Location: Dallas, TX. I was out of town in November, and my vehicle was being driven by my housesitter, who was involved in an incident where (I believe) the other driver was at fault. She stated she was sitting at a four-way stop when it was her turn to move forward and a driver came through the intersection without stopping and swiped the side of my vehicle. He provided to her his drivers license and car insurance information at the time of the incident. When I returned from my trip, I filed a claim with his insurance, which was USAA. No police report was filed. I have insurance through Texas Farm Bureau but liability only with a 1k deductible. The first agent I worked with at USAA was completely unresponsive, I reached out multiple times to her over the course of several weeks before I had any follow up and had to escalate my claim to a manager. Finally, a second agent was assigned. The second agent originally told me that, based on the first agent’s notes, the claim would be closed in my favor, she just needed to verify with her manager because no one had been able to contact the driver. The next time we spoke, however, she said they needed to speak with the driver to verify events before they could close the claim. Basically, over the course of several months, the driver refused to contact USAA or speak with them about the claim. According to the agent, they sent several letters and calls. I’ve just received a denial letter from USAA and the advice from the new agent is that I file a claim with my insurance and they can try to recoup any monies from USAA; however, I’ll basically just be paying out of pocket bc of my 1k deductible and liability coverage. I haven’t gotten an estimate on my vehicle yet but the damage doesn’t seem extensive, I would think maybe $1000-1300 in repairs; however, much more than I can afford. Do I have any recourse to get this handled with USAA? Updated to add paragraph breaks. :) Also updated to say I will double check with my agent about my policy tomorrow (they're closed now). I thought I had liability with a 1k deductible but I'll double check on whether or not thats for collision coverage. I looked at my policy documents and I can't tell what I have... Thanks for all the help !

Had anyone else had a sudden very large increase on their auto insurance premium? I've had allstate for 1.5 years now, and it suddenly jumped up by over $100 a month with no changes. This seems to big a hike to just be rising insurance costs. Has anyone had a big increase as well? Or suggestions for what to do? I can never seem to get an answer from Allstate. One customer service person told me that Florida was having storms and this impacts insurance prices (I don't live in Florida). I'm thinking about just changing insurance companies :(

Got a policy update email that will take effect in 63 days. Going from $196/month to $567/month. This is actually insane. I got on phone with them and they said it’s not my amount of claims but they consider the state of CA and thst since it is pooled insurance it is what works best for everyone. I was like, this payment is like a luxury car?! The only thing they said to do is lower the reimbursement and up the annual deductible; right now I have 70%/$500 and if I switch to 50%/$1000 it is $372. My dog is 14 years old for the record. I just feel stuck and frustrated. Especially cause switching to a new one means everything becomes pre-existing. Does anyone have a similar experience? Advice?

Healthy Paws Deleting Comments re: Massive Premium Increases on Instagram.

In 2020 I had voluntarily repossessed a mobile home I had bought with a loan through Vanderbilt. Flash forward to now, I’m trying to buy a house and am running to issues with the classification of the deficiencies on that mobile home that I surrendered. Vanderbilt is internally handling the deficiency balance instead of selling it to a collections agency, which makes it an internal collections between me and them. However, when handling my credit now, Vanderbilt is now saying that it is a “voluntary surrender with a decreasing deficiency” instead of a “collections account” which is preventing me from closing on my chosen house. I have been talking with Vanderbilt and looking for further clarification on this because the repossession was finalized years ago and they sold the mobile home and have left me with the deficiencies, hence a decreasing balance (in collections through them right?). However can I have an active and open repossession when the property in question no longer is in my or the banks possession? I asked for clarification on if it is a collections or open repossession, because it can’t be both at the same time. I was told they don’t know and that they will ask their credit department on what they have it listed as. I am awaiting the answer which I should get by noon tomorrow. Furthermore, in January they reported the account to equifax as a collections account that is having payments made. In February they reported it as an active mortgage with a severe deficiency and declining deficiency. I’m at a bit of a loss, my current bank I’m going through is pissed about all of this, and I’m seeking some advice before I get back on the phone tomorrow.

My homeowners insurance company called me and told me I need to replace my roof and get rid of the t-lock shingles or they will drop me. Is it right for them to do that? The roof is in good condition doesn’t leak or anything. They are basically forcing me to get a good roof redone. Is there something I can do to have them help pay to where I’m not replacing on my own?

Hi. I have never seen any insurance company charge interest on car insurance. I got the paperwork and my payment went up 70.00 a month from what he quoted me. The interest is 14.5 % for not paying it off in full. How many people can pay 6000 yearly in full. This is crazy. Please help me understand. Ty :)

Last Sunday, I was having dinner with family when a drunk driver left the restaurant parking lot and decided to take my parked truck with him. Thankfully, nobody was in the vehicle, but the damage was significant — around $6,000 according to the repair shop. The other driver's insurance accepted liability and is covering the damages to my truck, which is good. But here’s where it gets frustrating. I live alone in a rural area and have no other transportation. I work weekend shifts (Friday–Sunday) with regular overtime (usually two extra 12-hour days). Because I had no vehicle, I missed work this weekend. The truck was towed to the shop, but they can’t begin repairs until *two Mondays from now*. The insurance company told me they won’t cover a rental car until repairs actually begin, even though their policyholder was 100% at fault and drunk. How is that fair? I'm out two weeks of transportation and potentially $1,800 in lost wages because of this. I’ve never filed a claim before, and I feel totally lost in this process. Some questions: 1. Can I push the insurance company to cover a rental now, not just when repairs start? 2. Is there a way to claim lost wages due to this incident? I have no PTO, and this is directly affecting my livelihood. 3. Should I be speaking to an attorney about this, or is there another route to escalate the claim? Any advice or guidance would be really appreciated. Update- I live in Maine but the accident happened in new Hampshire if that makes a difference.

Anyone currently enrolled in TBL please be aware they have changed how they are "insuring" retired first responders and their families. We have filed a complaint with the Ohio board of insurance. They have changed our plans without giving us the option of deciding if it's how we want to be covered. They have changed what medications will be covered and how our providers will be paid.

Healthypaws is raising our premium to $35/month/cat, have had general cat insurance but almost nothing has been covered - their issues (cat herpes early on, recently anal gland stuff) is hardly covered or not at all. Looking at catastrophic/accident only insurance - is this worth? Do you have a company you like/hate less than all the other companies? Looked at PetsBest which is suspiciously inexpensive at $6/month vs aspcapetinsurance at $22/month for the same coverage. Any help is appreciated!