Hi. So I purchased a new car and am within a year of paying it off (I’m paying it off ahead of schedule) when I was at the dealership it was required that I had full coverage until the car was paid off. Now my question is, what could Honda do if I change my insurance company (I’m currently with the useless all state) and change my plan to minimum coverage?

So the story goes: My friend in Texas totaled his car by hitting a mailbox. He has Gap insurance from the dealership, and auto insurance from progressive. Auto insurance agent told him they're going to pay the dealership instead of him. Can friend demand direct payment to himself, as the policyholder? Can his insurance just send the check somewhere else like that? The gap insurance should handle everything on the dealership side, so I don't know why his insurance company would be giving the dealership anything.

# Update: Solved! Emailing customer support directly did the trick! Cheers to the awesome customer service reps who took the time to dig through old files and find my old policy based on my very scattered recollection of what email address or phone number it might've been associated with. Lesson learned: keep records, even beyond when you think you'll need them! Hi r/insurance, I'm currently trying to track down Letters of Experience from all my previous auto insurance providers in the US (to lower the cost of premiums in a new country where I've yet to establish much of a history of driving experience). I called Geico, who was my first provider from \~2006 to 2010 when I first got my license, but the customer service rep I spoke with said that any customer information that old would have been archived, and she was unable to find me in her system. (For context, after 2010, I moved abroad and relied on public transportation, so had no need for auto insurance — hence why I'm jumping through hoops trying to track down such old information.) Has anyone run into this? Did you have any recourse for requesting files be unarchived and a Letter of Experience generated? Any suggestions appreciated!

On March 11th, 2024, I had an outpatient surgery procedure done. Flash forward to today, April 8th, 2025 and I just received a bill for over $3000 for this surgery. The bill states that the surgery cost overall was $20,000 and my insurance at the time paid for ~$16,000. I was covered under United healthcare and this coverage ended about 5 months ago. Here are my questions: 1. Why am I just getting this bill now? Is this even legal? (I live in WI) 2. What would be the first step to getting this figured out?

I have comprehensive and liability coverage for my Class C RV through Safeco.The coverage is for full-time RV living. We've had a couple things happen. First, we had a tire blow out. This caused damage to the door to the LP tank, the shelf that holds the LP tank, and it literally blew a hole into our RV. It didn't cause any frame damage and the hole is in a location that doesn't make it a safety risk (it's under some drawers). When this happened, I didn't even think about insurance and that would continue for a while (mea culpa, I was really sick at the time). Fast forward a month. We'd just gotten onto I-90 near Utica NY when the bolts for one of our tires sheared off. We had to get towed and the next day the tire itself was fixed. There was some minor structural damage to the RV (cracked mirror oddly enough, a couple of dings on the back end) but then also began having cascading electrical issues: I can't confirm at this time but I think one of the bolts damaged something, most likely the RV's inverter. So I submit the claim for the tow, the repair to the tire and electrical damage, plus the damage for the tire blowout. We spoke to the adjuster the same day and she told us we should take the RV in for an estimate. We did that and the person who did the estimate told us that the insurance company would try to low ball us. Which they did. The adjuster knew we were getting an estimate as she'd asked us to. Meanwhile, they had their own estimator come up with some figures based entirely on the pictures that I submitted. And yeah, lowball they were - $1700 for the blowout damage and about $3500 for the damage when the bolts sheared on the tire. Each amount was less my deductible. That was yesterday. I sent the adjuster a text and told her the figures were very low, the labor rate alone was half what it should be, and the estimates seem to have some issues from the tire blowout damage and from the bolt shearing mixed up, so one of the estimates has some of both. No response. I know the company we went to submitted their estimate yesterday. But today, Safeco paid out based on their estimate. And they sent the payment to a random address that has no connection to me. I did email the adjuster and told her this isn't acceptable, it's not even based on an estimate by someone who has *looked* at my RV, and you send it to some address I've never heard of. I don't expect a response to that, either. So beyond the address issue, what are my options here? My RV is barely driveable and I live in it. I'm positive that the amount of damage to it is more than it's worth (it's an older RV). I am really discouraged at this point.

I currently have 3 cats. I've had policies with Fetch (previously known as PetPlan) for nearly 2 decades, and they have covered half a dozen different cats during that time, including my current trio. Fetch has never had the cheapest policies, and it always took a while for them to pay claims, but they always provided good coverage and did not engage in the scummy bait-and-switch practices so common to other pet insurance companies. All that changed Monday. To provide some background, two of my three cats are middle-aged littermates, a female and a male. The boy is generally healthy except for the occasional herpes virus flare up. He's had those since he was a kitten so Fetch considered them a pre-existing condition and has never covered any of those expenses. Fair enough. His sister suffered a serious illness in 2023 and was ultimately diagnosed with small cell intestinal lymphoma. Due to complications during the initial work up, she got aspiration pneumonia. She nearly died and had to spend 10 very expensive days in the ICU. She recovered from the near fatal pneumonia, but unfortunately the lymphoma is terminal and all we can do is give her medication to keep her comfortable and slow the progression. If we're really lucky we may get a couple more years with her. Since her diagnosis in 2023 she has had to see her vet every couple of month for blood tests because the medications suppresses her immune system and can have serious side effects. So, she incurs regular medical bills, but nothing near the expenses she incurred in 2023. Both cats had their policies renewed in 2024 with moderate increases in the annual premiums. Today I received my renewal documents for 2025, and I am absolutely floored by what Fetch has done: * **Fetch designated BOTH cats as high risk and forced them into high-risk policies.** * **The female's 2025 premium went up by about $75 to $1380 per year, but the deductible quadrupled to $1000 and my co-pay went from 10% to 40%!** * **Even though her brother has rarely been sick and never with anything serious, his 2025 premium increased by $817 to $2200 per year, his deductible doubled to $500 and my co-pay went from 10% to 30%!** I had expected the girl's policy costs might increase, but there is no justification for what Fetch has done with her brother's policy. I called Fetch to get an explanation and see what could be adjusted at least for the boy's policy. Their answer was, "Nothing." Take it, or leave it. This is how Fetch treats customers who've had policies with them for decades. Just a big middle finger. Fetch was bought by a huge private equity firm a few years ago and these predatory business practices are the result. Wall Street has been buying up veterinary practices and pet insurance companies with the goal of consolidating the industry into monopolies that will rob pet owners blind. For Fetch it's either pay up or put fido to sleep.

Hi, I’m new to this sub. My husband got brinks security system before we got married, few months ago I was going through our monthly budgets and saw $65 for brinks subscription for the cameras barely working and not recording anything when something important happened. For example somebody broke in to my husband’s car and camera didn’t record then I called them and they asked $1500 for cancellation because it’s 5 years contract.. I hung up and was planning to take it to small claim court but some other major life events happened and I didn’t think about it until yesterday when somebody hit my husband’s car in front of our house where the camera supposed to record but it didn’t.. I’m so mad and want to get rid of entire system from our house and don’t want to have any legal attachment to them anymore. How can I do that without paying $1500? Would small claim court fix this? I’m willing spend few hundreds if needed. Location: Augusta, Georgia Thank you in advance to all of you.

Just received notice of my policy increase for my healthy paws plan for a 4 yo dog. The new premiums are already beyond what I’m able to afford, but now they are going to raise the plan $10 more per month due to an address change. They did this last time we moved and said the new state was more expensive than where we lived previously, now we moved back to our old neighborhood and somehow it is more expensive than the previous state they said was more expensive than this. I’m frustrated because it seems like we are being penalized for moving, and now the plan is double when we started. Basically, it’s already stretching my finances, and I’m concerned about sustainability at this rate and how much they raise the policy every year. We barely hit deductible as is and only hit it once or twice in the life of the policy, never gotten much back in claims, thankfully (glad to not have had crazy issues yet, knock on wood) At 4, dogs can start to have other issues, and I’m concerned that other plans might have preexisting condition policies and not cover if other issues develop and we don’t switch in time. Any advice or other option recommendations? I like healthy paws because they are easy, generally pay the policy claims very fast, and I trust that their coverage will last. But given the costs, I’m not sure where too go from here.

Nationwide tripled policy and cut coverage 40% Last year they tripled my policy to over $3k, and just sent me a letter saying next year they are cutting coverage to 50%. Been with them for probably 5+ years. I am on a grandfathered plan that covered 90% and wellness, so basically everything (including food since prescribed). To pay triple the rate and then also lose 40% of my coverage is absurd, and they said they have no other options or plans to reduce costs. Monthly costs also only drop $30 which is a slap in the face. Any idea where I can go or what I can do to control costs? He’s a 12.5 year old “beagle” mix for reference and has cushings for background.

Hi, our new 2024 Tesla Model Y LR was declared totaled by Tesla Insurance and they are valuing the car at $39,451, which we don't think is fair. We bought the car in mid-Aug 2024, had only put 1316 miles before we were involved in a crash on Dec 03, 2024. We were at fault party (there was no other party involved) , so we filed a claim with our Auto Insurance which is from Tesla Insurance. We are in Fairfax, VA, but the valuation report uses for reference a similar Tesla in Apopka, FL, \~ 1000 miles away !. Btw list price of the Apopka, FL was $ 40,900 and it had 3904 miles on it. Also they have listed the Vehicle Condition as Good/Well Maintained across different areas. We do not know the scale Audatex (3rd party company who provided the valuation report) uses but our car was impeccably maintained and its condition was 'Excellent'. Need advice on how to fight back. Thanks. # From the Valuation Report: **Vehicle Condition** * Seats: Good * Carpets: Good * Int Trim: Good * Glass: Good * Headliner: Good * Body: Good * Paint: Good * Ext Trim: Good * Engine: Well Maintained * Transmission: Well Maintained * Front Tires: Good * Rear Tires: Good **Valuation Details:** * Price ( Comparable Vehicle, Apopka, FL) : $ 38,501 * Odometer Adjustmentd : $270 * Tow Hitch Package : $ 680 * TOTAL: 39,451 **Adjustments of Special Note** * An odometer adjustment of $0.1050 cents per mile/kilometer has been applied. This adjustment is based on the vehicle year, vehicle category and market area. Odometer adjustments are capped at 40% of the vehicle's starting value. * Typical miles for this 2024 Tesla Model Y in Virginia is 20,999. * No special adjustments were made for this vehicle. * All values are in U.S. dollars.