I was rear-ended in late January by a driver insured by Maryland Auto Insurance. I filed a claim with my insurance company (Progressive) who deemed that the other party was liable for damages. I reached out to both the other insured and MD Auto Insurance, and was given the run around for over a month— with MD Auto Insurance saying that their insured had not been returning their calls and the other party stating that MD Auto Insurance was not answering their calls. Progressive got involved and tried to call MD Auto Insurance 2x after I basically begged them to, and they weren’t able to reach them and gave up. I consulted some lawyers online to see if I had a case, and they all recommended using my insurance (i.e. paying my $750 deductible for the damages, Progressive paying the rest and having Progressive attempt to get my money back through subrogation). I spoke with Progressive who said that not all subrogation attempts are successful, and that they most often aren’t… meaning that my desuctible would just be lost completely. I ended up going that route because the damage on my car was such an eye sore. I paid $750 and Progrssive ended up paying $761 (total cost of repair was ~$1,500. The repairs were completely last week. Today, I received an ~$1,800 check from MD Auto Insurance for the damages to my car. They did not call me at all to accept liability or tell me that they were mailing a check. So now, I have an $1,800 check to cover the damages though the car has already been fixed and I have paid my deductible. Should I tell Progressive about this check or should I just cash it without telling them? To be honest, Progressive really pissed me off when they wouldn’t assist me in talking to MD Auto… they called twice and gave up so easily while I called multiple times a day for weeks. I’m afraid however that in the subrogation process, MD Auto Insurance will tell Progressive and then MD Auto will adjust the amount (they estimated $1,800 in damages, but the repair was actually $1,500), and I will lost that extra $300. Other possibility is that the subrogation process will fail because MD Auto rarely answers the phone and has such a long and terrible phone system, and Progressive would close the case and I would be allowed to keep the money in total. What should I do? TLDR: I was rear ended, other party gave me the run around to avoid liability, my insurance paid (after I paid a $750 deductible), and I just received a check from the other parties insurance. Do I let my insurance know?

Hey Reddit, I’m a 27-year-old male, single, no spouse or kids, living in Mississauga. I moved to Canada last year on PR, got my G license, and financed my first car (Honda Civic Hybrid 2025) in late November. I’ve had Wawanesa auto insurance ever since, paying $750/month through automatic withdrawal. Here’s the full picture:- I originally got this car not just for personal use, but also with the intention to do Uber Eats. I wanted to stay completely legit, so I was upfront with every insurance provider I contacted. They all told me that due to my lack of Canadian driving history, I wasn’t eligible for regular commercial insurance. So I went through a broker, and he found me a commercial policy with Wawanesa that would cover Uber driving. I also have a main job just 30 seconds walk from my house, and I have a couple of major licensing exams coming up, so Uber is going to take a backseat for the next few months anyway. That’s why I’m thinking of canceling my insurance or switching to a non-commercial plan, but here's the problem:- I’ve heard that canceling before the end of the term means Wawanesa could charge a short-rate cancellation fee, and someone said it might total around $3,600 upfront in my case since my policy started around November, 2024. I simply don’t have that kind of money in my account. If I don’t cancel, they’ll just take another $750 in the first week of April, as usual. Also worth noting:- I have a clean driving record since getting my G license here in Canada, except one camera ticket I got in Brampton for going 7-8 km/h over the limit. I’ve used TD Bank’s auto insurance calculator and it showed that I could probably get a non-commercial plan in the mid-$400s—which is way more reasonable. The broker who arranged my current plan hasn’t been very transparent & hasn't even been responding to my calls or texts recently, so I’m planning to contact Wawanesa directly when their office opens. So here are my questions while I lose sleep over this:- 1. Any preparation tips on what I should say or talk or do on my upcoming phone call with Wawanesa? (I'm completely new to all of this) 2. If I cancel now, will I still be charged the full $3,600 upfront? 3. Can I negotiate or pay the cancellation fee in installments? 4. If I do cancel, what should I look out for? 5. Is there any way to downgrade to a non-commercial plan instead of canceling altogether? 6. What would you do in my situation? Any personal experience with Wawanesa or brokers? I know I should probably just call Wawanesa and ask all this, and I will once they open. But since I can’t sleep and this is really stressing me out, I figured I’d toss it out to Reddit too. Appreciate any advice you all have. Thanks!

I was just informed that my progressive home policy will be dropped due to the condition of my detached garage's roof. They want to see a signed contract to demolish the structure or replace the roof within "the immediate future." The problem is, we are working with a contractor and engineer to plan and permit a new 2 story garage/living space in its place and that process will likely take at least a year before breaking ground, maybe more. It would be a huge waste of money to re roof a structure that will be demolished and would be a huge inconvenience to demolish the structure over a year early. Does anyone know the magic words to say to impress upon them that the structure will be torn down. Or is there any way they can exclude that structure from my policy? Or am I SOL and should start shopping for a new policy?

hey all, I was with nationwide insurance for my 2 young cats for the past 2 years. Never needed to use them but the $50 a month was worth it for me. Yesterday I found out they discontinued the ‘whole pet plan’ policy they were signed up for in my state and did not notify me. They cancelled it end of December with no email/call/correspondence. They created a new policy similar to their original and discontinued the one my cats were on. I went in to double check the illness coverage for their policy because I was about to bring in my sick cat, and that’s how I found out they cancelled his coverage. I spoke to 3 different people and their supervisors for hours and they refused to reinstate their coverage on a different plan until the 2 week waiting period was over, and didn’t take any accountability for their failure to contact me before/during/after they cancelled his coverage. My cat is now entering early heart failure and the testing to diagnose what type will cost over $5,000 to get him into a specialist. He’s only a 5 year old cat with no signs of a heart murmur/heart and liver issues until yesterday. As of now, he’s on various medications to try to stabilize him until he’s healthy enough for an echo exam. I chose Nationwide because they appear to be a reputable insurance company in other regards, but I will never be enrolled with them again in any capacity. I’ve never really written a review on any experience that I’ve had because I feel like everyone has different experiences. PLEASE do not use this company for your pet insurance. I don’t want anyone else to have to go through what my cat is facing and the likelihood he will have to be put to sleep in the coming days. It’s devastating and the fact that there may have been a different outcome if he was able to get all the testing in the world without financial issues is something I’m going to be thinking about forever, which is the reason pet insurance is so vital for any animals we own. There are so many other insurance companies that will do better and care for your pets and nationwide isn’t one of them ♥️

I bought my house in 2019 from my father. He says he had the roof replaced in the last 10 years or so but doesn't have any documentation of it. When I started my policy with Allstate they sent an inspector out to inspect my house and issued my Policy. Last month, we had a bad hail storm that damaged my roof. When I tried to file a claim for it they are asking for proof of age roof, which I don't have. Shouldn't this have been asked for back in 2019 when I originally got the policy? Do I have any recourse in this situation? TIA!

I knew this was coming from seeing it happen to others but I got my policy renewal notice and our annual cost went from $347 to $505. I know this is far from the worst increase but it is still annoying. He hasn’t had a claim since 2023 and is only 4 years old. Is there anything I can do or say to them that might get this lowered a bit? I worry what his premium will look like a few years from now if they continue with increases at this level. I also am bringing home a puppy next month and have been going back and forth about insuring them through PetsBest or trying something new like AKC or Trupanion. Any thoughts on that?

Wife got into an accident. She was stationary at an intersection. Other car turned into her. Our car 2013 Elantra suffered a cracked bumperl We took it to Maaco ..they estimated 2115 or so. Progressive accepted responsibility. Like a fool i verbally told them I would accept cash settlement, They sent me their estimate which was $915..yikes....havent received check yet.....do I have any recourse?

I decided to give it a try but after downloading the app and reading the permissions and tracking that clicking "I accept" will give State Farm - I just can't do it! = Uninstalled! They can keep their 10% discount! If you start reading what you're agreeing to, you are giving State Farm access to EVERYTHING and I mean EVERYTHING on your phone including access to your Google accounts, text messages, photos, (24 hours a day 7 days a week whether you are driving or not). You are also giving them permission to do things "on your behalf" (meaning you will be financially liable), like calling a wrecker if the app thinks you've had an accident. I read enough to decide that it's not for me!

Oh where to begin. I filed a claim on progressive app on Monday got rental sorted and repair rep as they call them goes to body shop and spends four hours only to argue with body shop they feel the rear door is “repairable” when this is hardest hit part of my claim and literally metal chunks missing out of door but they’re agreeing to replace only passenger side door. Any one have similar issue with progressive ? If so how did you handle escalation. I basically got into it with the repair rep when he called me to say they’re only going to pay for one door to be replaced and that worst damaged door would be repaired. I’m like how do you repair something that is completely busted. Not to mention the rep had audacity to ask my body shop to remove the opposite side door so he could compare. Is this normal pushback bs progressive does on this situation? Or am I just this lucky to get a complete jackass of an adjusted Thoughts and advice welcome!