Hi, I recently had an experience that just baffled me and I was wondering if this is normal. I was with State Farm for decades before I realized that they really did not care about my loyalty and would give new customers a better deal. At that time last year, I switched to progressive. I really liked their online format. It was easy to use. I could pick out exactly what coverage I wanted for what vehicle. At my first renewal, my premium went up by $20. One of the reasons I switched companies is because I felt that I was taking advantage of by State Farm over the years by increasing the price here and there. I called them to inquire why and I was told that it was some kind of new customer discount that could no longer be applied to the policy. It sucks, but I shrugged it off and renewed. I recently was up for renewal again and this time I jumped by $70. I have no accidents, no tickets. There are five cars total on the policy. I called them about 20 days before my renewal was due. I spoke with a representative. Long story short, he said that he was able to get it back down to the original price and I would have to call him at the beginning of March to apply it to my account. I tried calling leaving messages for about 3 to 4 days and was not able to contact him so I just contacted the regular number. I had a reference number that I was able to give the rep to look up this new quote. They acknowledge it and as they are issuing the policy, they press some button and it magically goes up by $100 now. It cannot be undone and it pissed me off. I told them I no longer wanted to renew with them and I would find somebody else. I ended up using a online broker tool, and it led me back to progressive. Where I proceeded to input all my information and not only did they give me a quote, but this quote is cheaper than my original quote last year for the same exact coverage for 5 vehicles. So are we just supposed to be applying as a new customer every single year for policies? Overall, I ended up saving $475.

I’m confused and need some advice on my current situation. I was involved in a rear end accident, not at fault. Car is drivable with a minor dent in the trunk and paint chipped. The facts: - car is a 2014 Lexus es 350 - The person at fault has Liberty Mutual - initial estimate from their in network shop was $2100 - after they began working on it the supplement charges ended up close to $8700 after being in the shop for about a week and having a rental Today I got a call saying that the car was deemed total loss because cost to repair is over the 75% threshold. I still owe on it the car. What options do I have? Could I take it to another shop to get a lower estimate? There current labor charges were over $5k. I feel like as the victim of this I’m still getting the bad deal by not only losing my drivable car but also potentially paying out of pocket for the gap and rental. What should I do?

I was hit by a Lyft driver back on 11/17/2024. They didn’t check their blind spot and merged into me on the freeway. My car’s front bumper is cracked and messed up, I had to change that tire, and my windshield wiper fluid tank is cracked. I don’t have proof of the accident but I filed a police report as soon as the incident happened and I recorded the situation right after. I think it’s very obvious (from the damages and location of the accident) that her car hit my car. This problem became complicated because they were using a Hertz rental vehicle, not their own car. The driver gave me their insurance information and she claimed that she bought “extra insurance” to cover incidents. I come to find out, her Hertz insurance doesn’t cover the incident because she was driving for Lyft? And Lyft is now saying, “If we agree to pay for some or all of your property damage on behalf of our policyholder, we will only consider reasonable rental expenses, for a vehicle comparable to the damaged vehicle, and/or reasonable storage expenses for reimbursement.” Does this mean they will not be paying for any of my actual damages?? I unfortunately do not have collision coverage, I only have California state minimum requirement. I’m looking to switch but full coverage was just way out of my budget at the moment ($400+ per month). Please help :( I don’t really know what to do next. I’d appreciate any advice!!

I am.in south jersey and I am looking for a new car insurance i have plymouth rock and they just doubled my car insurance to 400 a month for one car.

I got auto insurance through progressive and was given a good quote so I sent in all the info I needed and got insured. I then bundled my home insurance because the price was so good. A month after that the auto insurance got canceled. They said that my license was not valid. When I asked for proof of this they said they had none. The state had just notified them that it was invalid. My license is valid and I even recently got a notification letter from the state to renew my license because it expires later this year. Now my only option was to start another policy with them and this quote was more than double what my original quote was. I feel like I got scammed to switch over.

I was rear ended by a driver with an out of state license, but his truck is registered in this state (Texas), he seemed to be a shady individual as well to me when dealing with him. The police came and wrote a report but it didn’t technically put him at fault even though he rear ended me. I did however get him on video admitting he was at fault. I filed the claim with his insurance, but it was a slow response from them. I went ahead and filed with mine to get the ball rolling because I needed to get it fixed. Well turns out that was a good move because come to find out he wasn’t covered by his insurance company at the time. So basically he got away with having no insurance when the police arrived because he had a paper saying he did. My question is now that my truck is fixed and back to normal, I received a diminution in value evaluation form from my insurance company for me to fill out. Is this to provide a compensation due to my truck now losing some value to the accident? It had never been in an accident previously so what can I expect towards compensation based on the value of the truck. Its KBB value ranges from $15-$19k. It’s in excellent condition though. How would diminution work according to that? Will my insurance company send me a check or something? Also on a side note, can I contact the police to inform them that his insurance company called me and said that he was not covered at the time? Could they pursue a ticket to him even though he has an out of state license?

Hi everyone! We went with Pets Best for our kittens’ insurance, which starts for illness coverage on 8/21/25. Pre-anesthetic bloodwork was done last week in preparation for one of our kittens’ neuter scheduled on the 18th. The results came back a bit all over the place, which the vet wasn’t concerned by as he said it could be due to him being so young. However, the vet mentioned his T4 is elevated, which could suggest juvenile hyperthyroidism. We’ll need to retest in six months to see if it normalizes. My question is: since this was found before the waiting period for illness coverage ended, and there are no symptoms, no official diagnosis, and no specific treatment or medical advice given yet, do you think Pets Best will consider this a pre-existing condition? A bit stressed that if it does come back as high in 6 months, something that seems like it may be a very expensive lifelong condition is going to be automatically excluded due to an incidental finding 😅

Okay so I have a new vehicle, and I decided to use Root Insurance. Usually the insurance websites automatically add comprehensive and collision when you state it's financed. So I thought it had. Anyway, it was liability only. Now last week there was a hailstorm and it did some damage to the car. Not hardcore but it js noticeable up close. What can I do? All I can do is fix it right with my own money? Will the bank go after me? I'm just so lost right now any advice would be appreciated.

I was in an accident many years ago in Michigan. I was told I had medical coverage for life for my injuries through AAA car insurance. I now live in another state and need a surgery related to the accident. I re-opened my old claim and spoke with an adjuster. She said due to the no-fault laws, she would send a billable letter to the doctor so they can bill them direct, but that they don't do pre-approvals guaranteeing any payment, and that I can't pay direct and get reimbursed either. My problem is, no one in my state is at all familiar with this and no one will accept a 'billable letter' or willing to even consider billing a car insurance company. I would gladly pay out of pocket if I could get reimbursed, but AAA says that's not allowed and they wouldn't reimburse me in that case. Am I missing something here? Is there a way to make this work or is it just a way the insurance company has found to make it nearly impossible to actually use the coverage?

I cancelled my Direct Auto policy before payment was due in June, I got a letter in the mail saying I owed direct auto $289.45... I called them and wanted to know why I owed money to them when I was caught up and decided to cancel it. I only had their insurance for 3 months before I decided to go to progressive and cancel their insurance. When I was canceling the insurance over the phone in June, he didn't tell me I would owe money or anything like that. He just said "Okay, I can cancel that for you. No problem." No warning about having to pay the remaining balance of the policy or anything...