Is it even legal for Healthy Paws pet insurance to increase premiums at almost 200% in CA? This is outrageously high!! Anyone experiencing the same? #healthypawspetinsurance

I made a claim via triple a and they stated I was at fault for the following: Tire debris was flowing through various freeway lanes. It was not safe for me to merge on to the lane to my left because it was flooded, and to my right there were other vehicles that would not have permitted me to merge in time to avoid the popped tire debris. I stayed in the lane I was an and the debris struck my vehicle, causing damage to the front bumper and fender. They stated I am at fault because I “struck the debris and could have avoided it.” Is there anything I can quote from their comprehensive coverage to not be labeled as at fault? Or am I at fault?

Location: Houston, Texas On July 15th 2024, I was involved in an accident with a driver. It was a two-way street and I was at the middle crossing section ready to yield to the street I need to go. I noticed a driver coming out from the plaza and looked like they are waiting to cross to the street where I was coming from. Before yielding, I made sure no incoming cars and safe to go; attempted the yield. As I turned, the car from the plaza crossed the street and a collision happened where my front hit their side. Police was called but no report was made as they said it was minor. The other driver insisted the police to give me a ticket but they didn’t and sent us home after we exchanged insurance. After that, I did all my obligations with my insurance company and they denied claims from the other driver as they said it was not my fault and I had the right to yield. Fast forward to now, I received a paper said I’m being sued for personal injury but in remember the police asked the driver questions to determine if the driver need medical attention and the driver said no. I contacted my old insurance right away to inform them about the sue paper. I don’t know what to do from here.

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!

Hi all, I have a ragdoll cat who just recently turned 1. We’ve had no health issues thus far. I start seeing this subreddit pop up and saw horror stories of HP. A couple questions: 1. I know a big part of if reimbursement is diligence. Our breeder did a health check on our kitten and gave us the paper work when she handed him over, but we still haven’t submitted it into HP (I know that’s on us). We started HP about 15 days after the exam. Will that paperwork be okay to submit now? 2. We are currently paying $30/month. Are we better off switching now instead of dealing with HP long term? Thanks!

I have a somewhat unusual situation. I live in FL and my roof is 18 years old. I have been with Geico for 4 years and I recently got my PMI deleted and when I called the mortgage company they said oh we have this partnership with this broker and could get you a discounted policy. Great, did that, saved about $900 for the year, new policy started mid Jan. I told the broker about the roof and didn’t want to switch until they confirmed it was OK and he said yes. Well I just got a cancellation notice for 4/1 due to some broken shingles so will only be with them for 2.5 months unless I submit repairs. I actually already had a few roofers come out earlier in the year. I contacted them and everyone said the repair vs replacement timeline would be about the same. So, I signed a contract for a replacement and permits were submitted a few days ago. They are going to try to get it done before 4/1 but can’t guarantee it. I submitted my contract to the broker and asked for a 30-60 day extension for the cancellation. Seems to me that it would be better to keep the policy on a brand new roof and not refund me the yearly premium around 4/1 if they can wait a month or 2 but whatever. Here is my question. Should I start contacting other companies now? Do I have to disclose the cancellation notice? Will they take notice to the fact that I was with one company for years and this new company for ~2 months. I don’t have any insurance claims on anything in the past 2 decades and that is a database they can search, correct?

I am currently a policy holder with Geico and have have owned my car (beater) and insured with Geico since last 7-8years. Today I got a phone call from Geico for a claim against me and it got added to my account. (I have no current relation to this vehicle and the date and time that they mentioned I was in office) Background (Spring/Summer 2023): * I was briefly on my family member's insurance with Geico \~2years ago * Family member sold/transferred the car to the new owner \~2years ago * Family member did car's transfer paper work including release of liability * The new owner did confirm that they went to DMV and transferred the car under their name within the 10 business day period * Family member canceled the Geico policy which I was part of as well (secondary driver) since I would occasionally drive this car (there is an email confirmation from Geico for cancellation of the policy, also \~2 years ago) * To reconfirm family member spoke to DMV agent through chat and they confirmed the car's title and registration was not on their name anymore (however due to privacy they didnt mention the new owners name) - Their is saved transcript from \~2years ago But \~2years later a claim gets added on my Geico policy for this vehicle. At this point this vehicle ownership is not under me or my family. The vehicle was sold/transfer to new owner back in 2023. Assuming the new owner that took the ownership of the car got into an accident but I have nothing to do with this. Spoke to Geico and did not get clear instructions at first and then the last customer service agent tells me to provide proof that there is no relation to this vehicle. I and family member who owned this car previously not sure how to handle this situation. Anybody experienced anything like this before? Appreciate any comments

A couple weeks back I was moving into my new apartment complex, and had the door on my vehicle cracked open while I went inside to move what I was carrying before coming back out. While inside my apartment building, I received a call from the office telling me someone had hit my car. I went down to the parking lot and a man was waiting next to his truck for me. He claimed the wind had blown my door open while he was backing into the space, and that he had looked at his camera and it was closed and then he started backing up and heard it crack. The door is off its hinge, and the corner is folded over... it still shuts but it will most likely need a new door. He profusely apologized and gave me all his insurance info and contact information. His agent calls back after I file the claim (Erie), and tells me that they will not be covering the claim and that my insurance would be responsible because the wind blew it open and "there's no way he could have looked at all his mirrors 100% of the time, and its you're fault for leaving the door cracked, allowing it to blow open into his path". Since sentry mode was off ( I have a model 3), and my apartment's surveillance camera was down at the time, there is no way to show if the door was already open or had blown open. My insurance deductible is $1,000 and I don't have that at all right now. Also if I choose to do that, I'll spike my insurance for the next 2 yrs of my lease. Do I go to a lawyer?? I don't even know if I can afford one. I have no clue what to do, and I feel like my only option is to wait 2 years and hopefully fix it out of pocket before my lease ends.... but then I would be out 2/3k for a new door. Someone help me out here....what do I do?

Hi everyone- a lady hit me with her car and 2 others. There is a limits issue and the insurance adjuster said i MUST go through my insurance to fix the car. I don't want too - I would rather just get what I can and fix the rest out of pocket. The insurance adjuster said there's nothing I can do until hear from your insurance company. Is this true? They will 1. Not give me any money at all. 2. I HAVE to go through my insurance. My car is under my parents insurance and I don't want to touch their stuff. I don't care if I'm not at fault. This was only temporary until I got my own insurance.

Hello all! I was a passenger in a non at fault accident two years ago. My lawyer filed with the person that hit us, and then used my underinsured at the time too (with geico). We just switched insruance and our 6 month premium is 300 dollars more than if I didn't have that claim 2 years ago. Is it normal to have my car insurnace go up because of a non-at fault claim where I was a passenger? Thank you!