My five year-old spayed female Pomeranian mix has been insured by Healthy Paws since I got her at eight weeks. They have reimbursed me for the full amount of my coverage within 36 hours every time, no questions asked, and our monthly premium has only increased slightly over the last five years ($40 to $45). However, I have heard a lot of stories about people who have had their monthly premiums with Healthy Paws increase by obscene amounts as their dogs get older. My pup does not have any history of medical issues so far—I am considering switching to something else while she is still young and healthy. Is that a good idea? What would be a better option? Any advice would be appreciated. We live in Los Angeles. Thanks!

I opened a discover card in college and misused it. I am now trying to gain control of my finances and increase my credit score. I have minimal financial literacy from my parents but trying to learn now! On my credit report it does not show up as in collections just as discover ~$3,700 balance but closed (12/2022). My last payment was made 12/1/2022. I called discover and they said the balance has been marked as charged off and to reach out to Radius Global Solutions. I am not able to pay the whole amount right now but was hoping to enroll in a payment plan when I originally called discover. I could also pay some in a mass sum. What should be my next steps? Thank you in advance!

My dog just turned 8 and her insurance with pets best doubled. Where im at financially is not great, im just able to get by with my exisiting bills, part of why i have pet in isurance, for the chance something terrible happens like a broken tooth or torn tendon or whatever may happen. Shes healthy. Has allergies but theyre not on her med record as far as i know. I just am trying ti debate if i should set the money aside each month for an emergency fund for her, rather than pay the insurance fee. My fear is something qill happen before i have a good savings, though i usually try to have $1000 emegency money for pet or car stuff, im not quite there yet atm. I have decent credit so if something happe ef im sure i can do a payment plan of some sort. Idk im just wondering if its worth it anymore at the price theyre expecting. My 3 yo dog is clumsy as hell so im keeping his insurance. I just know theres going to be a day he falls the wrong way and tears a tendon or something hahaha! Any advice is really welcome, im just so broke these days and i really want to find the best option that ensures my pup can get the treatment she may need in an emergency.

Hi everyone, On March 24, I was hit on the side of my truck from an individual. This was my first ever car accident, and we are in Florida. After he hit me, we pulled over to the side of the road and instantly I had a headache and my neck was hurting. I called the local police and they asked me if anyone needed medical attention. I stated that I had a headache and my neck hurt, but I was able to drive because I was still kind of more in shock and shook up about the incident and didn’t know what to do and wanted to get out of there. Dispatch told me unless somebody needed serious medical attention to just exchange information document the accident and file it with insurance. I got the older gentleman’s information took a video and a few pictures of the crash and left. Since that day, I have been living on ibuprofen because I have one of those annoying little headaches that won’t go away. I tend to go to get some x-rays and all of that done from medical but I was just informed from State Farm that the individual who hit me does not have bodily injury coverage. Unfortunately, I work in construction and build houses and flexibility and mobility are a key to my work. I currently am sitting in my bed and took the day off because it does hurt to rotate my neck and this headache won’t seem to go away. I’m new to all of this and any advice on what I should do next would be greatly appreciated. I really don’t want to have to come out of pocket to get myself back into working condition on something that I didn’t cause in the first place. TIA!

I filed a claim with my insurance company (Liberty Mutual) for wind damage to my roof back in early January. Now it's late March, and I still haven’t received a decision. The adjuster is not responding to my calls or emails. Meanwhile, my roof is in bad shape. I’ve had multiple roofers take a look—some warned that roofing material prices will increase 6–10% after April 1st (I confirmed this independently). I'm torn: should I go ahead and replace the roof now, or wait for the insurance company to respond? **Background:** * I live on the southeast of MA, where we had multiple wind advisories and high-wind warnings through Jan/Feb. * My roof is over 20 years old. After one windy day, I found shingles (including ridge shingles) in my yard. The attic started leaking during rain/snow, so I had to build a makeshift water catchment system. * I contacted two roofers. One said it looked like clear wind damage and advised filing a claim. * I filed the claim, and per the insurer's request, I had temporary tarps installed by the same roofer who suggested filing a claim. * The adjuster and their inspector came, acknowledged the damage, but said it wasn’t wind-related—claiming it looked like "mechanical" damage. They seemed skeptical of the roofer I hired(4.8+ rating with years of view history on google). * Waited another 2 weeks, they brought in a third-party engineer, who inspected the roof and told me he believed it *was* wind damage and saw no signs of mechanical damage. He submitted his report to the insurer. * Since then, another week passed. I contacted the engineer, who confirmed the report was sent, but said I’d need the insurance company’s approval to view it( so no access to the report). It’s now been over 10 weeks. I can’t wait much longer with such a vulnerable roof, especially with prices going up. I understand it’s an old roof, and some might argue insurance shouldn’t cover it. But it was functioning fine until the storm, and I *do* have replacement coverage. (Also worth noting—my premium is over $2,800/year.)

Had anyone else had a sudden very large increase on their auto insurance premium? I've had allstate for 1.5 years now, and it suddenly jumped up by over $100 a month with no changes. This seems to big a hike to just be rising insurance costs. Has anyone had a big increase as well? Or suggestions for what to do? I can never seem to get an answer from Allstate. One customer service person told me that Florida was having storms and this impacts insurance prices (I don't live in Florida). I'm thinking about just changing insurance companies :(

Looking for advice on dealing with an insurance dispute with prior insurance company. In July 2023, a hailstorm damaged my home’s Structural Insulated Panels (SIPs) that had rolled roofing on them. Company initially agreed the panels needed replacement because rolled roofing couldn’t be reapplied per manufacturer installation guidelines. They first classified it under Ordinance or Law (ORD) coverage. Later, they changed their stance, saying it wasn’t ORD, but still wouldn’t move it under Dwelling Coverage. They paid $5k but refused to pay the remaining $8,606 for full replacement. Key points: • Manufacturer guidelines require panels to be clean and debris-free before rolled roofing can be reinstalled — which wasn’t the case after removal. • During demo, water intrusion was found. FBFS says they don’t cover “water seepage,” but there’s no proof it existed pre-storm. • Multiple adjusters were involved. Insurance company hasn’t provided their “expert” who allegedly inspected the panels. • Delays in their claim process (over 1.5 years) worsened the damage. At this point, I’m debating whether to send a letter of intent (basically putting them on notice before litigation) to try and get the $8,606 paid, or just go straight to filing a lawsuit for breach of contract/bad faith. The whole panels had to be replaced because rolled roofing couldn't be reinstalled and needing to get the roof back to pre storm condition. The water intrusion found 1.5 years later has nothing really to do with the initial insurance coverage in my opinion. Has anyone dealt with this or a similar situation? Did sending a letter of intent work, or did you have to sue to get results? Will they say fine okay it'll cost us more if we do get sued even if we win and decide to pay the $8606 instead? Next, even though they closed the claim, I'm filling another complaint with the states department of insurance.

My son damaged his car leaving a parking lot. He didn’t tell us for a few weeks (he parks with the passenger side near the garage wall so we never see that side) and can’t remember the address because he was lost in a scary part of town. He definitely drove over something because the frame behind the front passenger wheel well is bent. Geico wants the address in case there is property damage. I’m pretty sure it was an abandoned lot and nobody cares about a piece of cement. I don’t even know what to say to them. I’ve explained the situation but they keep wanting an address. It’s a 2 year old financed car that we bought brand new and have been with Geico for 10 years and have maybe 2 claims. This is my son’s first claim and he’s got no traffic violations or accidents but this. He’s 25.

My cat is getting up there in age so now I'm trying to find a good pet insurance for her. I'm mainly looking for one that would also cover dental. I've been looking at Spot, but lots of people have said it's a scam, and from what I've heard AKC insurance doesn't cover dental.

I’ve had Pets Best for about a year now for my mixed breed pup (healthy overall, just minor stuff like an ear infection and some stomach issues). I’m paying around $60/month, and every claim I’ve submitted either got denied or barely paid anything. They called one thing a pre-existing condition when it wasn’t even diagnosed until after I signed up. Starting to feel like I’m wasting my money and might be better off just saving that monthly premium myself. Has anyone here actually had a dog insurance plan that helped when you needed it? Open to switching if there’s a better option but I’m kinda losing hope tbh.