Have an issue with your insurance?
Let everyone know!
Insurance companies are constantly reviewing us. Are we too old? Do we live in the wrong place? Is our credit score high enough? Well, now it's time to turn the tables. Do you charge too much? Will you pay my claim quickly? Is your coverage worse than it seems? We can review you too.
Safeco - Safeco RV Claim
I have comprehensive and liability coverage for my Class C RV through Safeco.The coverage is for full-time RV living. We've had a couple things happen.
First, we had a tire blow out. This caused damage to the door to the LP tank, the shelf that holds the LP tank, and it literally blew a hole into our RV. It didn't cause any frame damage and the hole is in a location that doesn't make it a safety risk (it's under some drawers).
When this happened, I didn't even think about insurance and that would continue for a while (mea culpa, I was really sick at the time).
Fast forward a month. We'd just gotten onto I-90 near Utica NY when the bolts for one of our tires sheared off. We had to get towed and the next day the tire itself was fixed. There was some minor structural damage to the RV (cracked mirror oddly enough, a couple of dings on the back end) but then also began having cascading electrical issues: I can't confirm at this time but I think one of the bolts damaged something, most likely the RV's inverter.
So I submit the claim for the tow, the repair to the tire and electrical damage, plus the damage for the tire blowout.
We spoke to the adjuster the same day and she told us we should take the RV in for an estimate. We did that and the person who did the estimate told us that the insurance company would try to low ball us. Which they did.
The adjuster knew we were getting an estimate as she'd asked us to. Meanwhile, they had their own estimator come up with some figures based entirely on the pictures that I submitted. And yeah, lowball they were - $1700 for the blowout damage and about $3500 for the damage when the bolts sheared on the tire. Each amount was less my deductible. That was yesterday.
I sent the adjuster a text and told her the figures were very low, the labor rate alone was half what it should be, and the estimates seem to have some issues from the tire blowout damage and from the bolt shearing mixed up, so one of the estimates has some of both.
No response.
I know the company we went to submitted their estimate yesterday. But today, Safeco paid out based on their estimate. And they sent the payment to a random address that has no connection to me.
I did email the adjuster and told her this isn't acceptable, it's not even based on an estimate by someone who has *looked* at my RV, and you send it to some address I've never heard of. I don't expect a response to that, either.
So beyond the address issue, what are my options here? My RV is barely driveable and I live in it. I'm positive that the amount of damage to it is more than it's worth (it's an older RV). I am really discouraged at this point.
Erie Insurance - Erie Insurance Rate Hike 2025
Got the new 2025 Auto Insurance invoice from Erie Insurance. The only thing I can figure is one of my adult sons hit an unknown object lying in the middle of the turnpike late at night that resulted in some damage to one of our cars. It wasn't anyone's fault and Erie ended up paying out about $3,500 for repairs. But I don't think that justifies such a huge rate increase for each vehicle!!!
**Anyone else get huge price jumps from Erie Insurance?**
\_\_\_\_\_\_\_\_\_2013 Accord| 2010 LaCrosse| 2013 Sienna| 2021 Accord| 2017 Accord|
2024 Cost| $ 436.00| $ 207.00| $ 326.00| $ 368.00| $ 371.00|
2025 Cost| $ 634.00| $ 337.00| $ 733.00| $ 699.00| $ 596.00|
% Increase\_\_\_\_\_\_+45%\_\_\_\_\_\_\_\_\_+63%\_\_\_\_\_\_\_\_+125%\_\_\_\_\_\_\_\_+90%\_\_\_\_\_\_\_\_+61%
Progressive - Progressive cut my insurance premium in half after I called them
So I moved to the US from Europe over a year ago and have been using progressive since they insure people without a state license (I live in MA). I paid 1200 dollars every 6 months until just now when I spoke to my friend who also moved here at the same time and he paid way less on a much newer muscle car.
I call progressive and they do a reqoute and my policy gets cut in half and I now pay 640 every 6 months. I feel like they entered some wrong information the first time around - do I have any recourse for them to pay me back if they misentered information the first time around? Of course I accepted the payment and condition so maybe there's just nothing to do.
My friend who I compared policies with has the exact same coverage and started off at the much lower rate of \~600$.
insurance company - Totaled car market value - does this adjustment of value seem fair?
I have a 2012 Prius V that was totaled in an accident. It has 40k miles on it (I got it from an eldery couple who almost never drove it). The insurance company came back with 3 comparison vehicles, all were same year/make but all have 90-100k miles. They are saying that the "adjustment" of value for the mileage difference is only $1500... Does that seem right?
Cigna - Employer offers three tiers of health insurance, open market plans are similarly priced
I work for an employer that does Cigna healthcare with three tiers, but the costs for all three plans are similar to the three tiers that Blue Cross Blue Shield offers on the open market. I currently have a premium plan with BCBS for ~$1400/month and my employer’s premium plan is also ~$1400/month.
How do companies get away with “offering” healthcare insurance that isn’t subsidized at all? This seems very disingenuous
United Health Care - High Deductible Plan but I’ve now run into significant medical issues
I have United Health Care’s high deductible plan, which I chose vs the lower deductible when I started my job 3 months ago for the HSA and because I have no medical conditions and rarely see a doctor. I’ve developed neurological issues the last month that have required a doctor visit, MRI, and now a follow up and likely more testing with a specialist. The doctor visit was $177 after a discount and MRI was $621 after discount. Does insurance even with that plan really not pay anything more? My old plan through my old job was high deductible with HSA, but bills were still only $70.
At the rate I’m going, my old and new HSAs will be drained well before I hit my deductible, so I won’t have money to pay the bills. I guess the short answer is the doctor offices won’t get paid until I have the money, but is there anything more I can do? I can’t imagine how expensive seeing a neurologist will be plus whatever tests they want even if in Network.
Geico - Investigating location of Vehicles
I have 3 vehicles under my name, we were in the middle of moving between cities and I decided to change the location. Due to last minute changes, we decided to stay at our current location. I went to log back into geico to change it back and it says they locked my account and when I called them they said “they are investigating the location of the vehicles”. What are my options now and what should I do?
UnitedHealthcare - Copay Accumulator Program
I have read some prior threads for this but they are from a year ago and I'm curious if there have been any changes.
Background:
I have had UHC and used Optum for my specialty pharmacy for years. My specialty medication is a biologic with no generic equivalent. The manufacturer provides me with both a copay card and a payment card. My deductible has consistently been met in January every year using the payment card, and then the copay card picks up the copay for each month for the rest of the year.
Situation:
This year, the manufacturer payment card was processed as usual and applied towards my deductible, however, they went back a few weeks later and reversed it from my deductible. When I called them, they said nothing has changed and the payment card, as a form of manufacturer assistance, cannot be applied towards my deductible, despite that having always been the case.
Based on what I have read about an HHS ruling, they are required to apply this towards my deductible as there is not a generic available. I filed an appeal and was denied. My employer plan is likely self funded, but from what I have read, that should not matter. Has anyone gotten a resolution to this issue?
Embrace Pet Insurance - Best way to appeal a decision?
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.
Progressive - Why would I not get my full pip coverage?
I have $2500 in pip coverage and over $30k in medical bills. I’ve only gotten $900 in pip coverage. My lawyer said that is the offer from progressive. Why would I not get the full pip amount? I’ve also lost over $30k in income but my attorney won’t submit income loss.
Make A Complaint
Loading...