stressful. It feels impossible. But I do not give up.

Had 2 trees uproot one June 19th, one which put a big gouge in the roof and another broke a window in the family room. We have Erie Insurance, so this was in the middle of their IT outage. Luckily, we had ServPro button up the house pretty quickly. Erie was good with that, even though it took a week to get a claim number for ServPro. But after that, things have been moving at a glacial pace. Erie reached out on June 30th to say they were assigning a field adjuster. That adjuster finally showed up on July 7th. They mentioned putting the need for a structural engineer to look at the roof trusses, and they would put that in their report. They said it would take 2-3 days before the report would be shared with us. When we contacted Erie on Friday, July 11th regarding our report … our desk adjuster is out of office until Wednesday the 16th!!! Is this kind of timeline typical? I know the they had an outage. But it’s been almost a month since the incident. And between clearing the huge trees, the structural engineer, and time for the actual repairs … it will be at least another month before the house is repaired.

Location: Texas. I’m beyond frustrated. $700 was stolen from an Apple gift card in my Apple account, and Apple is refusing to refund the money. I’ve contacted support multiple times, and every advisor says the same thing — they can’t connect me to a supervisor, and there’s nothing more they can do. I provided all the evidence: the gift card purchase receipt, my account history, and the fact that the fraudulent charges happened without my authorization. Yet Apple won’t escalate the issue or involve their Apple ID Security team. I know gift card fraud is a common issue, but this money was stolen from my account, and I feel completely stonewalled. Has anyone had success getting Apple to actually take action on something like this? Any advice on how to escalate this further? This is seriously making me rethink using Apple services at all. $700 is a huge amount to just write off.

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).

Hi all, thanks in advance for reading this. My situation is this: I’ve started a new job that had 3 options for health insurance. All were blue cross blue shield. 1 option was no hsa but in and out of network coverage. 2 options had hsa’s but one had in and out of network coverage and the other didn’t. I figured I’d get the was with a hsa and no out of network coverage. BCBS is very common where I live and figured no issues. Well, my son had to have surgery but before hand, we gave our new insurance to all the doctors and they said they accepted it with no problems. After the surgery, we received a $16,000 bill with a statement saying all procedures are not covered because we didn’t use in network doctors. So I make some calls and come to find out the nearest doctor or hospital that is in network is 2 hours away! Nothing around me is in network!? BCBS told me I should have chosen the insurance plan with hsa and out of network coverage. I have a 18 month old and a wife. I can’t wait till open enrollment to change health plans… what do I do?

I've had pet insurance with Lemonade going on five years for my cat. I just had to submit a claim for her, but I'm super worried I'm going to get a rejection because the nurse took inaccurate notes. When we were discussing my cat's history, I said that her chronic gastrointestinal issues started after her first attack of pancreatitis 'shortly after she was adopted.' The nurse instead noted that her chronic gastrointestinal issues started 'right after adoption.' I'm super worried that this will lead to my claim being rejected and my former claims being marked as fraud. Her issues didn't start until about 3-4 months after I got her vet insurance, and that was after the illness waiting period had passed. They covered her pancreatitis when it occurred in March 2021, and I adopted her in November 2020. Does anyone have any advice on how to prepare for the rejection which I assume is coming? Is the only thing I can do is ask the company to review her old vet records and see how they don't line up with what the nurse typed before that moment? Any advice is welcome!