I just had a Total Loss on my home which was insured by Amica Mutual. Almost all reputable insurance carriers pay out the face value of the policy. Amica decided to use an obscure New York loophole to "AVERAGE" out what THEY feel I should get instead of what I paid for. They offered me less than 50% of THEIR ADJUSTOR'S replacement cost with the balance paid out after "THEIR REVIEW AND APPROVAL".

Current policy holder for two animals since 2018. Aside from the constant increase in premiums… now that I’ve begun filing claims they are questioning the breed of the dog and threatening to double my premiums if I don’t validate a large mix breed vs a mix pit bull. Disgusted.

Hey, I need some advice and help here, someone with a State Farm insurance hit my vehicle and we’ve been going through the process of the claim. She falsely accused me of hitting her and my insurance investigated and found me to not be liable. State Farm said that they’ll do the investigation and it’s been over two months and I still have not received word from them regarding their investigation outcome or about fixing my car. I’ve been calling the adjuster to get an update but they have been dodging my calls. The woman hit my car and it needs to be fixed, does anyone know what I can do at this point to get an answer from State Farm or just to get their attention so that my car can get fixed and this case can be closed. Also, do you think because I was not found liable by my insurance that it will affect my insurance, although I did not hit anyone or haven’t gotten into any accidents I’m curious to know if this claim will affect my auto insurance policy in anyway .

My upcoming bill is $797.00 through GEICO. Last year it was $701.00. $2M policy. Am I getting ripped off?

Hi all, Just got my car back from a shop. Took over a month after multiple supplements and back and forth between geico and the shop. Geico ended up being $1000 short still from what the shop wanted and I ended up paying out of pocket to get my car back. Geico said they would not reimburse me (when I brought it up), however after some research and speaking with some on reddit and the shop, they state geico will reimburse me bc of my policy with them. Can anyone provide any insight or guidance in how to proceed if this is true? Thank you

hey all, I was with nationwide insurance for my 2 young cats for the past 2 years. Never needed to use them but the $50 a month was worth it for me. Yesterday I found out they discontinued the ‘whole pet plan’ policy they were signed up for in my state and did not notify me. They cancelled it end of December with no email/call/correspondence. They created a new policy similar to their original and discontinued the one my cats were on. I went in to double check the illness coverage for their policy because I was about to bring in my sick cat, and that’s how I found out they cancelled his coverage. I spoke to 3 different people and their supervisors for hours and they refused to reinstate their coverage on a different plan until the 2 week waiting period was over, and didn’t take any accountability for their failure to contact me before/during/after they cancelled his coverage. My cat is now entering early heart failure and the testing to diagnose what type will cost over $5,000 to get him into a specialist. He’s only a 5 year old cat with no signs of a heart murmur/heart and liver issues until yesterday. As of now, he’s on various medications to try to stabilize him until he’s healthy enough for an echo exam. I chose Nationwide because they appear to be a reputable insurance company in other regards, but I will never be enrolled with them again in any capacity. I’ve never really written a review on any experience that I’ve had because I feel like everyone has different experiences. PLEASE do not use this company for your pet insurance. I don’t want anyone else to have to go through what my cat is facing and the likelihood he will have to be put to sleep in the coming days. It’s devastating and the fact that there may have been a different outcome if he was able to get all the testing in the world without financial issues is something I’m going to be thinking about forever, which is the reason pet insurance is so vital for any animals we own. There are so many other insurance companies that will do better and care for your pets and nationwide isn’t one of them ♥️

I noticed my bill in an email was way more than normal and checked my payment history only to find out it’s the second time they billed me for that amount since I missed the first time (I was on vacation). I called and apparently they added some random guy. I finally figured out it was a guy I had in my car when I volunteered at World central kitchen delivering free food to hurricane victims. This guy rode in my car once for half the day. They said they emailed me and sent regular mail telling me about the change. I never got them because the vacation. They will not tell me how he got added to my policy and at one point hung up on me and I did not raise my voice and was polite but firm in asking what happened. I still have no answer. And instead of refunding me the money they just paid my bill for the year with the fund they took. I pay monthly normally. I did not share phone info or have them track my driving with progressive so I cannot understand how they added this dude to my insurance. I remember this guy rode a bike everywhere and since my insurance went up so much I’m guessing he has a bad history. How did they add this guy to my policy? I’m planning to change insurance providers any suggestions? Thanks for any info

A water line burst and flooded my kitchen. I was out of town when it happened (I think) because when I arrived home the floor seeped water when I walked on it. I filed a claim with Liberty Mutual on Monday. It is now Saturday, and I still don’t have an adjuster assigned to my claim. Is that normal? I have a water mitigation service helping. They seem to be trustworthy and helpful. Is there anything else I can do to increase my odds of having this go smoothly? Thanks for any advice you can share.

Hi everyone. I have a 6 year old terrier mix that's been insured with Fetch since I adopted him at 5 months old. He's had 4 claims all under $200 in all these years. 2 for ear issues, 1 for diarrhea and 1 for a scrape on his leg. No claims in the Iast two years. I started paying $35 / month and now they want to increase my premium from $71 to $117 which is absolutely crazy! I currently have no annual limit with a 90% coverage and $250 deductible. I have no problem bringing down the annual limit to 20-25k, 80% coverage and a higher deductible to decrease my rate but my concern is if he's only 6 right now and Fetch is jacking up prices like this, even if I reduce coverage I'm afraid I'll end up with a crazy premium in just a couple of years! Also, I had another dog insured by them and we spent 25k with her last year. She unfortunately passed away but now I wonder if that is playing a role with how much they are increasing my terrier mix rate since they were both under the same account (I read someone here in Reddit had something like this happening with Fetch). I'd love to hear experiences of people switching insurance specially in regards to coverage of pre existing conditions and also, if anyone has recommendations of other insurance companies I'd love to hear your experience too (especially in regards to rate increases and claims). Thank you!

Long story short, I recently got a grant for my son who has autism spectrum disorder and was able to find a provider who had social skills therapy for him. The grant will reimburse me costs 100% however they need a copy of the EOB. I found a provider who was out of network but was the only one offering this therapy in the time period I needed it. She was upfront saying that we would have to file our own claim which I have no problem with. She provided the superbill and all of the codes. Well today I logged into UHC to try to submit a mental health claim and the form is not available, then I called them and they told me that I cannot submit my own claim. I told them that my provider does not file claims but they were insistent on saying that the doctor would have to file them. Is this a common practice? I am just frustrated.