A couple of weeks ago a gentleman ran the stop sign in front of my house and used my new mudroom as a stopping mechanism. We were told to get an estimate from a contractor and they would cut us a check. We got a detailed estimate and the insurance company sent it out for review. The review came back with a 6000.00$ reduction in the estimate due to not enough detail on the labor side of the estimate. The insurance agent said that we could accept the money while we submitted an updated more detailed estimate to get the extra 6000.00$. Should we take the money while we wait for the contractor to update the estimate or should we get the updated estimate first?

I'm currently on Healthy Paws for my 4 year old mixed breed (40 lbs). I was living in Illinois and it was 55$, but moved to Minnesota and its now 75$. Ive considered switching for a cheaper price, and because I have seen a lot of reviews here that the prices for Healthy Paws have exploded. Originally I was considering Pets Best but also saw a lot of reviews that they have gone down hill. So here are my questions 1) I have seen Chewy offers lemonade or trupanion in my state, and both seem to be well regarded. Why would I get the insurance through Chewy vs direct? 2) My dog definitely has seasonal allergies which I've been getting the cyto shot for. This falls under a pre-existing condition right? Would it be worth it to stay on Healthy Paws just for this? 3) If I did switch, there can be waiting periods for 2-4 weeks, so should I keep HP for an extra month while waiting? 4) Are any of the add-ons recommended? Ive seen that preventative is probably not, but Lemonade mentions vet fees, dental, end of life, behavioral, physical therapy... Would other insurances already include this?

Was hoping to get some insight before I call my agent. My $1 Million umbrella policy with State Farm has really gone up this past few years from $300 to over $1500 per year. So I started looking at it and saw the following: Automobile Liability: $500,000 Recreational Motor Vehicle Liability: $500,000 Personal Residential Liablility: $100,000 Watercraft Liability: $100,000 I don't know what a Recreational Motor Vehicle is. I have 2 cars used for commuting around town. I don't have an RV or Jeep for off-roading. So what good is that doing me? I don't have a watercraft. I consider watercraft to be a money pit and I'll never own one. I'm in Florida near the water, so maybe it's assumed I have a watercraft? I don't know. I feel like I'm paying for a bunch of insurance I don't need. Any advice would be appreciated.

Hello, So last year I got bit by a stray dog and had to go get my rabies shot. I went to urgent care first where they told me to go to the ED (nonprofit) down the road to get the shots. I went to the ED, got the shots, and went on my merry way. I got a bill yesterday for the shots where my insurance (TriWest as a dependent) paid for $25,000 of the $28,000 and the hospital left the $3,000 balance to me. Is there any way I can find out if the hospital gives assistance? I’m a college student and I can’t afford such a high bill with every other bill I have so I just want to pick your brain on ways I could possibly reduce this. I am in Texas, and I currently have no income. Thank you!

Renewal time is coming up soon and realized I never changed our address since we recently moved back to NY after living in RI. Well it’s going from $36 for my 5 year old cat to $60 a month. Overall she’s a very healthy kitty, the only health issue is she has asthma so I get that and I know as they get older it’s more costly cause of healthcare for them and providing services is expensive. Embrace has been great overall experience for us because we had to put one of our other cats down last year and they compensated us almost entirely but, I just wasn’t expecting because of the zip code to justify $60 every month now. Does anyone have any suggestions on our insurances if I’d be saving money elsewhere?

Hey folks, I’m dealing with a frustrating situation involving my apartment’s property management and my insurance company, and I could really use some advice. There was a minor fire accident in my apartment, and the total bill is under $5,000. My renter’s insurance is willing to cover the cost, but they require the property management to sign a release form. The problem is, the property management’s legal team wants to make edits to the form, but my insurance company’s legal team won’t allow any modifications. So now I’m stuck in this deadlock where: • My insurance won’t pay without the signed release form. • The property management won’t sign it unless they can edit it. • My insurance won’t accept any edits. I feel like I’m caught in the middle with no way to move forward. Has anyone dealt with something similar? Any suggestions on how to break this stalemate? I just want to get this resolved without it dragging on forever. Would appreciate any insights!

I decided to delve into my homeowners policy to understand it in more detail because of a current potential claim. I was amazed that the 30-page document that I had from Allstate didn’t include may details beyond our coverage limits. There were 8 “amendments” listed, but only 2 were included. After chatting with a customer service rep, it appears that the information I need is in the “policy jacket”. Amazingly, I can’t get an electronic copy and have to wait 5-7 business days to get a copy in the mail. So much for paperless.

Hi all, So this is a grey area and I really do not know how to go about this so I would appreciate any input here. I'd rented a car for the weekend to drive around town and visit nearby places. Had some time left before returning so I had a colleague over, and we decided to go out but he wanted to take the wheel. So, we drove to a nearby restaurant and while parking into the restaurant he backed too heavily and banged into the wall. There is a sizeable damage to the car's rear with scratches all around, damage to the rear lights and the bumper too. I know I am screwed as it is the worst car rental company (Sixt), but also, I was not driving. I know my card, Amex has an insurance that covers this sort of stuff, but of course it requires me to be the authorized driver to be able to claim this. I do not know what to do here, because I do care about the colleague and don't want him to get screwed because of the charges too because I know it is gonna be hefty one (probably a couple thousand bucks to say the least), so any advice would be appreciated here. Do I trust the claim verification process to not involve checking through on the cameras, or, just be honest, I don't know. Help!

Location: Philly, Pa Any ideas??? Back in July our dog bit our neighbor. One of the kids let the dog out, and he bit them. We knew from the jump we were going to get sued. We got a lawyer when we received a letter from theirs. They wanted our homeowners insurance info. Welp..... come to find out, ours doesn't cover animal injuries or damage. So, after a month or 2, they asked if we wanted to just settle out of court. Of course we did. They came at us with a settlement. We weren't able to get the full amount but came back to them with a lump sum right away then asked to make 2 monthly payments to settle the rest. After weeks, they declined it and we received a letter from a new attorney asking for our homeowners insurance. Ummm... we already told them we didn't have coverage. So, our lawyer was going to get with them, we paid him another retainer (ughhhh), and he told us there was nothing to do as of now until he hears something. He said he would get back to us. It's been 2 months and still have not heard anything. What is going on???? Like we were going give them exactly what they wanted. They were just playing with us I guess and now we just wait??? Any ideas on why the wait game? I just want this over with. And just in case you all want to know, we are not made of money. We have 2 kids in college and 2 little kids. We live pay check to pay check and had to get a loan to pay the lawyer and that settlement they first asked for. It was a totally misfortunate accident, we were devastated for them, and are deeply sorry. We are good people with a good family. Thanks

My grandma has a dog and we helped her get insurance for him a while back, but her dementia has progressed quickly and pretty dramatically so my mom has taken over his care. (My grandma lives with my parents so she’s always had a big part in his care but now my mom has him full time). We have Lemonade. My mom told them what was going on and they said they could add my mom as a co-owner, but then she couldn’t make adjustments or any changes to his policy. Otherwise, she would have to cancel his account completely and start a new one under her name. She wanted to cancel it and start it under her name since sadly my grandma will not get better and she wants to add dentals to his plan, but he did have anal gland issues this year and lemonade said that if he has anal gland issues in the future they would no longer be covered under my moms plan because they would be considered a pre-existing condition now. Just looking for advice on what to do. It doesn’t seem fair, but I know insurance isn’t fair lol. Should we look at other insurance options? Or just add my mom as a co-owner? The anal gland issue was expensive so we don’t want to lose coverage on that if it comes back but also it sucks that my grandma has something we couldn’t predict nor control and now we’re in this predicament. Any advice would be helpful!!