Earlier this year, I was involved in an accident where I was side swiped by a gardener truck. I was on a residential street and slowed down to look for parking. The gardener truck was behind me but decided to pass me, and when I drove forward a little to park further up, the truck merged back into my lane and struck my car with the equipment hanging off its trunk. They sustained no damages while my drivers side window shattered, mirror broke off, and fender/door sustained damages. Around 2 months ago, we received a letter from their insurance saying they assessed 55% negligence on their insured driver and 45% on me. They were also willing to pay for 55% of my damages. My insurance decided to take them to arbitration. During this time I received 2 letters from my representative. The first said that while the other insurance company has accepted full responsibility for the accident, they have not been able to reach a settlement for damages paid. I then received a second letter a month later saying that the arbitrator has ruled in favor of the other party. This seemed like a complete 180. I was shocked to learn of their final decision and emailed my representative asking if any of my $1,000 deductible would be recovered. She said no and sent me a copy of the arbitration decision which stated the following duties breached on my end: vehicle failed to keep appropriate lookout and they failed to maintain safe parking maneuvering. Is there anything I can do at this point? I know the arbitration decision is binding and final but I am honestly just stunned, especially because it felt like the truck failed to safely pass my car. I spoke with my insurance and they said my premium will most likely double. Is this fair?

Hey everyone, We recently adopted a puppy from a rescue center, and he’s been such a sweet little guy. On the same day we brought him home, we also signed up for pet insurance with Pets Best Insurance because I read a lot of good reviews. Unfortunately, just about five days later, he got really sick and was diagnosed with puppy strangles. He’s been on corticosteroids for the past three weeks now, and we’ve had multiple vet visits—for treatment, vaccinations, and other related care. So far, I’ve paid around $1,000 out of pocket. I submitted a claim to the insurance company, but they rejected it, saying it falls within the waiting period. I get that there’s a waiting period, but we had no idea he was going to get sick when we signed up for the policy. Has anyone else dealt with something like this? Is there any way to appeal or get around the waiting period issue? Also, if I switch to another insurance provider now, will this count as a pre-existing condition, and will they refuse to cover anything related to this illness? Appreciate any advice or shared experiences—just trying to navigate this unexpected situation the best I can. Thanks!

Had 2 trees uproot one June 19th, one which put a big gouge in the roof and another broke a window in the family room. We have Erie Insurance, so this was in the middle of their IT outage. Luckily, we had ServPro button up the house pretty quickly. Erie was good with that, even though it took a week to get a claim number for ServPro. But after that, things have been moving at a glacial pace. Erie reached out on June 30th to say they were assigning a field adjuster. That adjuster finally showed up on July 7th. They mentioned putting the need for a structural engineer to look at the roof trusses, and they would put that in their report. They said it would take 2-3 days before the report would be shared with us. When we contacted Erie on Friday, July 11th regarding our report … our desk adjuster is out of office until Wednesday the 16th!!! Is this kind of timeline typical? I know the they had an outage. But it’s been almost a month since the incident. And between clearing the huge trees, the structural engineer, and time for the actual repairs … it will be at least another month before the house is repaired.

First time posting on this sub, and this topic is difficult to search, so sorry in advance if it is redundant. Tried posting a similar thing on greenbuildingadvisor, but they're not much focused on insurance, though did get some good feedback. I just got the latest in a series of substantial increases in our homeowner's insurance premium from AmFam, this time a 42% raise. No claims, ever, and we don't live in a state with hurricanes/fires. This is not me whinging about yearly increases (though it's certainly not my favorite email this week). Our case is somewhat different in that if we were to have a total loss, we would build back much smaller than the current size of our home. So what we would actually need is around 50% less than calculated by AmFam. But AmFam won't give us a quote that represents that goal, they will just go based on their algorithmic calculation of building back as is, 100%. I know we need to maintain at least as much coverage as our outstanding mortgage balance, which right now is about 40% of AmFam's calculated 100% replacement value. So that is our floor, but we would probably be looking at 50% as the level we would want. It has been a challenge to find insurers willing to create policies that insure for less than their calculated as-is replacement cost. One option I found was American Modern, but I got distracted after talking to their agent 6 months ago, and I have read some terrible reviews for them. The recent AmFam increase caused me to be undistracted again. So my question: Does anyone have recommendations for processes or companies that will help achieve my goal of getting a policy with a 50% replacement cost? As an aside: if efficiency and sufficiency are sometimes goals with building (obviously not for everyone), it seems like it should be more straight forward to build back smaller in the case of a total loss, but the insurance part of that equation is really geared toward as big or bigger.

Was with another major isuance player, and was dissatisfied on their customer service. Will be nice and not mention the name. Erie Insurance was recommended to me by family member. Thhey have been with them for years and satisfied with their agent. I called Erie for a quote last month bu they were havig system issues. Agent advised they would call me back when resolved. It took almost 3 weeks (they called Thursday. So what do you think of Erie? Would you be timid about a company that was 'down' for almost 3 weeks (unable to service existing policies or quote new policies)?

I swiped the side of my car (no lien) and Insurance company adjustor said take pics and put in portal. Said damage was worth$3700 and cut a check minus the $500 deduction; $3200. As I checked with bodyshops I deposited check as one guy said it doesn't hurt with final claim. Several weeks later used an insurance approved shop, over a month to repair. That shops original estimate was $5800 then final $7,700. So they charged me a $500 deductible and then Said to pay them the $3200 from insurance check. But Insurance check already took out $500 deductible and the shop just charged my CC $500. Shouldn't it be $2700 I pay Sthem (3200-minus $500) Insuirance already held theduditble and then I get charged by the body shop too?

I’ve been thinking about getting Lemonade Pet Insurance for my dog, but I’m not really sure if it’s a good deal or just another scam. I’ve read some reviews that say Lemonade Pet Insurance is affordable and quick to process claims, but others mention hidden fees and terrible customer service. Honestly, I don’t want to end up paying all this money and then having Lemonade Pet Insurance deny my claim when my dog gets sick. Has anyone here actually used Lemonade Pet Insurance long-term? How’s the coverage, especially for things like emergencies or hereditary conditions? Would love to hear real experiences before I make a decision.

We purchased (with a mortgage) our house April 2023 in WV. Sorting and opening mail today. I opened an envelope from Erie Insurance assuming it was my renewal paperwork. No it's a policy continuation notice for a tenant policy held in someone's name I'm not affiliated with in anyway (it is addressed to them but did not realize as I just opened without looking assuming it was my policy info). 20k personal property coverage with a monthly premium of $245. We're new to the area, having moved here from TN and have kept to ourselves. Small town with a population of barely 2k. So I 💯 do not know the person or have ever spoken to them. The kicker? When I look this person up he's a cop for my county. And the agent that wrote this policy is 5 blocks from my house off the main road thru town. WTF do I do here? I'm concerned that this is a policy held by a local younger cop near me. A LONG time ago this was a multi unit home, but the previous owner we purchased from owned for 10 years as a single family home so it's not likely it's a policy that has just been continually carried over (why I mentioned they're younger) for the last 10+ years.

We first joined at around $30 but it is now $150 just 3 years later! While I appreciate that they respond through email, will make up reasons for care reimbursement rejection - and they don't seem to have a transparent appeal process!

Never use Healthy Paws Pet Insurance. Period. I’ve been with this company for eight years. In that time, I’ve filed maybe one or two claims, receiving around $400 total in reimbursements. Meanwhile, I’ve been paying monthly premiums that started around $50–$60, gradually increased to $80, and just this week, jumped to $200 per month for both my cats. One cat’s premium alone went from $50 to $125 overnight. That is completely outrageous — especially considering both of my cats are in perfect health, no chronic conditions, and have had regular checkups, blood work, and clean bills of health. When I called Healthy Paws to ask what on earth is going on, the rep could not have cared less. There was no concern, no explanation that made sense, and zero willingness to help. It was clear: they’re just taking money from loyal customers who rarely file claims, and they don’t care. Over the past 7–8 years, I’ve thrown away nearly $7,000 for what? To be blindsided with a 150% rate increase and treated like a number when I asked for help? This company is unethical, greedy, and not here for pet owners. If you’re shopping for pet insurance, I beg you: do not go with Healthy Paws. They do not deserve your business, and they certainly don’t deserve your