San Francisco CA, two crap cars, one driver perfect record (me), one 22 yo driver who backed into neighbor almost two years ago My umbrella went up from about $1050/yr in 2024 to $1982. Ugh. Crazy as the car and house is so much too. Thank you for any input!

Location: Missouri Alright long story short, I had a car accident earlier this year that totalled my vehicle. I had full coverage insurance that covered the majority of the auto loan I had. The other party, the GAP insurance is to take care the rest of my loan. I got a piece of mail from the GAP people saying the check has been issued to my lean holder on February 11th, was told it should take no more than 30 days for that money to hit that account. So I called my auto lender to ask what's going on, turns out the GAP insurance company sent the check to the wrong address, that was March 11th. 30 days since the initial start of the GAP claim, I called them again today, March 25th to figure out what is going on. Come to find out they issued a new check on March 18th which was last week. It's been 7 days, nearly 45 in total since my auto loan should of been taken care of but it hasn't and I haven't been able to get a new loan due to my current outstanding loan that the GAP insurance is supposed to take care of. Basically I don't know what to do at this point, I'm still paying on the current auto loan cause I don't want it to effect my credit but at the same time I no longer have the vehicle since it's been totalled and taken by my auto insurance, what do I do in this situation, is there anything I can do?

I wanted to share our ongoing battle with CNA Surety. Contractor licensing bonds are supposed to protect homeowners by ensuring that contractors meet their obligations and pay out when they don’t. But here’s the problem: CNA Surety claims they have no duty to investigate or pay out unless there’s a court order—meaning you’d have to sue and win in court first before any funds are released. This issue is now under review by the California Department of Insurance, which is conducting a broader market review. Redacted snippetof their stance: [CNA's Stance](https://imgur.com/a/xVNebbg) Has anyone here ever actually received a payout on a contractor licensing bond claim? What do you think is really going on with this practice?

Has anyone that has Nationwide (I know, I hate them for dropping so many clients and if my animals didn’t have so many conditions that would be considered “pre-existing” and not get covered elsewhere, we’d switch in a heartbeat) been experiencing issues with the website saying that the session has timed out almost immediately upon logging in? It’s been going on for me for MONTHS now and so submitting claims online is an absolute PAIN because it keeps logging me out.

In my naïve early 20s (single and no kids) I bought into a NWM adjustable CompLife policy. Then expanded coverage a few years later at the advise of my “advisor”. I haven’t thought much about it until now, when my new husband and I were looking at our cash flow. I’m now feeling that I need to stop my donations to NWM and be smarter with my investments. I’m not maxing out other retirement options (ROTH, 401), and I feel that would better serve our future. Here’s what I’ve got going on: CompLife policy #1 Started: 09/2016 Annualized premium: $1242.72 (Monthly premium: $103.5) Payments since sept 2016: $102 Total paid: $10,557 Net accumulated value: $7,244 CompLife policy #2 Started: 06/2019 Annualized premium: $1799.40 (Monthly premium: 149.95) Payments since June 2019: 69 Total paid: $10,346 Net accumulated value: $7,068 Total benefit: $500,000 Should I cash this out? Roll it into something else? I don’t feel like NWM has my best interests at heart and I don’t want to be throwing money at an inefficient scheme. TIA

I have a 2015 Toyota RAV4 and I still owe 12,000 on the vehicle, Just got it last year. with that being said I was in an accident on 3/6 and their insurance company wants to claim the vehicle as a total loss... my question is what if they don't give me enough to cover the loan? I am pretty stressed because the accident was not my fault at all. it is going to liberty mutual does anyone have any idea?

Hi! So I've enrolled into healthcare marketplace back in November, and I've hit a major health issue since then and my current healthcare provider is absolutely helpless and don't seem to care enough to help me ( I have Kaiser Permanente). Is there anyway I can switch insurances past the deadline (I know its so late now) but I'm quite fed up, and super frustrated. Any advice helps! Thank you for reading\~

Hey! I have a question. I reside in Tallahassee, Florida. I have one car here (2025 Toyota Corolla) and a car in Miami (2005 Toyota Camry). I informed Geico that the Camry is in Miami, and my sister is the primary driver. Geico informed me yesterday that they will drop the car from my insurance because they think that it’s her car (it’s my car in my name). They told me I needed the registration that shows the car is mine, and it needs to show the address where I’m at, which is the mailing address in Tallahassee (I go between Tallahassee and Miami). Anyone has been through this? Please advise.

Hello, I have Aetna insurance and my daughter was prescribed to go for hypoallergenic formula. I spoke with agents, doctor office submitted required docs and they received a fax saying it’s covered. They directed me to Coram where I can order fomula. Coram and Aetna coordinated and determined I’m covered at 100% Now, in my Aetna app the claim is denied and my share is $6536. I have not received a bill from the provider(Coram). I’m panicking Please tell me if I owe the above amount?

We were rear ended by an uninsured driver. Had to file with our provider which is USAA. Today we got the repair estimate and the car is being deemed a total loss. All it needs is a new rear bumper and an exhaust. Repairs after our deductible are $700ish. Looks like the payment to us is $280. We're freaking out a bit. His car is older. It's a 2010 Foed Escape with 150k miles. We knew it wouldn't be worth much but $280? After searching around in our area, they are going for around $3k. Is there anyway for us to keep it and fix it ourselves? My husband is a mechanic and can get all this fixed for less than $700 easily is there anyway to do this without getting a salvaged title? If not, what are our options with insurance coverage moving forward? We cannot afford to buy another car right now.