I’ve had Pets Best for about a year now for my mixed breed pup (healthy overall, just minor stuff like an ear infection and some stomach issues). I’m paying around $60/month, and every claim I’ve submitted either got denied or barely paid anything. They called one thing a pre-existing condition when it wasn’t even diagnosed until after I signed up. Starting to feel like I’m wasting my money and might be better off just saving that monthly premium myself. Has anyone here actually had a dog insurance plan that helped when you needed it? Open to switching if there’s a better option but I’m kinda losing hope tbh.

My vehicle needs a new windshield. It’s a lease and reading the agreement, it says the following: You are responsible for repairs of all physical damage that is not a result of normal wear and use. All service and repairs must be made with new and genuine manufacturer’s original equipment replacement parts, regardless of the terms of your insurance policy. Does this mean it has to be OEM? I have GEICO and they said they will not pay for OEM.

Was hoping to get some insight before I call my agent. My $1 Million umbrella policy with State Farm has really gone up this past few years from $300 to over $1500 per year. So I started looking at it and saw the following: Automobile Liability: $500,000 Recreational Motor Vehicle Liability: $500,000 Personal Residential Liablility: $100,000 Watercraft Liability: $100,000 I don't know what a Recreational Motor Vehicle is. I have 2 cars used for commuting around town. I don't have an RV or Jeep for off-roading. So what good is that doing me? I don't have a watercraft. I consider watercraft to be a money pit and I'll never own one. I'm in Florida near the water, so maybe it's assumed I have a watercraft? I don't know. I feel like I'm paying for a bunch of insurance I don't need. Any advice would be appreciated.

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.

I got a much better quote from New York life insurance for a life policy then my current State farm policy. It's my busy season of work and I was hoping to be able to docusign or just cancel over the phone. I was told I need a wet signature which means I'll have to take off a day or half off work. Part of me wants to just cancel my auto and home policies as well with them over this. Are they just being difficult with me or is this standard with State farm?

I’m buying a car tomorrow and don’t have auto insurance. The only company that is offering the option for next day insurance in my state is Geico. I’ve heard it’s horrible and would like to shop around more but need insurance to take the car off the lot tomorrow (obviously). Can I pay one month for Geico and then cancel the policy once I find something better? Planning to work with a broker. Thanks for the advice. I haven’t owned a car in 10 years (lived in a walking city) so am trying to figure this all out.

Today my 3 year old hit the gas pedal on the golf cart and ran it into my other kids electric scooters/ the wall in my garage. I hopped off to grab stuff out of the back “trunk” type thing and next thing I know it’s gone forward and hit the house. Thankfully she was okay. She was scared, I was scared. We had a good cry. I have insurance on my golf cart. I called them up and they said after the deductible, the repairs to the golf cart would be covered but the damage to my other property (my home, my car, the electric bikes/scooters, my built in shelves and other random smaller items) will not be covered because I own those items. They said had it hit someone else’s scooters/house/car that would cover it. When I got the golf cart, I called my insurance agent so I could add it to my homeowners policy and she said it was cheaper to have a separate policy for just the golf cart and to go through progressive. So this is what I did. I called my insurance company after hearing this news from progressive, and they said they could cover it under our homeowners policy- but that we would have to pay that deductible too. It wouldn’t be worth it to pay both deductibles. I am just surprised that progressive isn’t covering any of the personal property damage. Is this a normal thing?

We recently got hit with a $300 rate increase on our 6-month Geico auto policy just because we updated our odometer. Here’s the timeline: - We bought a used 2022 Chevy Bolt EUV in August 2024. At the time, the odometer read ~30,500 miles. - In January 2025, we started a new auto policy with Geico. - Now, in June 2025, we updated the odometer to 36,500 miles through their system. - After this update, Geico increased our premium significantly. I called a Geico agent, who told me the system assumes 36.5k miles over the entire life of the car, starting from the car’s model year (Chevy Bolt EUV 2022). Since it’s about 3.5 years old, Geico calculates our annual mileage as ~10,400 miles/year, even though we’ve only driven about 6,000 miles in the 10 months we've owned it. She also said that California law prohibits them from adjusting the previous odometer data, even if we can prove when we bought the car and how much we’ve actually driven. That part sounded the most questionable to me, but I’m not sure, which is why I’m here for some advice. I’m not trying to cheat the system, we just want our actual usage reflected accurately. I can provide documentation of the purchase date and odometer at the time (from the bill of sale or DMV forms), but I’m not even sure that can help since the Geico agent said there’s nothing they can do to adjust the previous odometer. My questions: 1. Is it true that California law doesn’t allow insurers to adjust for actual usage if it wasn’t reported at the start? 2. Has anyone successfully appealed something like this with Geico? 3. Should I just start shopping around now for another insurer that works better for low-mileage drivers? Appreciate any insight or advice. This feels really unfair and arbitrary, especially since we were trying to be honest and accurate with our info.

I was in a accident. Mine was certified 23 Crv hybrid sport with only 16k miles in chicago il. I tried passing a car and lost traction. Anyways now insurance is offering only 32k and they say I can only show compa within 75miles. they used Mitchell and jd power. they have listed 10 cars in 75 miles but 4 of them were sold listings. What do I do now to get the best amount possible. I can see listings but they are with more miles same like 30k miles and are at 32500 but can't find listings for 16k miles. This is with progressive.How do I negotiate with the adjustor or is it best to get a lawyer or private appraiser? Also is there a thing I shouldn't submit comps more than 75 miles away?

A couple of months ago I was involved in a small fender bender. I turned right leaving a parking lot, which ended up being a right turn only lane and I needed to go straight. Naturally I began the process looking to merge left. The lane to the left was a turn right or go straight lane. I am looking into my left mirror to see if I have space to merge while also seeing which cars are turning right as I would have no other choice but to make the right turn if there was no opportunity, to avoid a T-bone like situation I notice plenty of space behind Vehicle A once they passed me up. As I am looking at my mirror, Vehicle A speeds up and doesn’t have their turn signal on, meaning they should be going straight. I slow down so they can pass me up and all of a sudden Vehicle A decides to make the right turn abruptly as if they were late to something. They did not see me, but I saw the car, beeped, and did my best to turn along with Vehicle A to mitigate any damage. We collided with typical fender bender cosmetic damages. Within 3 minutes between collision and pulling over, the drivers dad shows up out of nowhere and does the majority of the talking for her. He was saying things like “it’s up to you if you think the hassle of going through insurance is worth it” which I took as discouraging going through insurance because they felt they were in the wrong. The cop pulls up and is very quick to deem me at fault without any major details (Vehicle A had police plates lol). Cop gave major attitude when I asked how I can retrieve the traffic camera footage as it captured the incident perfectly. I also was not cited for anything. I was able to retrieve the traffic camera footage and submit as evidence to Vehicle A’s claim. I was on the phone with the adjuster as she reviewed the evidence with me. She told me it was most likely going to be deemed double fault for “unsafe lane change” and the opposing drivers failure to indicate a turn signal which the footage showed. I understood and was told I’d be contacted before a decision was made. The claim was closed mid February and I was never contacted, so I assumed the claim was denied. Today I reached out to the adjuster to verify and was told the case was closed and I was 100% liable for “unsafe lane change”. I inquired as to what caused the change from the double fault I was told about to this, and was completely ignored in the adjusters reply as she just stated that she’d resend the letter. The letter is very minimal and doesn’t mention the cause for liability. I am livid that the driver gets to walk away with nothing on her record for her negligence. I understood no matter what I’d be affected, which I didn’t agree with as the wording makes it seem like I hit Vehicle A as I merged to the left lane when Vehicle A made the right turn that ended up hitting me. Is this just a poor insurance company or is the lack of communication common with insurance claims?