So my driving record is pretty good, all of my scores are at 100. Last month in June, I was getting on the interstate and had to pick up speed quickly so I got marked for acceleration and cornering. Those 2 events brought me down to 60 something from 1 time. Usually after I have an event, it doesn't take long for me to get back up to 100 as I don't like to accelerate as quick. It's been over a month with no other events and it won't go up. I drove yesterday and my score was 89 for acceleration and 88 for cornering. After my 3 trips I checked the app and hour later and it went up to 90 and 89. This morning I get back on and it dropped both to 88 even though I haven't driven since yesterday. I called 3 customer service lines and my local state farm representative and I'm getting the run around. My 6 months discount is for August so I'm wondering if it's doing this intentionally so I don't get as big as a discount when I'm up to 100 for everything.

I recently had a claim denied. For context, I lived in VA and had State Farm insurance for several years. Shortly before I moved out of state, my wife lost her engagement ring. I assumed that was just a total loss and didn't think anything else of it until I was setting up insurance in my new state, and they recommended that I talk to my old agent to see if it was covered. I then called my old agent's office in VA, and they told me that I should file a claim because that loss should be covered. Less than 24 hours later I get a call from the claims department saying that my policy does not cover lost jewelry unless it was stolen. To my understanding, having a denied claim can hurt me by causing future premiums to go up or making it more likely for me to be rejected for coverage outright. Is there anything that I can do to fix this given that the only reason that I even filed a claim to begin with was that they told me to do it?

Hello. Hoping someone can provide some advice on my next steps. The short version: I bought my house in 2016, at that time State Farm determined my house to be 5000 sq ft., it’s actually 2500 sq ft. Due to them thinking my house was twice the size my annual premiums were higher than they should be. This all came to light this week. My 2025 premium is now $600 less than originally charged. My agent is aware and admitted the mistake but has also told me there’s nothing they can do to recalculate the historical values of my house with the correct square footage. Do I have any recourse to get refunded for the past years I’ve paid the incorrect amount?

I noticed my bill in an email was way more than normal and checked my payment history only to find out it’s the second time they billed me for that amount since I missed the first time (I was on vacation). I called and apparently they added some random guy. I finally figured out it was a guy I had in my car when I volunteered at World central kitchen delivering free food to hurricane victims. This guy rode in my car once for half the day. They said they emailed me and sent regular mail telling me about the change. I never got them because the vacation. They will not tell me how he got added to my policy and at one point hung up on me and I did not raise my voice and was polite but firm in asking what happened. I still have no answer. And instead of refunding me the money they just paid my bill for the year with the fund they took. I pay monthly normally. I did not share phone info or have them track my driving with progressive so I cannot understand how they added this dude to my insurance. I remember this guy rode a bike everywhere and since my insurance went up so much I’m guessing he has a bad history. How did they add this guy to my policy? I’m planning to change insurance providers any suggestions? Thanks for any info

Is anybody else's Figo insurance going up 40% in 2025? My rate is going from $425/yr to $700/yr. I reached out to Figo and they blamed inflation of all things, saying nothing could be done about the price. I was told Figo was one of the better companies by all my pet owner friends & family, but they have never covered a claim and at these rates it would be cheaper for me to just put aside $50/mo. Really frustrated and looking for advice.

I currently have Healthy Paws for my 4 year old (soon to be 5) dog. She has been with them since Dec of 2023, - almost 2 years - and my premiums have increased twice so far (once after the first year and then once again because I moved and I've never hit my deductible yet). My policy covers 80% with an unlimited payout and a $500 deductible. I currently pay $73 monthly but when I first got my policy it was \~$58. I see a lot of posts on this forum about the premium increases from HP and it makes me nervous for the future, especially when dogs are hitting 10 and premiums are sky rocketing to unaffordable rates. My question: if you have an elder pet, what insurance do you have, how long have you been with them, what is your policy and how much do you pay? I've found HP easy to deal with and I like having an unlimited policy, but the premium increases make me nervous. What insurance company has comparable policies that don't sky rocket their premiums as your pet gets older?

Is there a difference in how United Healthcare covers their insureds if it’s through the workplace vs the ACA (marketplace)? I currently have UHC through my work and it’s not as bad as people say. I’m thinking about retiring early and getting UHC via the marketplace but I’ve been reading there is a huge rate of denials or delays for basic care. Is there a difference between the two? Anyone had UHC via their work and then switched to the ACA UHC?

I totaled my car and I was on fault even tho the other driver actually was also speeding, but after that Progressive told me they are only covering liability and not giving any money for my car since I was driving for work purposes, (I do patients visits, which for still counts as a commute). They argue that I did not specify that I used my car for "work" which in their policy options that options doesn't exist, and this is not tagged as for business purposes. I want to know if is there legal advisor or way to fight against it in Ohio EDIT EXTRA My policy only asks what the primary use of my car and it only gives to pick up one option. Doing visits is not even the 30% use of my car The primary use of my car is actually personal use and commute to my office, I only do in person visits usually 2 a day, but not every days of the week as I do also online visits.

I recently got into an accident, where I was the only one driving, and there was no one else in the vehicle with me. I was reversed into and the other person that was driving only provided me with their ID, no insurance, and they only had a temporary plate on that was expired. Key note: they were at fault and offered to pay for it but my car is 2024 vehicle so I need to claim diminishing value. My insurance after submitting my claim, reached out to them, but they have not responded. Now my insurance wants my excluded family members insurance information even thought they were NOT in the accident. I don’t think this is normal and a bit sketchy. Any thoughts or recommendations? I’m thinking of looking into an insurance client advocate or legal help if needed. For reference, I live in LA county California

I've had AAA insurance (home/auto/umbrella/roadside assistance) for 10+ years. I liked my local office/agent who was responsive. A couple years ago she died of cancer and now I am a "house account". Since then it's been much harder to get timely responses from the local office when I need to update insurance needs - new cars, etc. I've handled this by calling corporate customer service if I can't make changes online myself. My question is I've heard being a house account is bad because the agents don't get compensated for helping you. Is this true?