Ok, progressive is sending me a massive rate hike for next month, and i've had it. I need the literal cheapest option, for insurance prices , here in CA. Its insane. I cant pay 1000 a year for a crappy car, so i need the affordable answer. Hope someone has answers out there. hope.

My 2024 Hybrid XLE Rav4 got pushed into a ditch while on the freeway with less than 7K miles on it. Opposing driver did admit fault and the car's recently been repaired. Subrogation is completed and I received a refund for my deductible. I have the total cost of repairs receipt equaling out to around 15 K and currently have one of my friends who works in finance at a dealership pulling up some numbers to compare my car pre-accident value and now. I have the police report and some pictures of damages. I already hit up progressive and they essentially just said to send whatever it is I have over but I feel like there should be more to it. If anyone knows anything about this and is willing to help, I'd appreciate it. 1. Do I absolutely have to get an appraisal and spend money on a report?

This is a bit lengthy, but I would genuinely appreciate help figuring out this (apparently) complex and unusual situation. My car was parked in a spot next to my house when it was damaged by a van. I happen to have video showing the entire thing, and there is no question that the door of the other vehicle caused the damage - police and insurance company have made that determination. Seems simple enough BUT my insurance company is suddenly all flippy floppy over who is at fault. The van, which was disabled, was unloaded from a tow truck. While the owner of the van pushed the vehicle, the tow truck driver steered the van backwards from the bed of the truck into the parking spot next to mine. While he is steering and looking over his shoulder, the van’s driver’s door is open and grinds into the rear side of my car. Both of them pause when the door hits my car, looking at each other like “whoops… let’s pretend that didn’t happen”. Neither of them notice my camera, and they do no leave a note or contact the police. That is super rude and illegal, but not likely relevant to this post. So, Henrico (VA) Police Officer files a report and says the tow truck driver is at fault. I assumed the owner of the van would be responsible, but two friends of mine who are attorneys also believe the tow company is responsible. When I contacted the towing company, they sent someone out who said they weren’t admitting fault, but if the company’s owner reviewed the video and saw that what I told them is indeed what happened, they would prefer to pay out of pocket rather than go through insurance. Not once did they say anything about it possibly being the van owner’s responsibility. My initial communication with my insurance company supported what everyone else said: the towing company is responsible. Their next step was to contact them and get their insurance information. After not hearing back from them for several weeks, I called this afternoon and asked for an update. The first person I spoke with said it looked like my adjuster had only done one thing since my claim was filed: type a note stating the towing company uses the same auto insurance company that I do. She looked through all of the evidence I’d submitted and, after viewing the video, she said she didn’t understand why this had not already been resolved. She then gave me the phone number for my adjuster’s manager. I get ahold of the manager and I asked her to please let me know what’s going on, and if there was at least a new claim against the towing company in motion. She said “I think this needs to go through the van owner’s insurance. The tow company’s insurance isn’t going to pay this claim”. She said she’ll call me when she’s had time to thoroughly review the claim. I would love thoughts from anyone who has worked in auto insurance, has had a similar experience, is a professional or recreational attorney, loves deciphering motor and insurance laws, or is just hella good at navigating these issues. *I’m in Virginia*

Just a little PSA for people who weren't aware, when you move you may lose access to your old policy. I've had my policy for 2 years and in that time one of my cats turned 15. because I'm moving, they are charging me a deductible again and also won't cover my cat on the same plan anymore due to age. I'm going from 80% coverage on an unlimited amount to a cap of $2,500. in a HCOL area. I'm obviously devastated but just wanted to share. might have chosen a different place to live if I'd known how screwed I would be.

So a few years ago Freedom Mortgage bought my Mortgage from Veterans United. I qualified for a VA rate adjustment at some point down the road and they were very helpful to set up a payment system where I am paying money every two weeks shaving years off the amortization schedule. The problem arose when we had water damage to my house during a storm. After getting the insurance figured out, there was mold involved which made things tricky, I had a large check which was going to be used to pay the final contractors to put the house back together. The check was sent to me, I signed it and sent it to Freedom because it was large enough to require the involvement of the mortgage company. The problem arose when they kept moving the goalposts and demanding more paperwork, more inspections, and more reports. After nearly two months of providing them with everything they finally cut a check, for less than the originally cited amount. I was told the amount was less because they withheld money which had already been paid. They said if I wanted more money I could either give them an itemized list, down to the nails, of every penny I am asking for or get an inspection at my expense to confirm the work hasn't started. Freedom is holding my money hostage and making every step of this process impossible. I cannot stress enough to get as far away from this company as possible. The only reason I am still with them is my 2.25% APR. The scariest part is their inability to tell me what they are going to do with the extra money once we are done.

Location: New Mexico, USA Hello, I work at a bed n breakfast. I make $15/hr, work about 20-25 hours per week with some fluctuations, 3-4 days per week, and will not work for 2 months out of the year when it is closed. I live nearby in a camper off grid. No criminal history. My employer pays in cash and does not offer health insurance or any benefits. I am working to apply for medicaid since my application for insurance through the marketplace flagged as possibly eligible for medicaid. They said I need a letter verifying my hours and wage from my employer. When I asked my employer for this, she said she didn't want to because of not wanting to draw attention to the business. So now I'm stuck without health insurance and wondering what to do. I am thinking that she may not be running the business legally on her end after this since she said she didnt want to have anyone from the state asking about the business. I am wondering, if I contact medicaid and inform them of this, will the business be audited and ruined? She is very vindictive and I just want to be cautious about my next move. I want health insurance of course, but it is a very rural area and the only business for 35 miles in any direction, so a lot of people rely on it. Should I just quit? Should I just get coverage through the marketplace? I don't really have much money so I would like to try and limit my expenses. Thank you for any information or advice.

Seeking advice. I had an accident very recently where the other car hit my car while doing improper lane change. Even the police said by seeing the dash cam video of my car that the other person was at fault, I called my insurance company in order to report the accident but they filed it as a claim without confirming with me first. Even though I told them I don't want to use my collision coverage as the accident was not my fault, they still filed a claim without confirming with me first. The claim was closed next day without any pay as they suggested to contact the other person's insurance because I am not at fault. Now I am afraid that this claim will increase my insurance rate from now on, what should I do now? How much it might increase? Is there any way to remove it from the record? Any kind of suggestions will be appreciated.

Sorry in advance. My minds a mess and I feel like venting to reddit might give me some insights and make me feel slightly better. I was in an accident recently with two cars. I was stopped at a stop sign and one car made a left turn in front of a car going like 90 mph straight. The straight lane car hit the turning car and bounced off it right into my driver side door. He smashed my car hard enough to push me several feet over a curb and through a chain link fence (maybe 15 feet?). I crawled out of my passenger side door as fast as I could because the car that hit me caught on fire quickly. His car was maybe 5 feet away from my door after the impact. The left turning car and straight car both went to the hospital by ambulance. I got picked up by my fiance and went right after. I've been talking with the at fault party insurance company and it's abundantly clear to both parties I was zero fault. They came to an agreement of 65(turning car) - 35 (straight car) for fault. My life is

Hi. I was recently informed that my Covered California Blue Shield insurance was canceled because I was automatically enrolled in medi-cal despite not applying. I’m currently employed so not sure why this happened. I paid out of pocket for my previous insurance because it covered a very important medical procedure that I need. I am really desperate to reactivate my old insurance because it’s very rare to get health coverage for this specific treatment. The clinic said it’s very surprising that Blue Shield covered it. I have been told to go to the county office and request medi-cal be canceled. Should I have an easy time reactivating my old insurance afterwards? Thank you.

I recently settle down with Geico for an auto damage cost and they sent me a link where I can put my banking information for direct deposit, despite verifying with the bank about the entered information being corrected the website still shows "please verify the information for accuracy" I even used a family members card which didn't work, so then they automatically issued a check which never came despite being more than 10 days, I called them again and they said there's nothing they can do but issue a new check or redo the direct deposit which I did and still failed to verify the banking information, I suspect this is a system error, I'm currently waiting for the second check but I'm very anxious whether the check is gonna come or not? What should I do in this situation. Geico isn't able to track where my check goes