I have been driving for nearly 25 years. I have nearly a completely clean record but didn't drive for a while up until a couple years ago. I am looking for any suggestions for sources to get the beat rates possible. Are there Any websites anyone knows of that are noteworthy? And trustworthy? I love my agent but I can't keep paying progressive $2000 a year (discounted 200-300 every 6 months for paying in full) for basic state minimum coverage (no collision etc)

How long does it usually take for PetsBest to reimburse you? For some reason, it says that my payment date was April 3, but I haven’t received anything

To start, I must say I am very familiar with contractual language, terms, etc. With that being said, I specifically combed through multiple providers agreements to ensure I'd have coverage for specific events. MetLife has denied all of my claims & appeals for of course, it having been a preexisting condition. That in itself is hilarious - during an annual checkup my vet and I were discussing how she's been and I mentioned a little sleepy that week but so was I and they diagnosed her with "lethargy". Either way, unless reviewing their policy certain tests and medications would appear to be included under coverage regardless. It's difficult to give specifics over Reddit, but I figured someone may be able to direct me on how to pursue this further.

So this is a bit long and involved. I’m a 25M who just moved back home to take over a family business after a family member was diagnosed with Alzheimer’s. We have a block of commercial units we rent out, most of them under one roof, and two units disconnected from the main building. In total we have about 75,000 SF of commercial retail space. Problem is when the landlord has Alzheimer’s they forget to do important things like carrying insurance on the main building with 65,000 SF. So I went to the insurance agency we’ve always went through for literally everything commercial or otherwise. They insisted for two months that I had coverage on all the properties (unfortunately I don’t have that in writing) despite being unable to provide a bill or declarations listing the units. It took me ambushing the agent at the office an hour away and showing her a map of the property for her to understand that despite the disconnected units being covered, the main building and parking lot carried no coverage. She had never even audited the property or looked at it on maps nor visited it. She finally says she’ll get working on adding the main units to the policy, and today she emails me right before she leaves to tell me there is no way possible for auto-owners to cover us as we have two restaurants on the property (my gf used to work as a receptionist at a different agency auto-owners does do commercial coverage for restaurants in my area). So now I’m stuck here with no insurance on a multimillion dollar lot because I get the feeling the agent doesn’t feel like rewriting the policy. All of my families coverage for everything is through this agency and auto-owners but the agency is incompetent at the very least and it’s evident I need to switch agencies at least. The only experience I have with insurance prior to this is renters insurance and personal auto, I’m really at a loss for where to start or what I should be switching around. Any advice or guidance is appreciated.

Hello, I have a very unique situation here lol. I am moving out of state where I will no longer need to use my vehicle. However, I don’t want to get rid of it and my girlfriend and I have planned to let her use it until her lease ends next year to move with me. So - the car is hers essentially in every way but legally and since I am still financing it I know I have to be on the auto insurance. However, the car is going to be used by her primarily and stored at her FL address. I explained the situation to GEICO and they said they couldn’t insure this situation since the car would not be stored at the owner’s address. Is this going to be allowed by any auto insurance or am I screwed aka need to find an alternative way to handle this situation? Thanks,

I live and work in California for reference. I left my job to seek treatment for substance use disorder and Kaiser is claiming that they cannot excuse me since I did not participate in their outpatient program. I met with a doctor every week and he prescribed me medication to detox at home from fentanyl and methamphetamine. However they claim that this is not considered to be under a doctor's care and will not sign documentation for those dates. Over the course of 28 days I detoxed three times and relapsed three times before they sent me to a third party inpatient program. I am new to the Kaiser program as of this year and they recommended I go through their detox at home and outpatient program instead of directly to inpatient in spite of my long history of substance abuse and my multiple stays at detox facilities and residential facilities. Currently I am unprotected for these 28 days but I am wondering if this is legal?

Hi, first time reddit poster, hoping for some advice. I got a new, much better paying job in Oct. Of 2023 and no longer needed food stamps or medi-cal. I updated my information in both systems (so I thought). California food stamps was difficult because it wouldnt update for some reason so I finally called them and told them to take me off the program. Now, flash forward to 2025 - I've received a letter in the mail saying I got renewed for medi-cal. I did not get this letter last year. And I haven't used medi-cal since I got my job. I checked the website and it still has my old jobs. I've had state medical insurance in Illinois and never ran into this kind of issue. What would be the best course of action to fix this? What kind of penalties could I face? Any suggestions would be greatly appreciated. I haven't updated the application on the website yet, I'm waiting to give them a call on Monday.

The accident occurred on 3/20 and was told they’re taking 100% fault. It all happened so fast, but I was on my way to work in the morning driving 45 in a 45 (it’s also dark and raining). I’m coming up to a 2-way crossroad where the guy’s road had a stop sign and mine didn’t. When I got close to the crossroad I see that he’s rolling up to the stop sign and I assume he’s stopping..because there’s a stop sign. Instead, he keeps rolling into the middle of the lane where I proceed to slam on my brakes and instinctively veer to the left to avoid him but I end up completely smashing the side of his car at 45 mph. I ended up missing that Thursday and Friday and returned to work on Monday since I was told I wouldn’t have to do much work. He ended up not even having a scratch while I have to go to the ER because I was so rattled and didn’t really know the extent of my injuries besides not being able to hear out of my left ear due to it ringing and sounding really muffled. I get a CT scan at the ER and was told that they couldn’t find anything major, so they sent me home with some muscle relaxers and a note for “light work no lifting” for work. A couple days later, I started feeling the extent of my injuries. Taking a deep breath, laughing, coughing, anything that expanded my rib cage or moved/put any pressure on my shoulder blade hurt really bad. My neck was stiff from the whiplash and I could crack my neck in ways I never had. My ear was still muffled with loud ringing and was very disorienting. This affected my sleep, work, daily activities like driving, working out, or even cleaning my apartment. It has been a week and a half since the accident and I’m still feeling all that pain. Albeit, not as significant and alarming as last week, but I still have a muffled left ear with some ringing, pain when my chest expands, shoulder blade pain, anxiety whenever I drive(which is a huge part of my job), sleeping issues, and as silly as this sounds, has destroyed my happiness. I got engaged the weekend before the accident and wanted the celebrate with friends the weekend after, but I wasn’t even able to leave our apartment to celebrate because of how much pain I was in. His insurance has offered me $2,500 for pain and suffering but I feel like that’s a slap in the face. I explained my situation to an attorney and he said it looks like they can make a decent case but said he couldn’t give me a number on how much he thought the case would be worth. So my questions are, can someone give me a ballpark estimate on how much I should negotiate for? & Do I need an attorney involved or is this a situation where I should fight the claim and negotiate myself? TL;DR I got in a high speed accident and his insurance is accepting 100% fault. I got out lucky but am still experiencing injuries like whiplash, some bruised ribs, shoulder blade pain, and muffled hearing. His insurance offered $2,500 and I don’t believe that’s enough for what I’ve gone through. How much could I counter offer for and should I get an attorney involved? Edit: I apologize, I did end up going to a primary care doctor last Friday but he told me the pain I experienced is common and went over the CT scan that the ER did and said “everything looks fine here”. I have an ear, nose, mouth appointment this Friday. Edit 2: I’m sorry if these seem like stupid questions, I’m just really young and don’t have any help outside of my mother.

I got a new puppy (7 weeks old). Got embrace pet insurance that same day. Took her in for her first vet appointment as a good pet owner should about a week later. Obviously this was still during the illness waiting period. But it appeared I had a nice healthy puppy. Turns out she has a heart murmur. First vet graded it as a grade 4 and told me to see a cardiologist. I went and got a second opinion and they graded it as a grade 3 and we are going to watch it and see if it goes away in the next couple months. Anyway, embrace pulled the SOAP notes from the 2 vets and are saying it's not covered as it's a preexisting condition. I plan on appealing it, even going to the California insurance board or whatever it's called if I have to because it seems like that is such BS. I'm being punished for taking my pup to the vet too soon. My question is, what is the best way to word the appeal to the embrace adjuster? It's not right that an 8 week old puppy getting it's very first exam should get that classified as a preexisting condition.

I currently have Progressive but they just jacked up rates without even a "hey we are going to raise your premium from next month". Erie Insurance is highly recommended but they seem to have strict criteria such as 3 year residency status (which is what an agent told me) hence am looking for other options. I am looking for good customer service - does not give you the run around when you need them. Decent prices. I am not looking for the lowest rates but at the same time something that is fair. And transparent. I kinda feel cheated by Progressive who slyly raised the rates. Am based in PA if that matters. Any suggestions welcome. Thank you.