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...

So I signed up for State Farm Auto/Renters insurance and all was well. I decided to switch agents because I was not happy with the communication speed I had with the old agent, so i submitted an Agent Change request online. It has been more than a month since the original request and only the Renters Policy moved. The requests show complete, but now I noticed my Auto Policy completely disappeared from my account. Did they mess this up and cancel my policy? I haven’t gotten any emails or documents online stating this. This has been so frustrating and I just want to not have a lapse in coverage for their mistake. Has anyone dealt with this or something similar?

My son damaged his car leaving a parking lot. He didn’t tell us for a few weeks (he parks with the passenger side near the garage wall so we never see that side) and can’t remember the address because he was lost in a scary part of town. He definitely drove over something because the frame behind the front passenger wheel well is bent. Geico wants the address in case there is property damage. I’m pretty sure it was an abandoned lot and nobody cares about a piece of cement. I don’t even know what to say to them. I’ve explained the situation but they keep wanting an address. It’s a 2 year old financed car that we bought brand new and have been with Geico for 10 years and have maybe 2 claims. This is my son’s first claim and he’s got no traffic violations or accidents but this. He’s 25.

I knew this was coming from seeing it happen to others but I got my policy renewal notice and our annual cost went from $347 to $505. I know this is far from the worst increase but it is still annoying. He hasn’t had a claim since 2023 and is only 4 years old. Is there anything I can do or say to them that might get this lowered a bit? I worry what his premium will look like a few years from now if they continue with increases at this level. I also am bringing home a puppy next month and have been going back and forth about insuring them through PetsBest or trying something new like AKC or Trupanion. Any thoughts on that?

Got into a car accident last year (rear-ended). Sent a demand letter to Farmers Insurance asking for: * **$4,523** in gross medical expenses (I attached the detailed reports/receipts for them) * **$33,000** for pain and suffering * **$6,295** for diminished value (they said this will be handled separately) Yesterday, they offered **$7,823** for my bodily injury claim. Seems like they’re barely covering my medical bills and throwing in a small amount for pain and suffering (10% of what I requested). Should I counter? If so, should I slightly lower my initial demand (say $25K for pain and suffering) to show I’m negotiating in good faith, or should I stay firm on the original amount? Has anyone been through this process without an attorney and successfully negotiated a higher payout? Btw, when my vehicle was in the shop, I gave the shop the insurance's contact info and the insurance paid the shop. Looking for advice on next steps before I respond. Any input is appreciated!

Hi all, I'm trying to figure out the best way to proceed with insurance as my policies are set to renew in about three weeks. I have Allstate for both auto and home insurance, and I get a $300 discount on both the auto and home premiums as a result. My home insurance for this coming year (12 month rate) is set to be $2270 - when I looked online and talked to a couple of agencies, the lowest I got was \~$2800 with some of those quotes going well into 3k and even 4k. I'm not sure why my home insurance rate with Allstate is so good comparatively to other agencies, though the discount section does mention responsible payments (haven't missed any mortgage payments) contributing to a $600 bonus, and a loyalty bonus of $250. On the other hand, my auto insurance rates are way higher than anything I'm being quoted on. My rate for the next 6 months of auto insurance is $1262 for a 2021 Subaru Forester. As far as classification goes, I'm 26, male, and married. I've had a single accident just under 5 years ago (late 2020 - minor bump to the car in front of me, and I was the at fault driver). Upon doing quotes with other agencies using the exact same deductibles/coverage amounts, I got anywhere from $770 (from a local independent agent) to just under $1000. I'm trying to determine if it's worth swapping to another agency for cheaper car insurance, but I'd lose my bundle discount and the convenience of handling all of my insurance from one place, with one agent. Would y'all say it would be better to stick with Allstate, or should I try and pursue a better auto policy?

Hello everybody! Thank you so much for all the important information in advance. My personal car was at the shop and I needed to rent a car. I did — from Turo. I purchased a minimum coverage from Turo (my deductible was $3000). Was in traffic going around 15-20mph and the car in front of me slammed their brakes. In order for me to prevent the collision, I swirled to change the lane to the right, hitting their back right corner, and wiped my car through the curbside. They had a scratch and one side of rear bumper got unhooked. The car I was driving had the headlight destroyed, front bumper fully came off, and the driver‘s door stuck. The other party filed a claim with my car insurance. My car insurance does not cover rental. I’m so genuinely confused because my insurance is telling me to figure it all out as they have a balance of $4000 that I am required to pay. And I’m wondering if the other party was supposed to file the claim with Turo? Is my car insurance supposed to be invo

Has anyone had their Geico premium suddenly jump after switching from pay in full to monthly payments? I changed the billing method thinking it would just add a small fee but then got a new declaration with a much higher rate of 25% increase. Support says it was unrelated and just part of a regular rate adjustment but the timing feels off. I didn’t change anything else in my policy and my neighbors didn’t see any increase. Curious if others experienced this or if it’s worth escalating.

Hello, I have an HSA with Optum Bank that I am transferring to another institution. A couple of weeks ago, I had a phone call with Optum where they had told me to liquidate my investments before initiating the transfer. Right after we hung up the phone, I liquidated all my investments and initiated the transfer with the other institution (Fidelity). I sold X amount of shares of VFIAX at share price of $565.06. A few days after liquidating everything, there was a purchase of shares on my account using my entire account balance, purchasing shares of VFIAX at a share price $567.88. It turns out that my account had a flag named HSA auto-transfer enabled, which is the cause of this. VFIAX has dropped a significant amount since this purchase was made. As of now, it is priced at $530 per share, which will drop even lower today. I am upset because the representative from Optum did NOT inform me that auto-invest was enabled, and my entire portfolio is down about 7% due to this. I just spoke with a supervisor at Optum to see if they can reverse this transaction and they said there is nothing they can do. The only thing I can do from this point is to disable auto-invest and liquidate all my shares for a loss. Is there anything I can do about this? I'm upset that I have to take a loss due to the phone rep not telling me to disable this feature. It's also caused delay on the transfer process to Fidelity.

Hi everyone, I have a 9 month old maltipoo. I suspect he has chronic GERD since he throws up yellow bile if he goes around 6-8 hours without a full meal (like overnight or when he is stubborn and wont eat his lunch). This is to say I want to take him to the vet asap. But before that I wanted to add dental coverage to his policy just in case this issue persists and it causes teeth problems later in his life and then they wont cover it because it was a “pre-existing condition.” Dental work on dogs is very expensive! My problem now is that I emailed asking how I can go about adding this to my policy since I couldn’t find how to do so on their app. This is the response I got. i don’t understand why I can’t ADD coverage. I want to pay MORE money. I wasn’t aware that when I bought the insurance for the year it was locking the policy for that entire year. Now I’m thinking of cancelling all together and renewing with the actual coverage that I wanted. Has anyone tried doing that? Would they let me? Or would they recognize my name and vets and ban me or something. Thank you for all the help TLDR; has anyone been able to cancel their Lemonade pet insurance and renew with the actual coverage/policy they wanted?