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.

So, I’m planning on buying a Dalmatian puppy within the next few months and wanted to figure out which insurance I plan to go with before taking the puppy home. I’ve heard pretty good things about Lemonade, and they had a reasonable starting rate, but that went so high when I imput my information. It ended up being about $100/mo without add-ones such as dental or routine vet. Maybe I just don’t get insurance as I’m buying from a very good breeder who has heath testing/CHIC numbers, temperament tested parents, etc? I guess I’m just confused how a 3/mo old puppy of a breed that’s very healthy compared to a lot of breeds people have, can cost so much more than the base rate. This is my first time perusing insurance for a pet so forgive me if I’m missing something obvious here.

This is not a rant, just a breakdown of some shady payment manipulation Citi, and perhaps other banks, are pulling with their system. I caught them trying to sneak interest charges on me and got gaslit by their customer support when I called them out. I used Citi Flex Pay, which is a low interest installment plan that lets you break up large purchases. My last statement balance was \~$1800, with \~$1200 of that being on the Flex plan. This means that my actual non-flex purchases were only \~$550, so to avoid interest, I just needed to pay that amount plus my current Flex installment (which came out to $749.15 total). Here is where they tried to screw me over: Instead of giving me the actual amount needed to avoid interest, they suggested I pay $578.67, labeled as "Remaining Adjusted New Balance + Flex Plan Monthly Payment." Looks reasonable, right? Wrong. That number doesn't actually clear all of my non-Flex charges. It leaves about $200 unpaid, which rolls over and starts accruing interest, exactly what I was trying to avoid. After double checking my math, I called support to see if I was doing the math wrong. This is where they straight-up lied to me. The rep swore up and down that $578.67 would cover everything except future Flex payments (it doesn't). He told me I must have done my math wrong (I didn't). He said I must not have read my statement correctly (I did). When I told him (verbatim), "If I pulled shit like this with a client, I would be fired," he doubled down. Then he offered to take my payment over the phone, as if I would trust them at this point. I just said goodbye and hung up. This is no mistake: Citi is intentionally misleading customers to trick them into paying just slightly less than what's actually needed to avoid interest. If I had not checked the numbers, I would have unknowingly left a balance that would have started accruing interest. They know most people won't do the math and will just trust the suggested payment amount. **This is how banks squeeze money out of people who think they are paying their balance in full.** The takeaway from this: If you use Citi Flex Pay (or any structured payment plan), do your own math. Don't just trust their suggested payment. To avoid interest, you must pay: (Non-Flex Portion of your last statement) + (This month's Flex installment). If you are unsure, manually check your statement and confirm where every charge is coming from. If Citi (or any other bank) tells you a different number, ask them to put it in writing. (Spoiler alert: they won’t, because they know they’re misleading you). The only way to avoid getting screwed is to double-check their math and never assume they have your best interest in mind. I’m sharing this because most people assume their bank is doing the right calculations for them, but they’re not. If you have a Citi Costco Visa or any card with Flex Pay, always verify before paying.

So I just got a 37% increase this year and this is now a 77% over two years. Based on the cost increases in my area for Vet care. This is what they said: We recently reviewed the data for similar pets in your area, and we found that the average cost and use of veterinary care has increased. To ensure that Geena always has access to the best veterinary care possible, we’ll be changing Geena's monthly cost from $302.79 to $413.04 starting on August 17, 2025. Trupanion is unique in that we never increase your monthly cost because you’ve submitted an invoice or because your pet ages. When I called them they said there are many factors that go into this cost one of them is the increased cost of vet care for an older dog. So they do not increase for cost because your dog is older but they do increase your cost because and older dog vet cost are higher. Don't you love insurance companies!!!!!!!!!!!!!!

Pretext: In michigan, 2019 Equinox. So the girlfriend rear ended a trailer, resulted in a decent amount of damage to the front end. Part of the damage was the axle being ripped out of the transmission, loss of fluid and all that goes with that. She files a claim, we take it to a preferred body shop that is a Cadillac dealer. Repairs were made, we pick it up after it’s ‘finished’. I am the one who picked it up and noticed almost immediately there are shifting problems that did not exist before the accident. Called the body shop and they said they would be the first step, so the car was parked and we went out of town for the 4th of July weekend, dropped he car back to the body shop the following Tuesday. Have waited this long for an adjuster to rule that it is not loss related due to it being internal to the transmission. And because he can’t see an impact to the transmission, it would not be covered. I understand it would be hard to prove the problem didn’t exist if it were left only my word. But Progressive won’t pay the diagnostic hours to find out what the problem even is. Am I out of line expecting more out of this? For a car that operated flawlessly before an accident, shouldn’t I expect the same after repairs? What should the next steps be? When I asked about an appeal process the adjuster said they’re really isn’t one, and two supervisors already agreed with him. Am I SOL?

I have TD auto insurance. January, I got into a ditch and called towing service. However, at that time, I had no idea that I could simply submit a towing reimbursement. So I called and opened a claim. Adjuster provided me an email address for towing reimbursement. No car fix was required. Now upon renewal, TD claims that getting into the ditch is an accident claim on file even though they paid 0 dollars on it. I called multiple times and they got me to the underwriting department for a final review. How would this go? Anyone has similar experience? What can I do if they still refuse to see me as accident free?

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.

My Honda CRV 2018 , 48k mileage was rear ended. Bumper damage and tail gate damage. Adjuster estimates says 3.5 K , the auto body shop says repair cost of 14.5 K and insurance company wants to do total loss and settlement of 21k. The shop **initially quoted $3,327.12**, but **after a deeper inspection**, the full cost is now estimated at **$14,412.00**. * This includes **parts ($7,059)**, **labor (body, paint, mechanical)**, **paint supplies**, **miscellaneous charges**, and **sales + county taxes**. # 🧾 What Was Added That Drove Up Cost? Here are some **major cost drivers** from the supplement: 1. **Rear Floor Pan Replacement**: * Part: $1,408.27 * Labor: 29 hours (!!!) * Paint: 2.5 hours 🔥 This is a **huge contributor**. Frame/floor pan replacement is structural and complex. 2. **Lift Gate Replacement**: * Part: $1,701.68 * Paint + labor included 🚨 Signals **major rear-end impact** 3. **Rear Body Panel**: * Part: $877.58 * Requires alignment and seam sealing 4. **Multiple panel repairs, refinishing, seam sealing, underbody work** 5. **Parts & Hardware**: * Several **aftermarket parts** were used to reduce cost (bumper cover, impact bar, moldings) * OEM parts were selectively used (e.g., optional OEM upper molding for $428.48) I am surprised with the high estimate. should I accept total loss and take 21K? anyway to negotiate higher. I was really not set for this time for another car purchase. My daughter is ready for college this fall was busy to manage her finance for college. should I try second opinion from another mechanic.

I will try to make it brief but can answer any additional questions. My wife and I started the process to have a baby. I was insured with Kaiser Permeante (KP) and went to my KP OB. I requested a specific genetic test to be completed (in writing). The DR ordered the wrong test, and instead of the largest panel I received the smallest panel. The records that were sent to me with the results have the name of the largest genetic test despite it actually being the smallest genetic test. I did not realize the error until a couple of months later when my wife and I had selected donors and had to go to a genetic counselor to ensure we did not have any of the same diseases. I was unable to move forward with me selected donors because I did not have the appropriate genetic test. At this time, I was no longer insured with KP and was now insured with BCBS. I went back to KP a requested they proved the correct test, they were unable to without drawing blood again. I proceeded with obtaining the correct genetic test under my new insurance. While waiting for the results both of my two donors were no longer available for purchase and I am now in the process of locating another donor. My wife and I are black, and we are only interested in a black donor. There is a national shortage of black donors and the two donors that we selected were high quality donors (attorney and a doctor). KP has acknowledged their mistake (in writing) and reimbursed me for the cost of the incorrect test. Can I sue the doctor for ordering the wrong test?

I've had a health insurance policy for my mother with ICICI Lombard since 2007. The recent premium was ₹70,000 (including GST) for a sum insured of ₹3 lakhs + ₹3 lakhs bonus, totaling ₹6 lakhs annually. For the past few years, I had been meaning to port the policy but never got around to it. This year, I finally managed to do it—moved to Care Insurance. The new plan offers ₹10 lakhs sum insured with a 50% increase each year, covers pre/post hospitalization, existing diseases, and even includes a few more benefits. And all this for a significantly better premium of 51000 (inclusive GST). After I initiated the port, I got a call from ICICI Lombard asking if I wanted to renew. I politely informed them that I had ported to Care. As expected, they started with the usual pitch about how ICICI is better than Care. When I still didn’t budge, the agent had the audacity to say: **“Lagta hai aap yeh premium afford nahi kar sakte.”** (Translation: *Looks like you can't afford this premium.*) Really? Is this how some insurance companies try to manipulate customers—by playing on their ego? Anyway, I'm glad I finally made the switch. ICICI may want to revisit how their customer support operates.