I am trying to understand my Farmers insurance homeowners liability coverage and farmers isn’t being helpful at all. Basically what happened is while my wife and I were out of the country, my child accidentally kicked my sprinkler line near the drip system and broke it. Long story short, it flooded a room in my neighbors home over about a 7 day period. They just kept mopping it up and hoping it would stop. I’m not sure why they let it go on for that long but they did. Anyway it ruined some of the floor and caused some moisture to settle into the drywall. It was about a 15 ft x 15 ft area of water damage. Will my homeowners liability insurance cover the water damage in this situation?

Hoping someone could possibly shed a little light on my situation. My daughter wrecked her car in front of our house on March 2nd. On March 5th Progressive sent the tow truck to retrieve the vehicle which they towed to an IAA auction yard to have it appraised. The appraiser went on the 7th. I spoke with someone from progressive on the 8th who needed to verify a few things. She said something about it being a total loss which at that time I didn’t know, which apparently she thought I had already been contacted. I told her I hadn’t so she said well I’ll just go over it real quick even though this isn’t my department. She said that it was a deemed a total loss and they valued my car at $8200 something (I don’t really remember the exact number) Little lower than I expected but okay. Anyway I logged into the app to check the status of the claim and I do see it’s a total loss but the only thing I see is the appraisers repair estimate for $8289 and the deduction for the deductible. Is that what they are actually valuing the car at? Or is that simply a repair estimate? We still owe on the car so I’m trying to plan accordingly. I’ve contacted our adjuster but have left messages with no return call as of yet.

Is it even legal for Healthy Paws pet insurance to increase premiums at almost 200% in CA? This is outrageously high!! Anyone experiencing the same? #healthypawspetinsurance

Hello, I adopted a rescue dog in November. I purchased Fetch insurance in March. They will not cover any anxiety meds or treatment for his anxiety due to it being "pre-existing". Early vet visits mentioned his anxiety . I'm pretty discouraged that this is being held against him. Are there any insurance plans that cover behavioral issues despite it being pre-existing. My vet even argued that my dog has Seperation Anxiety which is a different dx than anxiety and it was still denied.

I was rear-ended on the freeway (not merging, just came to a stop in traffic and the guy behind me... didn't stop). We exchanged info, I got an estimate from a bodyshop, he opened a claim with his insurance (a Progressive subsidiary). I also alerted my insurance that there had been an accident but did not open a claim. Now I got a message from Progressive asking me to answer questions about the accident. I know them asking for an account of the accident or even coming out to see my car is standard - but they require me to agree to arbitration and a bunch of other terms before even seeing what the questions are. I have no confirmation that the other driver filed the claim assuming fault for the accident so agreeing to all of Progressive's terms seems wrong before having more information. I would be fine emailing photos, my info, and an account of the accident to an agent but the other driver says he doesn't have the info of the agent assigned to the claim. Is it all automated to the point where there is no person that I can communicate with outside of this form?

I was driving east on 71 headed home for the day after work when someone pulled out from a stop sign on Albert Brown Drive. I was luckily able to maneuver around the person without making any contact with the vehicle however in doing so my vehicle spun out and landed in a ditch. Vehicle is totaled, my head was bleeding from a minor cut, cut on my leg, bruise on my shoulder, little bit of neck pain but the worst was the red mark on the back of my ribs and a coupled ribs being bruised. Sucks I had just bought the car not a month ago and was a fairly rare 1993 Volvo 240 sedan that was black on black with chrome accents, super slick car and I looked forever until I could find it. Geico called me and said how usually this is an odd case because there was no contact with the other vehicle however the driver and police report said it was his fault so Geico is wanting to offer me a settlement. they offered $2,450 as basically "we sorry" this happened and will still cover the medical expenses from the ER and the vehicle cost's. Just not sure if I should take the offer being the wreck caused me to lose two days of work at one job and haven't been able to go back to my other job since I don't have a vehicle. Also I have racked up close to 300 dollars on Lyft rides, plus 150 to have my totaled car taken home and have my girlfriend leave work to drive 30 minutes to get me and take me to the ER. Also missed one of my best friends birthday parties the day after the accident and haven't been able to go back running or working out since the accident. I'm debating on hiring an attorney but resistant since my medical injuries were not severe. Also I have no idea how much they will pay out for the vehicle and online says 2000-7000 just sucks cause I can't find another car like it and not to mention I just spent 600 plus dollars on parts for the car. If anyone has had this similar experience what did you do, did you take the initial offer, negotiate with the insurance company or go through an attorney. I greatly appreciate anyones advice and input. Also if anyone has a 2001-2006 Honda CR-V for sale that's what I will be looking for once this is settled.

My wife was driving and was hit in the rear driver panel and part of the rear tire in a hit and run. The car was drivable so it was not towed. The impact caused the tire to toe out however. For context, I had the specific tire that was hit replaced maybe two months ago. That being said, BOTH rear tires were worn down to bald and wire showing in some areas. Progressive has deemed that only the drivers side tire is eligible for coverage because it caused sidewall damage and that the tires are bald because it is a performance vehicle. They are also saying that a single tire being improperly aligned/toed would not cause any additional wear to the other tires. Do I have any options as far as getting them to cover the passenger tire? Is there a magic phrase or wording I need to use? I understand that a new tire is only around $250 to mount and balance but I feel like this is something the insurance should cover given the circumstances.

I have State Farm and pay about $750 monthly for my several cars and teenager. Every carrier I quoted with (the major ones that everyone knows) All wanted $1,100 or more per month for exact same coverage. These people are crazy!!! The $750 I think is already too high. 3 cars, 1 truck, 2 adults and a teen. No accidents, tickets, or claims for anyone, ever. Going to try a local broker tomorrow. Maybe they can help. Are other people seeing the same crazy differences when getting a quote? Any good experiences using a broker and anything I should watch out for? Never used an independent broker.

Hey everyone, This is a follow-up to my earlier post about trying to cancel my Wawanesa auto insurance (I’m the guy paying $750/month for a commercial plan meant for Uber Eats, which I barely do anymore). My regular broker had gone silent for a while, but I finally got in touch. Here’s the update:- My broker confirmed I can cancel the policy early. However, he says I’ll have to pay two months' worth of premium upfront as a penalty — that’s around $1,500. The new policy I’m eyeing (with TD Bank) is non-commercial and about $450/month, but they also require 2 months paid upfront to start coverage — that’s another $900. So basically, to switch policies, I’d need to cough up $2,400–$2,500 upfront, just to get out of this $750/month cycle. Now I’m stuck asking myself: Is it even worth switching, or should I just suck it up and keep paying monthly till my current policy ends in November? Will I even save enough in the long run to justify the upfront hit? Has anyone else dealt with a similar situation — switching from commercial to personal auto insurance mid-term? Any creative options or negotiation tips I could try with either Wawanesa or TD? I’m still trying to be financially smart here — just don’t want to end up spending more just to spend less later. Appreciate all your input!

Over halfway through pregnancy. Blue Cross Blue Shield of Texas on Monday stopped the majority of my local hospitals from being in network. Was told to fill out a continuation of care and I would be fine. I’ve called BCBS customer service and have received either non-answers, or have been told that since I’m pregnant, the only thing they will cover is my OB’s costs. That means: labwork would be out of network, my hospital/facility fee would be out of network, my child’s care would be out of network once they are born. My OB only delivers at the out of network hospital system. I’ve been trying really hard to find someone that is in network in my area to take me as a new patient due to being so far along. Any insight?