So, how do you go about selecting a breed when buying pet insurance when you have a mutt? I did a DNA test on my dog and she's like 2/3 Cattle Dog and Chihuahua, and then 1/3 3 other breeds. I bought Pumpkin Insurance and selected Mixed Breed 11-25 pounds (she's 22 pounds and shouldn't get any bigger). Here's the kick in the pants- I asked what to do if she gets more than 25 pounds. They said, well, they won't accept Mixed Breed and they base breed on vet records. Why...why do they even have Mixed Breed as an option, then?? It's going to cost me an extra $136 a year to change her to a Cattle Dog Mix. It frustrates me because my dog weighs 10-27 pounds less than the average ACD. I can still cancel Pumpkin, and I'm tempted. But will it be any better with any other company? I assume they all operate the same way.

Hi all. I recently leased a new car because the used car market was so atrocious in my area it was cheaper to go this route (context: they want full coverage so it's more expensive than the baseline cheapest policy I can otherwise get in NYS, the insurance checks on the used cars I found were comparable). My monthly rate is 500$/month w/ Progressive. Which is way more than the damn car. I'm a new driver, female, 24 (FML). I understand being young and new is whatever but 500$?? This was the cheapest my agent could find but I really want to shop elsewhere and look around before the next insurance renewal rolls up.

Had 2 roofing companies come and inspect the roof for hail damage, and they both claimed there is hail damage. However, Allstate insurance denied the claim, saying there is 0 hail damage. I sent the report from roofing companies, but they deny it's due to hail. I tried requesting a different adjuster, but Allstate won't budge. Any recommendations on how to proceed with insurance? I have heard I need to hire a public adjuster. Is there a certified inspection I can do that has more value than a roofer's? This is in texas.

My home insurance policy was up for renewal last October, and I ended up switching from Intact to RBC because the premium was lower. About a month later, I got a message saying that they wanted to do an inspection of my home. The inspector came and took some photos and told me that everything looked good and there shouldn’t be any major issues. Today, I received a registered letter telling me that my policy will be cancelled in 30 days due to “underwriting reasons”. I was unable to speak to anyone at RBC before they closed for the day, and will call first thing in the morning. I have no idea why they would cancel my policy. I’ve been continuously insured for over 10 years, have never missed a payment and didn’t withhold any information when I got my quote. I have had 2 claims in the past, but the last one was in 2016 so I didn’t declare it during the application because they asked if I had made any claims in the last 6 years. Has anyone had this happen before? I’m freaking out a bit because I understand that if you have an insurance policy cancelled on you it becomes harder to get insurance in the future. Any help or advice would be greatly appreciated, thanks!

We live in LA and I've been looking at our homeowners insurance, which is through Bamboo. I fear that Bamboo is not great based on the fact that I've never heard of anyone else using it AND the reviews online are awful. I know so many companies no longer insurance LA... does anyone have recs? I've read about Amica, Chubb, Pure -- but they are more expensive (how much more)? Would love any advice!

I don't know much about auto insurance claims, but I do know they have to and in no uncertain terms tell me they are denying my claim and why in an official and written communication. I need someone to give me advice what to do next. I have a strongly worded demand letter giving the 1 week to get me my total loss documents and an offer for ACV....I'm probably screwed. 17 days after the accident the at-fault driver's insurance told me they were taking responsibility and needed me to contact the impound lot and approve them to pick it up. They then told me I would be getting a rental car, comparable to my vehicle ( a 7 seater XL SUV and it would be authorized for a minimum of 5 days, to be extended as needed. Then they asked for my statement--- They accepted fault before they even heard my side, and my side further points the finger at their guy. July 1st They took it to their body shop and I picked up my rental and I didn't hear anything for a couple days so July 3rd I called the shop up and the owner said they told the person who dropped it off that it was totaled without needing to be evaluated and to take it away (they left it anyway) She said left a voicemail with the adjuster that day but hadn't heard back from her yet. I call and leave a voicemail with the adjuster and since it was the day before 4th of July I wasn't really expecting to hear back from her until Monday at the earliest. I didn't hear anything until 7/9-Wednesday. It was an my email to check the claims portal for new documents. It was a document for a repair cost estimate. $24,000 and my car is worth $21,000 on a really good day. The repairs are things like welding to repair frame, taking various pa from a 2024 model (my car is 2018), not even a compatible year. Voicemail notification pops up from the adjuster. Hey, just wanted to touch base. Our liability department reviewed the claim and determined they were no longer taking responsibility for it. Please let me know where you would like to have my vehicle taken. If I want to send her a text with my address she can even be so nice to leave it in my driveway. She calls again on the 11th leaving another voicemail. I say call, but my phone isn't ring there's no missed call in my log--- This voicemail she is super chipper, telling me the good news that my vehicle can be fixed, says to check my email to see the estimate for repair, tells me I just need to take that to my insurance and they will get the repairs done since they are no longer accepting responsibility. "Your insurance has probably already been communicating with you and asking you for it. No man, they denied my claim 3 weeks ago boi. My insurance has been terrible through this too, can't get them to call me back so at this point I take it upon myself to order my own copy of the police report because there has got to be a reason they're suddenly flipping the script on me..... I get a copy of the accident report 7/15 and oooh boy, that has to be the DUMBEST cop on the planet. Here's his report Driver 1 was traveling down lane 2 , veered into the guard wires on the left. Driver 1 then took a sharp right being perpendicular in lane 1 when driver 2 collided.---- Like it all happened at the same time. OH! And he apparently cited me for improper lane usage which has to do with unsafe lane changes and swerving outside the lines. The diagram he drew is equally ridiculous. Nothin he had in the report was anything I had said. Here is the gist of what actually happened that day: Traveling in the left lane on the highway at 320am my tire came off ....and I'm not talking just my tire, the entire hub. At the time I had no clue what happened and am only guessing, honestly at what happened next -my car sank down slightly on the driver side and suddenly I couldn't steer,, my vehicle is not responding even if I held the steering while steady or if I decided to jerk it hard to the right. When gently touching the brake the car wanted to make a hard right so while It had a mind of its own, all I could do was down shift and pray THANK GOD I was able to reduce speed to 40mph and that the road was empty because my vehicle decided to suddenly make a harsh veer right which caused my car to do a fancy spin across the highway to the right lane and came to a stop facing oncoming traffic. My vehicle was semi parallel to the highway and mostly on the shoulder, but partially in the right lane as well. Facing oncoming traffic but the front of the car more on the shoulder and the back more in the right lane. My vehicle automatically starts flashing every light ever and blaring out the alarm sound, and saying "we are contacting emergency services" or whatever it said. Sweet saves me something to do since my car refuses to budge. I should mentioned that it was twilight out and I was grateful that my vehicle was facing head on because my headlights and fog lights are hard to miss, impressive and now they are blinking.. I contact AAA and put out these orange plastic cones that I had in the back from soccer practice...better than nothing. I can see that my tire is there but it looks crooked. I get back in the vehicle because I assume I would survive an impact surrounded by steel better than if I wasn't. I'm watching cars approach, slow down and change lanes for about 20 minutes while AAA takes their sweet time. 345ish is when I see this minivan in the right lane coming quick and not slowing down at all, other cars are getting over ya know?.... the next part happens in a blur no idea what occurred, I think my brain took over and put my conscious to sleep for a second he smashes into my beast of an SUV going at least 80mph-never touching his brakes, no tire marks on the ground But I am standing on the side of the road so I must've escaped just in time. and on the shoulder is my driver side tire disconnected like a loose tooth. My vehicle gets thrown 100 yards down the highway, he continues another 100-150 yards down the road and up an embankment about 20 feet. I think he's dead, i run down to check on him, by the time I get there he is standing outside his vehicle and on the phone with 911. He was real cool, grateful I was alive he tells me that he was sorry. He had his cruise control on and his cat was in the back seat. His cat started meowing so he was turned around checking on it and before he could turn back around he smashed into my SUV He had to have been not looking at the road a solid 60-90 seconds--- visibility was far even at twilight. ANYWAY, I write the insurance carrier and go over my review of the accident report and pointing out inaccuracies such as where my vehicle ended up would have been impossible had it been a t-bone collision and the fact that his vehicle traveled 200 yards after impact supports my side of the story that his passenger side collided with my passenger side, in a semi head on way....hard to describe how my vehicle sat, it was parallel but not perfectly so, the back of my car was slightly in the right lane and the front of my vehicle was slightly more on the shoulder. Also mentioned that I had order a copy of the 911 call where he admitted to me he wasn't looking at the road....before I could hit send, I get an email saying to check the claim portal, they have a copy of the police report and a letter attached saying that they were sharing the police report with me and that the police report does not state their client is at fault. ALSO DOESNT SAY IM AT FAULT BUT WHATEVER!! Enterprise calls me they want to report the vehicle stolen, they give me 24 hour grace aka today in 3 hours. I send a strongly worded demand letter pointing out that they have not denied nor finished my claim, and they were the ones who approved a rental car to see me through the length of this claim so they are obligated to continue paying for my car rental and if they fail to do so then I will have no choice but to submit a complaint for bad faith practices. Gave them 24 hours to respond. I don't understand what is going on, why change their minds like this but not outright deny the claim and end it here--this game playing I don't have time for it but I am a petty person I will not roll over. I'm frustrated. No attorney wants to take this case because I'm not injured, wishing now I had stayed in my vehicle so at least the insurance couldn't mess with me. I'm too broke to pay for an attorney, but I can't afford to lose a $20,000 asset because they are a bully.

Last year, my home was hit by a vehicle and became unlivable. I was advised to create a claim with my insurance company. I had a disaster restoration company come out, provide a quote, paperwork signed, my insurance paid out a portion of the estimated total, I paid the deposit to the restoration company out of that. That was six months ago and no work has started, and here is (allegedly) why: 1. My siding has asbestos. Contractor says they cannot fix the damage without disrupting the asbestos on the two undamaged sides, therefore insurance needs to pay for four replacement sides, not two. According to contractor, this is an EPA regulation. Insurance says because it’s not township code, it doesn’t matter and they will only cover two sides. 2. My hardwood flooring is original to 1950 and has no subfloor. The subcontractors won’t fix without installing subfloor, as the type of hardwood used in 1950 does not exist and today’s would not be strong enough. Insurance will only cover fixing the damaged area, which means I will have a visible difference and seam in the hardwood. Again, because it is not code, Insurance is pushing back. I have not received an actual denial letter, I’m just being told by the adjuster that nothing is happening. I requested to escalate to a supervisor two weeks ago, still no updates. I’m overwhelmed and I’ve been out of my home for more than six months. Questions: 1. Do I need an attorney, and if so, what kind? Google hasn’t been helpful. 2. Am I within my rights to get a new quote for the siding and hardwood flooring separate from the other repairs? 3. Why is this going through my insurance and not the insurance of driver who hit the house? I only filed with my insurance because I was panicked and a neighbor told me to, and I’d rather argue with the bad guy’s adjuster instead of mine. I feel like I have to play nice with everyone, but the anger and resentment and frustration is building.

Location: Georgia, USA Hello everyone- My brother was in a motorcycle accident April 6, 2024. He was in ICU for a month and discharged in July, 2024. During that time he did not have his phone, access to email, or ability to check standard mail. My brother was a PE Teacher and football coach in the state of Georgia for 27 years. All of his insurance premiums were paid for once a month in his paycheck. The state of Georgia agreed to early retirement with benefits beginning July 2024. Blue Cross informed him last month they were dropping his insurance for delinquent payments. His appeal was denied. My brother is looking into COBRA as well as ACA. What steps should he be taking to get the necessary pain medications he needs daily? Thanks!

so I’m on Medicaid since I’m not working due to my finger injury. I got my surgery done a few months ago and they send me a bill today. I literally thought everything is going to be covered by the insurance. Maybe I should’ve asked questions ahead of time, but I wasn’t aware of this since I know few people who got surgeries and it was covered. I’m not working right now as well since my finger is still not healed. I don’t know what I’m supposed to do right now. do I contact Medicaid or the surgery place? Not sure. by the way, my insurance is Blue cross complete of Michigan. My insurance did pay for over half of the bill but just confused why it wasn’t covered completely.

Got into a crash in the state of FL, parked in a parking spot and had to realign myself to be straight. The parking spots are aligned at a 45 degree angle. I reversed just enough that my rear wheels were visible, there was no vehicle next to me parked that could’ve potentially been blocking the vision of my vehicle, I was in the travel lane and as I was about to shift into drive, a vehicle driving westbound hit me in my rear-end and spun me around facing the opposite direction of travel, the whole back end of my vehicle is smashed in and not drive-able. It’s a 15mph travel zone and safe to say nobody drives 15mph through this spot. The damage of my vehicle definitely looks like more like 25-30mph. Cops talked to me and other driver but in the written statement wrote that I was reversing and then got hit which wasn’t true. Also said that it’s a no-fault state and so she could’ve written me a ticket. I’ve only had the car for barely a month and paid $3k for it, I have progressive insurance at the state-minimum required. After the crash my back and shoulder hurt. I just want to know what can I do, any help is really appreciated because I need a new car as soon as possible. Location: Florida