Need a new home insurance company! WILL NEVER USE STATE FARM AGAIN! They have been the absolute WORST! Looking for some direction here… What are some of the Best companies I should be looking to switch to?

I was rear-ended in late January by a driver insured by Maryland Auto Insurance. I filed a claim with my insurance company (Progressive) who deemed that the other party was liable for damages. I reached out to both the other insured and MD Auto Insurance, and was given the run around for over a month— with MD Auto Insurance saying that their insured had not been returning their calls and the other party stating that MD Auto Insurance was not answering their calls. Progressive got involved and tried to call MD Auto Insurance 2x after I basically begged them to, and they weren’t able to reach them and gave up. I consulted some lawyers online to see if I had a case, and they all recommended using my insurance (i.e. paying my $750 deductible for the damages, Progressive paying the rest and having Progressive attempt to get my money back through subrogation). I spoke with Progressive who said that not all subrogation attempts are successful, and that they most often aren’t… meaning that my desuctible would just be lost completely. I ended up going that route because the damage on my car was such an eye sore. I paid $750 and Progrssive ended up paying $761 (total cost of repair was ~$1,500. The repairs were completely last week. Today, I received an ~$1,800 check from MD Auto Insurance for the damages to my car. They did not call me at all to accept liability or tell me that they were mailing a check. So now, I have an $1,800 check to cover the damages though the car has already been fixed and I have paid my deductible. Should I tell Progressive about this check or should I just cash it without telling them? To be honest, Progressive really pissed me off when they wouldn’t assist me in talking to MD Auto… they called twice and gave up so easily while I called multiple times a day for weeks. I’m afraid however that in the subrogation process, MD Auto Insurance will tell Progressive and then MD Auto will adjust the amount (they estimated $1,800 in damages, but the repair was actually $1,500), and I will lost that extra $300. Other possibility is that the subrogation process will fail because MD Auto rarely answers the phone and has such a long and terrible phone system, and Progressive would close the case and I would be allowed to keep the money in total. What should I do? TLDR: I was rear ended, other party gave me the run around to avoid liability, my insurance paid (after I paid a $750 deductible), and I just received a check from the other parties insurance. Do I let my insurance know?

I am due to give birth end of May. The hospital that my obgyn is partnered/contracted with is where I went on 03/01 because I had a pregnancy scare. I went straight to Labor & Delivery and was there for a couple of hours. The on-call obgyn is the one that saw me. I have NOT received a bill yet, only an EOB from my primary insurance, stating that the claim was denied. In the EOB- it was stating that the hospital is an out of network facility. However, I’ve spoken to my insurance directly few different times who said the hospital that I went to indeed is an IN-NETWORK facility. Now the last agent I’ve spoken to today told me “address where the service was rendered is confirmed to be outside the network for the facility. Here is what adoress of the facility showing on the claim” and it’s a complete different address than the hospital I went to, like in a whole different state. The first agent that I spoke a couple weeks ago stated the claim type says “outpatient hospital non contracting”. The last time I tried contacting the hospital themselves, the agent was saying I need a bill/statement account number, which I didn’t and still don’t have because I was never sent a bill as of today and he said to wait until I get a bill. It’s been over a month and I still haven’t received a bill from the hospital from when I went to 03/01. I was going to explain my situation and how I still haven’t received a bill but the billing office is now closed. I do have secondary insurance but they didn’t even receive a claim from hospital, which I am assuming they didn’t even bill my secondary. I’m just so confused and overwhelmed! Does this sound like the hospital submitted the claim incorrectly?

Before I contact them does anyone know why I could get a 42% increase in cost at renewal? I've been with them for over a decade! I had one claim this year because lost control of car in snow storm and hit a pole. My rate went up by $11 a month(which I understood) but a crazy rate increase at renewal is new to me! Is this normal??

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 am 24, and I got my license at 19. In the past 3 years I have had 3 accidents, 2 of which the car was totaled/not worth repairing. We have Geico, and to renew the plan with me on it they’re charging is about 8k per 6 months, or about 1300 a month. When my dad tried to shop around, the only other company willing to take us on with myself as a driver was Progressive, and when all the details were filled out they wanted to charge us even more. Since I am a member of the household with a license, I have to be on any car insurance plan he gets. We have two other cars, so selling my car wouldn’t impact my dad. I was thinking that after selling my car, I could use the money to pay for ride-sharing. Also: if I turn in my license now and try to renew it next year, will the premiums go down or stay the same?

I don’t know if this is the right flair, so I apologize if it isn’t. I’m 26F living in Florida. This is my first time trying to navigate health insurance, so my parents helped me find a plan that would let me keep my doctors and cover my prescriptions (major ones being my neurologist and migraine prescriptions, which are only brand-name). My pharmacy called and said they needed one my prescriptions authorized, so I called my neurologist’s office to have them authorize it. My insurance just took effect this month, so I was also going to update it with the office. We did a search on the Aetna CVS Health portal and my doctor was listed as being in-network, but I was informed that they aren’t. They take Aetna, just not my policy. Because they’re not in-network, they can process the authorization. I guess the online portal isn’t accurate… or maybe something is lost in translation? Is there a definitive way to find providers that will take my insurance? Does anyone else even have any experience with the policy in general?

We recently had to file our first homeowners insurance claim in the 6 years we’ve owned our house. We had a huge storm with 75+ mph winds and torrential rains, tornadoes etc. We randomly had the wood paneling in our living room (interior wall, other side is a bedroom) sustain water damage. It was wet and mushy and all warped. We want it fixed because we don’t want mold growing etc. roof is 4 years old so we aren’t sure how water got in. We also need a professional to figure out how this happened. Anyway, State Farm says it’s covered under our policy. We have a $3,000 deductible. They said they deduct the deductible from the money they send us for the repairs. We don’t pay it up front. (We are waiting for a callback from the contractor they helped us find). To me that sounds like if it’s going to cost $6,000 to fix they take off $3k and we only get $3k. My husband thinks we get the full amount for the repairs which makes no sense to me. State farm has to pay themselves the deductible. We had a total loss on a car last year and they took the deductible out of that and we got less money back for our payment. So that’s why I think we aren’t going to get the full amount (which is not going to be helpful we don’t have a ton of money right now). So anyone know who’s right?

My ex and I have been separated since mid-2017, but his Meritrust credit card is still showing up on my credit report. I've worked hard these past few years to knock out the debt I created for myself as a dumb 20-something year old, but I cannot get rid of this debt. I myself never even used this card when we were together. I don't even know why he asked me to cosign in the first place, but of course I said yes because he was my husband at the time. He won't speak to me about it, and I've tried reaching out to his family, but nothing has changed. I've tried contacting Meritrust, but the only option they give me is to settle the debt myself and close the account. If anyone has any advice on how to proceed with this, I'd really appreciate it.

Greetings everyone. I do but know where to go for help in this. I tried the court but that was useless. There is only one lawyer near us that takes our MetLife legal card. So my dad died augusts 2022. The estate is worth close to a million and there was no will. I tried to qualify as the administrator, but since I had to be bonded, my credit held me back, so my brother was able to qualify. Since then, he has done nothing. Two plots of land were sold for 300,000. It was sold for less than it was worth, but it was too family, and that was important to my dad. No personal items have been sold. There homes are in the country and the homes are full of mice that I’m sure have eaten everything! The cars have been sitting, uncovered the four wheelers the Farm equipment, all of it sitting and rusting. There is a double wide that’s about 15 years old and sits on a gorgeous lot and a three bedroom brick ranch that is still waiting to be sold and all of the personal effects but I cannot get my brother to do anything. He will not return a phone call or a text message. When we try to contact the court, they were of no help we don’t know what to do who returned to or what our rights are and trying to read online. It’s like it’s written in another language. I know this is a long Post, and if anybody has time to give us an idea of how to move forward from here what we can do it would be so appreciated. We are in Virginia if that makes a difference at all thank you in advance so so much.