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State Farm - State Farm customer service line connects me to someone having a random conversation?
I go through the prompts, I get connected to someone, and I just hear a conversation between two people talking about random things that I can barely make out. They don’t respond to me so I hang up and try again, same thing. What is actually going on? Do customer service reps just answer and then ignore people so they’ll hang up?
Progressive - Progressive claims they paid $5,000 to pick up my car from the tow yard. Tow yard is claiming Progressive paid them nothing.
Hi, I am really lost and in need of advice. I was involved in an accident where my car had to be towed away (edit: to a combined autobody & tow shop). Because the airbag deployed, they were assuming it would be totaled, and Progressive said they were coming to pick it up to evaluate the damage themselves; not allowing the body shop to give an estimate. (edit: 2013 Kia Optima) I was told by Progressive that the driver at fault carried the minimum property damage allowed by the state of Maryland and he was "afraid we were nearing that limit since they paid $5,000 to get my car released from the tow lot." My car was there for 1 week (8-5 thru 8-12) and I released it to Progressive on (8-8), they just didn't pick it up until today, 8-12. I thought that was a crazy amount, so I called the tow yard(edit: combined tow yard/body shop). They claim Progressive did not pay them a dime. The body shop only received a check from a salvage company (which I didn't (at least knowingly) authorize, and they don't even have proof of the title in my name.) The tow yard (edit: combined tow yard/body shop) is claiming that even though they got a salvage check, that shouldn't affect the amount insurance should pay me. Does anyone have any additional information or advice? Is this just a "he said / she said" situation? TYIA!
Assurant - Should I include Liability in my Renter's policy if it's covered by rental company?
I'm thinking of changing my renter's insurance of 8 years Assurant (Actually did some research and did not hear good things about them) to bundle with USAA. My apartment company has an "insurance fee" as part of the lease which covers liability, so all I would need is coverage for property. Since liability is now part of the lease, I was thinking of dropping liability from renter's policy to save some money. Is there any reason why I should keep liability on my renter's policy that I can't think of?
Lemonade - Is parvo going to be a preexisting condition for life?
We recently rescued a mastiff puppy. She came down with parvo but is on the road to recovery. I would like to get insurance for her but I am concerned that having parvo as a puppy is a recipe for getting denied for any claim going forward. It just seems like parvo is one of those illnesses that could count against anything that goes wrong in the future. I reached out to Lemonade and their response was very general and generic. Preexisting, reviewing history with any claim, etc, etc.
California FAIR Plan - Paid CA Fair plan late
I paid my premium online on Aug 5, and they took the money. I have a receipt. I received a cancellation notice today saying I didn’t pay the premium. I looked and my insurance expired at 11:59 PM on Aug 4. Has anyone had a similar experience? Any guidance is welcome?
State Farm - State Farm Issues
So I signed up for State Farm Auto/Renters insurance and all was well. I decided to switch agents because I was not happy with the communication speed I had with the old agent, so i submitted an Agent Change request online.
It has been more than a month since the original request and only the Renters Policy moved. The requests show complete, but now I noticed my Auto Policy completely disappeared from my account.
Did they mess this up and cancel my policy? I haven’t gotten any emails or documents online stating this. This has been so frustrating and I just want to not have a lapse in coverage for their mistake.
Has anyone dealt with this or something similar?
MetLife - Should I switch over to Metlife?
Not your standard switching question, honestly. My partner got a job that offers metlife so our 2 dogs are eligible to switch over to metlife from our current insurance. We have petsbest currently. I already checked and there's no concerns about it being my partners work (and only I am currently on my the petsbest insurance). I spoke with metlife on the phone extensively so I can switch anytime basically, i'm mostly wondering reasons I might want to stay vs not.
Both my dogs have quite a few medical conditions and Petsbest has generally done due diligence. I insured my pit mix in Jan 2022 when I got him and they've covered almost everything. (Annual premiums: 2022 was 460, 2023 was 560, 2024 was 725, and this year was 1032. 250 deductible, 90% reimbursement, unlimited level). They denied only one claim. They denied something and considered it alternative. Even tho it's supplied by a teaching hospital, has studies, and the doctor wrote a huge letter explaining why it was the only option for my dog (my dog has multiple concurrent co-morbidities). They still said no. I asked before hand but they wouldn't pre approve and when I said I was concerned bc it was a big bill they just said I could always appeal. I did, and even with a super detailed letter, nothing. However, he has MANY medical conditions- allergies (on apoquel, immunotherapy, regular derm visits), anxiety (on a couple medications), hip dysplasia/OA and IVDD (on meds and may need surgery). So they've more than paid for his medical conditions.
Second dog we adopted in Sept 2024 and she was a 500 deductible, 90% reimbursement and 816/yr. Ended up in 12k in bills between emergency surgery, post op complications and follow up labs. They've paid up. We had to appeal one thing but successfully this time.
Petsbest has been fine and paid and processed, though slow, which is fine.
I'm mostly considering metlife as both dogs are on prescription foods and metlife will cover wellness care. I could get both dogs annual dentals (which i always planned to do, but was considering pushing it out to 1.5 years out when I'll get a better dental price at a new employer), get tick and flea prevention covered! (200 for one dog, 220 for the other). The prescription foods for the dogs run me about 70 every 1.5-2 months. I'm seriously considering it but feel like there may be something I'm missing. The company confirmed they'd cover rx food even tho petsbest doesnt, btw. Same with dental cleanings.
These were their quotes and I was planning to go with the most expensive one, tbh:
* Family plan: 250 deductible, 90%, unlimited was 2108.92 without wellness
* With wellness: 2938.44
* Family plan: 500 deductible, 90%, unlimited was 1783.25 without wellness
* With wellness: 2469.98
* Family plan: 250 deductible, 80%, unlimited
* with wellness: 2047.84
* Family plan: 500 deductible, 80%, unlimited
* with wellness: 1728.52
Would love any insight and opinions.
Santander Consumer - Collection removed but not original creditor
Santander Consumer sold the debt to Jefferson Capital, and it was removed from my credit report. Why is Santander still on my credit report and not removed as well? Btw Santander is a charge off account
Conduent - Health insurance vendor pressuring me to sue my neighbor
Help me understand this one.
My wife was injured by my neighbor's dog, knocking her down and tearing her ACL (it wasn't aggressive, just large and friendly, freak accident.) Surgery was very expensive, went through my employer based insurance, no big deal. We start getting letters from Conduent, asking if someone else was responsible. Yes, neighbors dog and property. Gave them the insurance info, we all expected some subrogation of claim and I'd prepped my neighbors for that.
Then I get another letter asking about what legal representation we retained in a suit against them. I called them and told them we haven't sued them. That we have a good relationship either our neighbors, it was a freak accident, and we aren't litigious. The woman sounded extremely skeptical and said something to the effect of "let's see how you feel about your neighbors in a few months. I'll check back in 6 months." It was the tone that really bothered me, sort of like "oh you just wait and see, you will!" Like something is coming down the pike that's really going to ruin my day and make me want to sue my neighbors.
Can someone walk me through this one? Insurers work together in auto accidents without requiring litigation, I figured it would be the same thing here.
GEICO - how do I bundle home + auto + umbrella and not overpay
CA folks — need some insurance wisdom.
New home in contract → current home becomes secondary. 2 autos + want an umbrella policy. Been with GEICO forever but they keep hiking rates.
What’s the smartest way to shop & compare bundled quotes for all of this in California’s nightmare insurance market? Any go-to brokers or tools you recommend?
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