Healthypaws is raising our premium to $35/month/cat, have had general cat insurance but almost nothing has been covered - their issues (cat herpes early on, recently anal gland stuff) is hardly covered or not at all. Looking at catastrophic/accident only insurance - is this worth? Do you have a company you like/hate less than all the other companies? Looked at PetsBest which is suspiciously inexpensive at $6/month vs aspcapetinsurance at $22/month for the same coverage. Any help is appreciated!

I just got car insurance for my new car and I got a letter days later saying they were missing a “signed application” from me. What does that even mean? I then called the customer service line and they put me on hold for an hour so I gave up. This was first acceptance car insurance

Hi, My one year old cat had to go to the vet this week for a limp. I processed his paperwork and submitted a claim toward his deductible and Spot denied it. Looks like he needs surgery and it’s going to be costly- I’m worried they will deny this too. Am I able to switch insurance companies now if I’m having issues with spot? Or would a new company just not cover this at all? This is my first pet with insurance and I’m frustrated.

I was rear ended last week while driving my 16-day old 2025 Subaru Outback Premium. The other driver was in a Hertz rental vehicle and his car was 'insured' with his Chase Business Ink Preferred card but that does not include liability insurance, and he does not have personal car insurance otherwise, so he does not have any insurance to cover the damage to my vehicle. He apparently lives fulltime in Israel although I think he is also a New Jersey resident. It is not clear to me how he could legally be driving a rental vehicle without liability insurance or how Hertz rented him a car without it but that is more of a side note since regardless of the circumstances he does not have liability insurance. I spoke with my insurance company, Geico, and they are directing me to go get my car fixed, to pay the deductible, and that they will confirm he is not insured and then pursue him personally through collections if needed. I am still waiting for the Geico coverage team to reach out to me since they apparently want to confirm this isn't a fraudulent claim as the vehicle and insurance are brand new so I am waiting to get the car repaired in the meantime. I did visit the Subaru mechanic earlier in the week and they thought that in addition to replacing the back bumper there is likely damage to the frame based on a visual inspection. Of course, they won't know anything for sure until they open the car up and look. They recommended that I make a claim for Diminished Value since the car is certainly worth a lot less than it was a couple days prior- I haven't even made my first payment on the $35k loan. I asked Geico about a Diminished Value claim but they told me that the claim needs to be filed against the other driver's insurance and that basically it doesn't have anything to do with them. I do have $250k of Uninsured Motorist Bodily Injury/Supplementary Uninsured Motorist but apparently that doesn't do me any good (my car and insurance are New York). I have been in contact by text message with the other driver but I'm highly skeptical that he would pay me thousands of dollars out of pocket on top of the other liability that he has since his proposal to me was that I run this all through my insurance and he sends me $500 for the deductible "to make me whole". What are my options moving forward? Do I engage an assessor after the repairs are complete so that I have a record of the diminished value? Maybe it's better that I get a lawyer who has experience with this and can manage the court process for me since this will almost definitely go to small claims court?

I am a 33y/o female in NYC and found out today that my enrollment into medical insurance through my employer didn’t save. i have not been covered for the last 3 months and im worried something could happen where i need it. I just looked at quotes for individual coverage and at my income level of $140k the lowest cost plan was $700 per month. I’m getting married in August and since that’s a qualifying life event i’m wondering if i have any options other than get legally married early or pay the $700. i’ve reached out to HR for other enrollment related things in the past and they wouldn’t budge in the slightest so don’t expect any workarounds with my companies insurance which is Anthem. Advice desperately needed :(

Hi there, I was in a car accident in DC that I believe was not my fault. I was attempting to turn left (had been sitting at a light for awhile). When the light turned yellow, it appeared clear and I began to turn. Out of nowhere, someone sped up and rammed into the driver side front corner of my car, going so fast he drove onto a curb, taking out a park bench, two small trees, and a trash can in the process. No airbags deployed on either car and no one was injured, luckily. Police came and we gave statements, but I got the police report back, which was rather sparse - there was nothing in the statement section, no one named at fault, and only a rudimentary sketch of the impact. Policeman told me he gave the other driver a ticket for running the light and failure to produce evidence of insurance. Since the other driver likely did not have insurance, I started a claim with mine. I have a solid policy through Travelers with uninsured motorist coverage, $500K bodily injury, $100K property damage limits. I just learned that he is now claiming he was injured (despite walking around fine, assuring me he and his passenger were totally fine that day), got a lawyer, and is saying I "T boned" him and am at fault. I did not -- his car was barely side swiped and the damage is due to him running over all of those objects. I also did not accept responsibility then or now, and I gave my statement to my adjuster. I've never been in an accident before, and now it seems it is his word against mine (to my knowledge the intersection did not have cameras). I guess it doesn't matter if it is determined to be my fault partially, or even wholly, because I am well insured either way. I just can't help but suspect he is trying to use my insurance to cover his own recklessness and failure to obtain insurance. Does anyone have experience with Travelers in a situation like this? I know at a certain amount they are likely to settle, but it doesn't sit right with me that this dude is likely to get a payout that I am effectively covering for him (and my premium will also go up).

Is anyone else having trouble getting State Farm to insure your house for homeowners insurance? I have a fixer upper house with a pool and we fixed the gates and cleaned up around the pool area but the pool hasn't been used in years. Tried multiple times to get homeowners insurance but keep denying.

I'm shopping around for car insurance. I'm 38F and never had anything but State Farm, but I was rear ended in an accident last year and had a mostly bad experience dealing with customer service and claims. My parents had a life insurance policy for my mother. When she passed away the office somehow marked me as the deceased party, which also lead to me having to "prove" that I was not dead. Keeping in my mind my mother and I share a last name and had our insurances at the same office/broker, but we have completely separate policies. When I told the agent that is what happened, she was combative even though the date of the change corresponded with my mother's death. After my accident, there were significant delays in getting my payment because of some issues they were having with setting up digital payments for me. All around bad experience with customer service and claims who were not empathetic or helpful. When I switched my insurance to a new agent's office for my new car, they put the incorrect financing information on my policy. Had to call several times to change. Realized that they had the wrong mailing address and garage address, even though I had also changed these. I, no joke, had to call on four separate occasions to try to change my garage address. They kept telling me it would be reflected on my policy within a month, but when I checked, my old garage address was still there. Conveniently, my rate at my new address is cheaper. I will say prior to the past couple years I had great experiences with State Farm. It seems lately to have maybe gone down hill, and I am a pretty dang patient person. It's not all about price for me either. I'm happy to change to somewhere with better service even if slightly more expensive. Does anyone actually have a car insurance company they can recommend based on good experiences and/or customer service?

Location: I live in California Hey guys! Wondering what you thought. In summer of 2022, my mom and I were visiting some extended family in Switzerland. My Swiss cousin drove me and my mom to Paris, France in his car. The last night I was there, my cousin asked me if I wanted to go take pictures at the Eiffel Tower. I said sure. He drives his car, I am in the front passenger seat next to him. No other passengers in the car. We are on the street right next to the Eiffel Tower at a red light, sitting in traffic with all cars stopped. He says "OK you can get out here and get to the sidewalk, I will pick you up in a few minutes." As I open the passenger door, a motorcycle who had been weaving in and out of traffic going maybe 15-20 mph, slams into the car door. The driver and passenger fall over and the car door is smashed. We pull over, traffic around us is stopped. An ambulance comes and help arrives. Unfortunately (worst timing ever), I had a plane to catch to go back to the US. My cousin told me to leave, he would take care of it. I found a cab, took me back to where my mom was staying, and we went to the airport and flew home. I followed up with him a few days later and he said the motorcycle driver and passenger were fine, they had suffered some cuts/bruises and a sprained ankle. I told him to please keep me posted. He never really had anything to report. Fast forward to last Friday. I get an email from an insurance company detailing the incident from 2022, with the correct date and what exactly had happened. They found me liable and at fault because I opened the passenger door and caused the injuries of the motorcycle passengers. The insurance company said they had to compensate the other party, and requested that I reimburse the full amount. It's nearly $10K USD. I know this is definitely not a scam because my cousin verified his policy number on the letter they sent me. He also informed me they called the police that night and the police never came. He took it on himself to give the other party the insurance information so that his insurance would help out. He never imagined his insurance trying to recoup the money, especially from me. What do you guys think I should do? Shouldn't the insurance cover the driver and vehicle?Am I liable as the passenger? How would an insurance company in France enforce that I pay this? Can they take me to court? Is it possible that they might try to retaliate with my cousin instead, if I ignore the letter? Thanks in advance!!!

\*\*\*UPDATE\*\*\*\* Emailed Odie and they replied saying they refunded my CC. \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* Hi, I was fradulently charged for pet insurance premium from Odie, after they merged with Manypets. I have contacted both companies (email, phone call) and discussed I would not be renewing my pet's insurance contract. The renewal date was January 3rd. Today, Odie emails me saying that they've successfully processed the monthly premium. Any tips on how I can get my money back and ensure that Odie does not harass my family/fradulently take my money? I'm very upset, as I had done my due diligence in communicating that I would not be renewing my insurance policy with them. On an additional note-- This left a very bad impression on me, and I will not be recommending Odie to anyone on this reddit forum. Thank you.