Basically, they screwed me over on an accident, failed to defend me when I was clearly not at fault, even according to the law. Showed law to the adjuster. Adjuster said "There is nothing you can do, or show me that will make me reconsider my decision." I said "even the law, sir?" He said "Nothing." Then tried to get my claim file a couple years after the fact, and they essentially denied me access and blocked my access to my online account by changing something in my name and changing my DOB. Filed for breach of contract, and their lawyer answered claim saying "he's not our customer", trying to pin it on the underwriter, who, as it turns out, isn't even the real underwriter! It's a fronting arrangement with multiple layers of shell companies.......totally not transparent. Complaint to DOI has been under review, but way past deadline for response or resolution. This is gonna be a fun project. Anybody run into something like this before?

Today our new 2025 rav4 got rear ended by a driver. It has 5000 miles on it and we just took it to get its first oil change and were given a coupon for free carwashes for a year. Decided to get a wash once we were done. The carwash place is one with a conveyor belt type of thing that brings the car forward. The signs said to go into neutral and let the belt do everything so we did. Suddenly we get banged from the car behind us. The worker at the carwash stopped everything and said multiple times it was the driver behind us at fault. She didn't go into neutral and instead stayed in drive and accelerated, causing her to "jump" the grooves on the belt and hit us. She kept saying she had no idea what happened. Our car isn't seriously damaged from what we can tell, the back bumper will need replacing and above that is dented. The other driver's car was fine, go figure. I did ask the witness/employee at the carwash for his name and if he had footage. He said the corporate office would have it. I do have a front dash cam that doesn't really show much but you can hear a loud boom from the impact. I'm hoping and praying my insurance company can see it wasn't our fault. I know we have to get everything repaired before worrying about a diminished value claim. I'm just wondering how this will all work. We exchanged insurance info and we both have geico. I submitted the claim but how will all this work with trying to get a diminished value claim? Will geico just say no since they're kind of "going against" their own company to try to recoup our loss? Sorry I just don't understand what to do.

Sorry this is a long story Late May 2024, my husband was rear-ended, his car totaled. We have full coverage, so we opened a claim with our insurance, the same evening as the accident. Police came to take report, which they found the other driver at fault. They included that my husband was injured but refused an ambulance. We went to urgent care the next morning and he was diagnosed with a concussion and told to not work or drive for a few days. The other driver claimed to have the same insurance company, but they were actually specifically written off the policy (some kid driving his dad's truck) so he's technically uninsured. We spoke to the insurance agent many times because we've never been in an accident and didn't know what to do or expect. We were compensated for the totaled car and mentioned we'd like pain & suffering to cover the missed days of work & such. And then we just left it alone, I assumed they would investigate and make an offer that would at least cover the missed work. After about 3 months, we got a notice that a new insurance agent was taking over. We explained that my husband had lingering brain fog from the concussion and had follow-ups with his doctor regarding it. Agent#2 sent an affidavit form to sign that we had no other insurance & medical release form for my husband to fill out. We had the paperwork signed & notarized, and both sent it by mail with the business return envelope given and uploaded it via a special link sent by the agent. Again, didn't hear anything for months. I wrote an email to ask if there would be a discussion about a settlement, again ghosted. Another few months pass and we've been transferred to a new agent. She wants to have a conversation, but at this point we're a bit fed up with all these conversations leading to nowhere. I asked if we could communicate by email so that there would be a record and heard nothing until today, when Agent#3 asked me to fill out the affidavit again. It's now been 9.5 months. I'm concerned about the length of time being taken to investigate my claim. I've answered every question I've been asked, signed every form. I've had 3 different agents. In each case when I ask about a settlement or offer, I get ghosted and then eventually passed along to the next person. I'm not quite sure what more is needed. I had many conversations with the first agent. Each time I emphasized, I'm new to being in a car accident, I don't know what's the norm, so now I'm beginning to feel like I'm being taken advantage of, like there is some bad faith going on with Progressive. I must say, I was pretty upset to see them ask for a form I've already sent months ago. Are we starting over again? I don't understand. I didn't get a personal injury attorney because this sub says you don't need one. What are we missing here?

Hi, Curious if anyone else has had this issue. From what I’ve read online, it seems to be a general theme with pet insurance and I don’t think I have any rights or avenues to pursue to do anything about it. I have had Embrace pet insurance to cover my 3 pets since December of 2020. My insurance premiums renewals for my pets, that I still have the records for have been: Dec. 2022: $112.90 Dec. 2023: $133.49 Dec. 2024: $245.76 My pets are obviously getting older from when I initially took the policy. Current ages: Cat (6) Cat (10) Dog (8) Their rationale for increasing my premium is cost of vet bills increasing, my “tenure” (I’ve had embrace 5 years therefore my pets have likely developed ‘pre existing conditions’ that would not be covered if I was a new policy holder which means more money they have to pay to now cover these conditions), and the pets age. I understand things increase year over year, I’m hung up on the fact that my rate has almost doubled in a single year. I was going to file a complaint with the state insurance commissioner, but it doesn’t seem that they are technically violating any laws. I feel like I can’t switch companies because my pets have “pre existing conditions” that won’t be covered at a new place but at $300/ month I might as well save my money and pay the vet bills out of pocket. I found online that Embrace was sold to JAB Holding company for $1.5 billion dollars in 2023. So I don’t think my premiums are going up so Embrace can keep the lights on. If you have any advice, I am all ears. If you don’t have advice, take this as a recommendation to avoid Embrace pet insurance at absolutely all costs.

Their advertising is downright misleading. Your premium does not go up as your dog ages. Sure, it does not, they find other mumbo jumbo to achieve the same thing. My premium has gone up 40% over the first two years (our boy was signed up as soon as we brought him home). Before deciding on Trupanion I did fairly extensive modeling based on real time quotes from them and their competitors. Trupanion came marginally ahead IN THE LONG TERM despite having substantially higher upfront premiums. The price increases I have experienced make the previous analysis null and void. I am looking for an alternative. Could people. With long term experience (ideally senior dogs) comment on possible alternatives? Thanks

Hey yall I was involved in a rear ending accident last week in Texas and when I called progressive (the information I was given by the person who hit me) they informed me that his policy has not been active for some time. I have now contacted my insurance and informed them of all of this and they are looking into it. Just curious if anybody has ever seen this or seen a fake insurance card? I tried googled and can’t find anything of this sort! It looks very legit. I imagine he will also be in trouble with the police in some way for giving false insurance to them. He already had 2 citations for having expired plates and hitting me. The cop informed me his insurance was good when he gave me the write up but I assume he didnt check as they said it’s not active. It was written up for 3 months from 7/2025-10/2025 which progressive says they do not even have policies for that short of a time. Seeking any advice for anybody who has been through this! I’m assuming I will end up having to file with my uninsured motorist.

Hi everyone- a lady hit me with her car and 2 others. There is a limits issue and the insurance adjuster said i MUST go through my insurance to fix the car. I don't want too - I would rather just get what I can and fix the rest out of pocket. The insurance adjuster said there's nothing I can do until hear from your insurance company. Is this true? They will 1. Not give me any money at all. 2. I HAVE to go through my insurance. My car is under my parents insurance and I don't want to touch their stuff. I don't care if I'm not at fault. This was only temporary until I got my own insurance.

I got involved with them on my 18th birthday, which was in November. I left at the end of December and told them I was moving to Houston. I got the life insurance policy when I joined since it was required, and I canceled it yesterday. Today, I got a call from the agent who recruited me. I told him I couldn't talk, but he said the contract required me to keep the life insurance policy for 17 months. I hung up, blocked him, and called my cousin since he also joined at the beginning of 2024 (recruited by the same person) and left shortly after. He canceled his policy as well. I told him about the call, and he said the agent called him too when he canceled his policy, telling him the same thing. He told the agent he didn't want it, and the agent said he would be sent to collections or something like that. I don't know if that's true but I don't know what to do.

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.

Attaching the response(s) from Healthy Paws' CEO and team, including mine back. You can't make this stuff up.... Original context: Protected Since: 06/08/2011 • Current Monthly Premium: $431.58 • New Monthly Premium Starting in 63 Days: $1,207.12 Oh- and they limited comments on their Instagram after I have been posting this increase there too.