I'm insured with Geico in Texas, with a $1,000 deductible for both collision and comprehensive coverage, and I’m also enrolled in their rental reimbursement program. My car needed repairs, so I took it to the body shop and used Geico’s rental service to get a car from Enterprise. I paid about $50 in taxes and fees with my United MileagePlus Explorer card — Geico covered the rest of the rental. While I was driving the rental, the windshield cracked. Enterprise later sent me a bill for $415. I contacted Geico, but they said they won’t cover it because the damage is below my $1,000 deductible. I also reached out to Chase (the MileagePlus Explorer card issuer), but they said the rental insurance benefit doesn’t apply because I didn’t pay for the entire rental with the card — Geico paid most of it — so they won’t cover it either. So now I’m stuck with the $415 bill. Is there anything I can do here? Has anyone dealt with a similar situation?

TL;DR: Be nice and…get yo money?? I made a post a few days ago about how I was seeking compensation for the stress caused my the mishandling and lying committed by the at fault drivers insurance. This was my first car accident, so I’ve never dealt with the claims side of insurance. I explained how it’s my understanding they were in violation of the Unfair Claims Settlement Practices Act and how when I finally got ahold of the other insurances adjuster, he made multiple false statements (which his supervisor confirmed were untrue statements). For many reasons told and untold, this was stressful. I made a post explaining how I was seeking compensation for the stress caused by the mishandling of this claim and asked what the chances were that I’d get compensation. I came here seeking genuine answers and instead I received belittling comments, essentially saying “you will receive nothing you dumb fuck.” Well…I just received an email today from the insurance agreeing to pay exactly the amount I asked for. While I get things take time, not hearing a single word from the other insurance for almost two months when their own policy says they reply within one business day, and making multiple unnecessary false statements is not right. Making belittling comments to someone is also not right. My point is, be nicer. Don’t join a subreddit where people are seeking genuine answers if you can’t give them, or simply don’t comment. AND, if an insurance company got you feeling stressed, take a chance. It might literally pay off.

Hi. I have to decide whether to accept or reject a lump sum offer from long-term disability insurance. I ran some numbers and after taxes, I think the lump sum offered is equivalent to almost 9 years of monthly benefits. In this math, I reduced the monthly benefit by 35% because I think that if I turn down the lump sum, I will have to get a lawyer to help me through whatever else the insurance company will try to do to reduce or deny benefits going forward. I had to appeal a denial a few years ago and back then, disability lawyers were taking about 33-40% of benefits. (I had decided to pay a flat fee for help with the appeal only.) I became disabled at age 30 so I have quite a long ways to go and don’t know if I have the mental, emotional, and financial resources to get through another denial. I still have PTSD from that period, which was also during COVID. Even though I don’t see how I could suddenly start making money, I feel like at least the lump sum is a sure thing. If I reject it, what kinds of things will the insurance company do for the rest of my benefit period in order to balance their books? I am especially worried about extra uncertainty with SSDI. If my SSDI payments get cut, my long-term disability insurance payments are supposed to go back to the pre-SSDI amount, which is more than double what they’ve been paying since offsetting for SSDI. If this happens to a lot of people at once, what kinds of things will the insurance company do? Right now, rejecting the lump sum feels like I would be subjecting myself to a scary black box of strategies to reduce or deny my benefits. I appreciate any information that could help me make a more informed decision. Thank you!!

I adopted my kitten in 2018, which is when I also signed up for Healthy Paws. The monthly premiums started at $24.57 and went up reasonably every year so it's now $43.17, but I just got a notice that premiums are doubling to $86.60 in 2 months. I see there are many reports of insane increases, esp. in CA where I am, so I don't know if that's why or if it's bc she hit 7 years, but I thought I'd check - is $86 reasonable for her age? The policy has been 90% w/$250 deductible. She's been pretty healthy w/only annual check-ups, so I was thinking I could change to 80% w/$500 to make it more reasonable.

Long story short, we have never had issues with people buying and selling in our 6 unit condo building in Chicago until today. We accepted an offer and the lender reached out stating we needed **replacement cost coverage** in order to move forward, this is due to Fannie and Freddie guidelines as of June 2024. We have never changed our master policy provider and our bylaws specifically state that we must have **replacement cost coverage.** I have looked over our policy and it does not state either Cash value or replacement, just the limit on coverage with a \*attached for the inflation rider. Agent we reached out to has been non-responsive. Anyone else run into this?

Hey all! Boot me if this isn't the right sub for this, but I wanted to see it anyone else had experience with a situation similar to mine with their AAA pet insurance! Our 18mo Chocolate Lab at a squeaker and needed emergency exploratory surgery after X-rays confirmed a blockage in his small intestine. Some of his intestine was pretty banged up and he ended up having 2ft of bowel removed and resectioned. He then required 36hrs of clinical care after the procedure to ensure he headed in the right direction. This all happened pretty quickly and although I had read my policy completely beforehand, I forgot to seek pre-approval for his care. Their language is a little loosey-goosey about emergency situations, but they do specifically say it is 'required' for surgery, hospitalizations, and claims over $2,500 - this event ticks all three of those boxes. Wanted to see if anyone has had their claim successfully approved in a situation similar to mine, having not sought pre-approval and it being an emergency surgery and hospitalization situation. ANY feedback is helpful! Thank you & pic of the pup who lost to the squeaker and will be toy free for life for tax!

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

Hi guys. I have Pets Plus Us for my cats. A little while ago my cats were exhibiting signs of asthma, the vet said that if it’s only infrequently then he doesn’t see the need for medication but that if I really wanted to he could give us a trial amount of prednisone to see how it works. I agreed, and when I submitted the documents the insurance wouldn’t cover it because the doctor wrote in the notes that I insisted on trying the meds not the doctor. Anyways, rewind to now. My cat has a serious case of diarrhea. The vet suggested a PCR. However since he’s an indoor cat I highly doubt any parasite or virus will be the issue. My friend who works at a different vet clinic recommended I get my vet to do an ultrasound. However, I’m very nervous to suggest this myself instead of my vet suggesting it because I’m worried my insurance will deny the claim if the vet writes in the notes that “owner requested an ultrasound be done” instead of the vet being the one to suggest it. Is this a real concern? If I want insurance to cover any treatment or diagnostics, should I avoid making and suggestions or requests to the vet so that any tests that are done are only at the suggestion of the vet? Money is a big concern right now since I lost my job so I don’t want to risk getting my claim denied. Thank you in advance!

I've known for a while that ManyPets was merging with Odie but I (wrongly) assumed that the policies would be largely the same. Odie emailed me yesterday with the new policy and billing summary and my jaw hit the floor. My plan on ManyPets was an annual deductible of $750 and unlimited coverage with 10% co-insurance. The annual premium was $377.04. According to the renewal notice with Odie, there is an annual max payout limit of $20k, deductible of $250 and 10% co-insurance (so an inferior plan) and the annual premium is **$1799.42?!** There is also a billing statement for a Wellness Plan, which I never had on ManyPets. I emailed customer support immediately on Friday and they haven't gotten back. My credit card will be billed on Monday. I'm going to call them first thing Monday morning but I'm pretty concerned. Others who were on ManyPets - are you sticking with Odie? People who have had Odie and used them for claims, what has been your experience? I'm certainly not willing to pay $1800. I have a 7 year old pug and he's healthy/never had any pre-existing issues. But I'm concerned that due to his age, I'll have a hard time getting a decent premium on a new plan.

I’m bringing home a puppy in two weeks. This breed (golden retriever) is prone to cancer and foreign body ingestion. We also live in an area with a lot of Lyme disease and I heard the vaccine doesn’t always work, so I want insurance that covers things the dog is vaccinated against (because we can do our best but Lyme could still get us). Anyone have any recommendations? I’m overwhelmed with all the options. I don’t care about paying the vet directly. We don’t mind a higher deductible- we really just truly want catastrophic coverage like cancer or surgery. Dental problems (not cleaning but actual problems) would be good too but it’s not 100 percent necessary. No matter what option I start to go with when I look it up there seems to be problems. I’m leaning to Embrace because they would cover Lyme. Trupanion seems like the rates go too high over time. Healthy Paws won’t do Lyme. Lemonade seems like people don’t trust it.