My question in the title does not in anyway mean as an attack, simply my genuine curiosity based on my personal experience. My parents recently migrated to California so we went to a certified enrollment counselor in NorCal. For some reason this counselor keeps pushing BenefitsCal and also to sign up for her clinic's health care plan. I am already a Kaiser member myself, so I wished to sign my parents up for Kaiser as well. But she kept pushing back, I assume because she benefited if we signed up for her orgs plan. The whole thing made me very uncomfortable. Wondering if anyone has experiencedthe same?

I got a new puppy (7 weeks old). Got embrace pet insurance that same day. Took her in for her first vet appointment as a good pet owner should about a week later. Obviously this was still during the illness waiting period. But it appeared I had a nice healthy puppy. Turns out she has a heart murmur. First vet graded it as a grade 4 and told me to see a cardiologist. I went and got a second opinion and they graded it as a grade 3 and we are going to watch it and see if it goes away in the next couple months. Anyway, embrace pulled the SOAP notes from the 2 vets and are saying it's not covered as it's a preexisting condition. I plan on appealing it, even going to the California insurance board or whatever it's called if I have to because it seems like that is such BS. I'm being punished for taking my pup to the vet too soon. My question is, what is the best way to word the appeal to the embrace adjuster? It's not right that an 8 week old puppy getting it's very first exam should get that classified as a preexisting condition.

Before I contact them does anyone know why I could get a 42% increase in cost at renewal? I've been with them for over a decade! I had one claim this year because lost control of car in snow storm and hit a pole. My rate went up by $11 a month(which I understood) but a crazy rate increase at renewal is new to me! Is this normal??

I’m 20 Male, In California, 2 years driving record with a Clean history. I’m buying a New Ford Maverick 2025 XLT and looking for insurance but I keep getting quoted around $2300 total for ONLY 6 months. This seems insane I know my age and new car and more plays a role, but even then it seems absurd how much it is for just 6 months not even an annual term. Is there anything I can do, or people that might offer me better prices or discounts. I’ve tried most companies and feel as if I won’t get anything better then $2,100 from Progressive.

I DO NOT RECOMMEND this pet insurance company if you hope and expect your dog to live a full life. My dog is now 11 and had a cancer issue that was successfully taken care of 2.5 years ago. And I am 69. I just received a rate increase from $83/month to $216/month. That’s a $133 month increase. Triple my monthly rate. Healthy paws suggested I lower my rate by increasing my deductible. Or lower my reimbursement rate. Any way I calculate it, it basically comes out to cost me the same. And the cost would be prohibitive to go somewhere else at this point. I WOULD NEVER HAVE CHOSEN THIS COMPANY IF I KNEW THEY WEREN’T IN IT WITH ME FOR THE LONG HAUL. They were hoping my dog would die before they took a hit on their profits with my dog. The rep told me there’s nothing they could do for me. I told her it was easy to triple my rate. It should be equally easy to lower it back down. She said no.

Didn’t get my license till I was 18 and never have had an accident on my record. I’ve been with progressive for a few years now and my monthly payments have only gone down once like 20 bucks when I renewed last year. Got about 2 months left on this policy and I don’t think I should be paying almost 300 for an 06 Camry man would it be best to start trying to find a new provider once this policy is up? Also I’m 24 living in the dfw area

Is this auto insurance premium reasonable? ($1,208.10/year for two cars) Vehicle 1: 2008 Lexus IS 250 – $715.48 Vehicle 2: 2008 Honda Civic LX – $494.38 I'm in California and just renewed my auto insurance. I've been with GEICO for a while, but the premium keeps going up every year. Is this normal?

So my driving record is pretty good, all of my scores are at 100. Last month in June, I was getting on the interstate and had to pick up speed quickly so I got marked for acceleration and cornering. Those 2 events brought me down to 60 something from 1 time. Usually after I have an event, it doesn't take long for me to get back up to 100 as I don't like to accelerate as quick. It's been over a month with no other events and it won't go up. I drove yesterday and my score was 89 for acceleration and 88 for cornering. After my 3 trips I checked the app and hour later and it went up to 90 and 89. This morning I get back on and it dropped both to 88 even though I haven't driven since yesterday. I called 3 customer service lines and my local state farm representative and I'm getting the run around. My 6 months discount is for August so I'm wondering if it's doing this intentionally so I don't get as big as a discount when I'm up to 100 for everything.

I own four vehicles. They’re all older and there are frequent repairs, so I rotate through them. My 24-year-old son also rotates through them, but mostly uses only one of them. We own that vehicle together. Both our names are on the title. He rents an apartment in a different city an hour from me. My name is on his lease as they would not rent to him without having much rental history. He was required to have renter’s insurance, so as one of the renters, my name is also on the renter’s insurance policy. My auto insurance company just notified me that my policy will be canceled because “Not all vehicles are regularly garaged at your household. Therefore, this risk is unacceptable and we cannot continue your policy.” My question is, is there any point in me arguing with them? I rent the property so why can’t I keep one of my vehicles there? It’s in the same state, only an hour away. What do people do who have college students who are away at school? What do people do who own multiple properties and keep vehicles at both of them? Is there anything I can do or should I start looking for a different company? Are there any companies that allow multiple garages? Thank you for any help. *Edit* my son‘s permanent address is my home address, if that matters.

So I filed a claim with **Esurance** because my **rear porch shifted**, which is obviously a safety issue. I was hoping they'd help cover the repair costs — after all, that's what insurance is for, right? Instead, these snakes not only **denied the claim**, they turned around and **called the Village of Skokie** on me. Next thing I know, I get a **final notice from the city** saying I'm in violation and have to fix my porch or face a hearing. Let that sink in: **I went to my insurer for help. They ratted me out to the city.** Now I’m stuck with: * Full repair costs out of pocket * A city deadline to fix everything * No help from the company I’ve been paying for years Just a warning to others: Esurance will happily take your premiums, but if you ever need help, they’ll throw you under the bus and add more stress to your life. **Avoid them.** Has anyone else had them pull shady stuff like this?