I had signed up for trupanion pet insurance after reading good reviews. Now my dog had a CCL rupture and needs surgery. They refused to cover ANY costs because they classified limping as a pre-existing illness. After my vet send them a lengthy letter (as seen in picture) they STILL denied coverage saying they do not cover any CCL injuries that occur within 18 MONTHS!!!!!! Absolute waste of time and money. My vet hates them too. Have cancelled my subscription.

Was driving on the freeway and a ~2 inch rock came out of their un-tarped trailer and hit my windshield at about 65 mph. They did not have a rear license plate visible. Front registration plate was orange and I believe it to be an Oregon apportioned truck plate. I was not able to get a clear picture of their plate. I spoke to our state police and they gave me a case number for insurance purposes. Went to file a claim with Progressive and it turns out my deductible ($500) is more than replacing the windshield ($388) so they just recommend I pay for it without insurance. Shouldn’t the other truck’s insurance be paying for this?? I don’t know what to do other than pay for the replacement out of pocket and hope to make contact with the other party’s insurance after the fact. He wouldn’t stop as I tried to get his attention but I was able to take some pictures… on the side of the rear trailer is a logo for “The Shaw Group” and some sort of identifying number (T1210xx… censored for this post).

Hello I hit a deer a couple of weeks ago with our 2015 Subaru Outback. The damage is simply cosmetic, but our insurer (Meemic) deemed it a total loss. The car probably has another 100k miles of life left and the absolute LAST THING ON EARTH we want to do is deal with buying a car again. We haven't built up the reserves to pay cash, and I just about refuse to pay interest on such a miserable asset through a car loan. Can someone help explain to me the insurance issues moving forward as we *will* continue to drive this vehicle? What to prepare for?

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.

It takes them weeks to review claims. My dog had a diarrhea cause by a bacteria. My claim and appeal got denied because my dog had a diarrhea in 2021 and needed to prove that it’s not related. I even got a letter from my vet saying it’s a bacterial infection

I managed two older buildings one built in 1950 and one built in 1900. The company's own them for 13 years and never had a insurance claim. Country financial, which is owned by Farmers I believe, did a risk analysis is dropping 45% of their older homes Are there any companies out there that are easier to cover older rental properties with older rust but still in good condition?

Location: UK I had an accident in December of 2023, which was third parties fault totally. Unfortunately they decided to completely ignore all correspondence from my insurance company and their own for as long as they could with deadlines, and drag this whole process right out, then at the last minute dispute it. This went on and on back and forth until November 2024 (almost a year after the accident and after the threat of court proceedings) when they decided to admit fault at last, and agree to pay. The solicitors that took over the claim for us emailed to let us know, there will be no court and our excess will be returned to us shortly, great! Except it’s April 2025, and we’ve still received nothing, the last email reply from solicitor I received was in January, telling me the third parties solicitor had assured them they had requested payment from third party. Since then radio silence from solicitors and no reply. I know it’s only £400 excess but it’s a matter of principle to us and with the current cost of living we definitely need this money back! Does anybody have any legal advice or insurance advice? As I thought admiral (third party insurer) would have to refund us our excess within a certain timeframe surely..? 18 months is mad! Thank you everybody in advance for your help, you’re all amazing!!

I have been a State Farm customer for almost 40 years. I recently was in my first serious automobile accident where the repair costs are around $25,000. State Farm has been hellish to work with and dragged even just the start of repairs out two months. It’s not over yet, but it’s pretty clear I’m gonna end up having to pay a pretty good chunk of that out-of-pocket. The body shop tells me that most namebrand insurance companies are difficult to work with. He suggested one of the high-end brands like Chubb or Pure. The more I think about it it seems like I could go with a low rate company and for that once every 25 year incident just pay for the repairs myself. As long as I have injuries and liability covered, it feels like I would come out even. My question is this. Should I go with a different company that is more white glove service like Chubb? Or should I find some cut rate company where I at least know up front I’m going to have to pay out-of-pocket for an repairs like this but save money and headache in the long run? Or should I just stay in the middle with SF? FYI, I do have good umbrella coverage too.

I hope the flair is correct. So I have Aetna POS II through my employer and my prescriptions are handled through OptumRX. I previously had Cigna health insurance for 2024 and was forced to Aetna cause plans changed and this was the cheapest one (even though it’s not cheap) I had an auth for Zepbound valid until 3/16/25 that was initiated in September 2024. Well my provider submitted a new auth and it was denied. Optum is telling me it’s my health insurances problem. Then Aetna tells me they have no control, contact Optum. My provider is supposed to submit an appeal but I’m feeling really confused. Who has control over the prescriptions then? How have I gotten two refills since January even with my health insurance changing? (Optum rx has not changed and I had them in 2024 too) Can anyone help me understand?

I am going through Tesla insurance for my Model Y. I had a few aftermarket parts and vinyl wrap that needs to be replaced as part of the repair. The quote/check for the repair does not include just three items and the shop is saying that they will submit a separate claim/payment for that item after everything else is repaired and done. Additionally, they are saying that after all of that, I need to go get a quote for the wrap and submit that separately on my own to see if Tesla will reimburse me for it. Anyone have any insight on this? At this point, it has taken me several months to even get a reply back from the shop, I almost want to just ask for a check and get it done elsewhere or figure it out on my own. The only issue is the check was sent to the shop as a two person check, so I almost feel like I will be stuck with this shop.