Just a little PSA for people who weren't aware, when you move you may lose access to your old policy. I've had my policy for 2 years and in that time one of my cats turned 15. because I'm moving, they are charging me a deductible again and also won't cover my cat on the same plan anymore due to age. I'm going from 80% coverage on an unlimited amount to a cap of $2,500. in a HCOL area. I'm obviously devastated but just wanted to share. might have chosen a different place to live if I'd known how screwed I would be.

I just got an email that they're increasing premium from $38 to $60 in 60 days. Any suggestions on another insurance company?

Alright here we go. So July forth I was going down a back road (rainy) as I cut the corner I see this Tahoe coming at me at a 90 degree angle (she lost control) and just smashes into me. I didn’t have insurance on this car I had it’s one of my cars I don’t drive often, but with all the pictures and you can clearly see it’s her fault farmers insurance is still denying that’s it her fault I’m at total loss of words (no dash cam) I’m not going down without a fight or a payout so I’m consulting a injury lawyer but is this how it really goes? The pictures her car is just layed smashed into my car and they say it wasent her fault?

On February 8th, my car was parked at a Miller’s Ale House, and it was hit by a truck that was parked right next to it. The restaurant manager found me and told me that the situation had happened, but the truck's owner was waiting for me. I went outside, the guy verbally confirmed it was his fault and offered 200$ to pay for a new bumper (that is the only thing that was damaged). I do not know much about the costs of parts and fixes, but it seemed not right to me, so I told him we should let the insurance deal with it. he agreed, and his wife showed me her insurance info from Dairyland on a screenshot. The truck that hit my car was not listed in that screenshot, but she assured me it was. I took a picture of the plate, and that was it. On Monday, I called their insurance and placed the claim. They asked many questions about the incident, and I answered them all. They gave me the name of the Adjuster and a reference number. She contacted me days later with more questions, which I answered, and asked me for pictures of my car from all angles. Since I heard any contact from the Adjuster I decided to call her today and she said that they haven't been able to gather evidence from the other party because and I am quoting her: “Since the police was not called the day of the incident, they have no direct way to contacted them, so we are at the mercy of them contacting us”.  I was not raised here in the US, and this is the first time I have had to deal with a situation like this in my life. In hindsight, I think I did not manage this very well. I didn't want to call the police since, yes, he probably was drinking inside the Ale House, but he was with his kids and wife, and I did not want the drama. Maybe I was wrong. I took a picture of his plate, and I have his wife's name and address. I did not get his phone number. I also have the manager’s restaurant as a witness.  I am incredibly frustrated. I handled this wrong. My beautiful Miata has a big dent in the front. And sure as hell don't have to be responsible for it. What should I do? Should I sue the guy? I do not get why the insurance can't contact them, maybe they gave me another insurance info. Is there any other way to deal with this? Help me Reddit!

Long story short, I was driving home from work in my work truck F150. I had merged lanes to the left after my lane had ended. I was completely in the new lane. Fully stopped when I was rear-ended by a car. Called the cops everyone was OK etc.. Both vehicles had a couple thousand dollars in damage. Luckily there was a witness who stopped and told the police that it looked like it was the other driver who rear-ended me. Call my Insurance tell them the story they tell me I’m at 0% fault. And then about an hour later, they call me back, saying the other driver with no insurance and no license called and filed a claim on my commercial insurance. To my insurance said I was 100% at fault. I proceeded to argue with the progressive insurance claims adjuster. He said that I was 100% at fault for changing lanes. Fast forward when I get the police report. Police report clearly states she is at fault. She rear-ended me she received multiple citations, including improper lane change no license no insurance. I sent the PDF of the police report to progressive and within minutes he called me saying I am at 0% fault. My question is, why did I have to go through all of this thinking I was at fault and worry about rates going up? already installed front back dashcam :)

This happened a bit over a year ago. I was driving my girlfriend and her coworker to work and pulled over near the curb to let them out, at the same time another driver starts backing up so I lay on the horn but he hits my car my girlfriend and her coworker both were still in the car when it happened and saw everything. We get out and they are not communicating at all and possibly didn't speak english. Police were called and they didn't show up for over an hour and he eventually started trying to drive off. I follow through for half a block and he stops and backs up into me again. His "son-in-law" came after I guess they called him and he started trying to gaslight me into believing I hit him and theres no proof and that police aren't going to come. LOL. Police eventually pulled up and the other driver started to feign a heart attack or something. They even called the ambulance and the EMT didn't look pleased... I got the police report, report states: **"V1 STATES HE WAS PARKED WHEN V2 WAS REVERSING INTO A PARKING SPOT COLLIDED CAUSING DAMAGE TO FRONT BUMPER. V2 STATES HE WAS TRYING TO TAKE A PARK IN SPOT WHEN HE COLLIDED INTO V1. V2 CLAIMS THAT V1 WAS NOT THERE ARE THE TIME HE WAS REVERSING. V2 DRIVER WAS TRANSPORTED TO BOOTH MEMORIAL FOR CHEST PAINS. PO DIDN'T WITNESS"**. I got the insurance info and drivers info from the police report, called their insurance to make a claim. They instructed me to go to this auto shop and get a quote for damages, went there, the shop said they will call me about the quote. I never heard from the body shop again even after calling them they said they'll send it and never did, the insurance company never again picked up my calls after weeks of calling. I have liability insurance, with Geico and they said to file the claim with their insurance. This is in NYC, the other driver had NY plates but insured by a NJ company "Plymouth Rock Auto Insurance" Due to my girlfriend and I living together, Geico requested me to add her as a secondary driver, I told them she does not even have a license to drive and of course never drive my car. They sent numerous letters and emails about this. Each time I replied online and called in to explain that to them, they acknowledged and I thought that was over. They ended up dropping me, and I didn't even realize for nearly a month and then I was fined by NY for driving without insurance. Paid the penalty and started looking for other insurance. Nobody was willing to cover me due to a gap in coverage, possibly the accident being reported, etc. I was only offered to be insured by GEICO AGAIN LOL. They doubled my rate for liability insurance nearly $400 a month and I've been paying that since. Need advice on how to get what I'm owed for the damages they caused to my car.

My Dr wants to enroll me in a weight loss support group program. I have a high deductible plan with UHC so I will essentially be paying out of pocket until I meet my annual deductible. Dr's office asked me to call my insurance to check if it's covered, and they told me the billing codes. UHC said it's covered, but the cost ranges from $30-250 (per 20 minute session) depending on what the provider charges. They will pay 90% after I meet my deductible. They say that they don't know how much a particular provider will charge. I asked my Dr what they would charge, and they said the price is set by the insurance company. Who is lying?

So my mom (74) went to the dentist for a root canal today and was told the procedure was covered by her insurance. She has Humana and a root canal on her plan should be $0 out of pocket, however, she ended up paying $1800 because she felt stuck. We found her dentist through the Humana provider site and called the dentist to make sure they took her insurance. My understanding is that once you pay, it’s a done deal but does she have any legal recourse to recoup that money? Thank you in advance

Seeking advice from folks involved in the auto insurance industry... A bit of background. We've been insured with State Farm continuously for over 30 years, getting both home and auto insurance from them. A couple of weeks ago we received a notice that they were dropping us from our auto coverage because there were 4 claims on our record: 1. An accident where my wife was at fault, where she hit a car in a parking lot. Our insurance ended up paying out about $3,000 for that accident (mostly to other driver.. very little damage to our car) 2. An accident where my 17 year old daughter rear-ended another car at low speed. There was minimal damage to the other vehicle (scratches on the bumper) but due to the age of the car my daughter was driving, the amount of damage to her car was high enough that the vehicle was totaled, and the insurance paid about $6k to us for the totaled vehicle. 3. My older daughter was riding her bike (pedaled bike, not a motorcycle) 4 years ago and was hit by a car who illegally ran a stop sign. The other driver was found to be fully at fault, and State Farm paid absolutely nothing for that claim to anyone. In Texas apparently anytime there is an accident with a bike and police are called, it gets reported to your insurance. 4. My older driver was riding her bike again 2 years ago and was again hit by a car who rear ended her as she was legally riding on a city street. Again, the other driver was found to be fully at fault, and State Farm paid absolutely nothing for that claim. State Farm said that those 4 accidents were enough to drop us from coverage. (Technically, it's a non-renew, when our policy ends in about 3 weeks.) While I personally strongly disagree with them considering the 2 bike accidents, their representative told me that they are within their rights to do so, and that they have indeed done so, and that "there is nothing you can do to appeal". That upsets me, but that actually isn't my question! Because we're being dropped, we've searched for alternative insurance. I have obtained quotes from a variety of companies, and found that Progressive is offering coverage that is comparable (actually, a little better) than the State Farm coverage we had, at a fairly significant reduction in cost over what we had been paying State Farm, so we're switching as soon as our current term with State Farm ends in a few weeks. On one of our vehicles that is currently insured (with comprehensive and collision coverage), we sustained hail damage on the car a couple of years ago, resulting in dents to a number of the body panels and a crack in the windshield. None of these things bothered us that much, and we've just let them go. However, we are considering filing a claim for that damage before we leave State Farm and getting them repaired. I'm not sure what the total cost will be, and it's a somewhat older car, so I'm worried that MAYBE the cost of repairs could end up reaching the dollar threshold where they would total the car, but there is nothing whatsoever else wrong with the car. Here's my real question: If we did file this claim with State Farm before we leave them, is there a potential that this could come back to bite us later with Progressive? Would having this claim for hail damage impact our rate with Progressive, either now or later? Also, if they did decide to total the car, it's almost certain we would choose to buy the vehicle back (not relinquish title) and then hopefully fix the damage on our own, as best we could, using whatever State Farm paid out after the buyback. However, would the fact that the car had been totaled impact its future insurability or our rates for insurance coverage? (We've had a history of always getting "full coverage" on our cars, even though they are paid off.) My understanding is that Texas does not require a salvage title on a vehicle if it is totaled due to hail damage, although I'm not positive of that. Any advice from folks "in the know"? Thanks so much!

TN/ Progressive So i damaged my car a few weeks ago. My insurance sent my car to a body shop. Body shop had stated needing to disassemble the car but like also needing to wait for a mechanic to do so because if something was wrong the mechanic would need to fix it. Issue is they don’t have an in house mechanic and parts needed to be ordered. The mechanic didn’t come in after parts arrived until a day or two later. Now as they are fixing it, they need other parts ordered. This is quoted to take a whole extra week after 2 weeks with my car only being actually worked on a few days ago. A friend said I should express more frustration and should get some sort of compensation. I’m not sure what kind to expect or from who. I feel like my insurance should have sent my vehicle to a place that would have properly fixed it at the quoted time which was a reasonable time frame. But now it’s quieted for a week later and interfering with tracking I have. Can I get my insurance to pay for a rental e