FIGO Costco pet insurance. I’ve been paying $133 a month for a healthy dog. They literally only pay $50 a year toward vaccinations. I went ahead and cancelled. I just can’t justify such poor assistance for these expensive vaccinations. His vaccinations and annual checkup is $300. I am considering setting up a savings account dedicated for my dog. I should have read the fine print.

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

It's a 2022 Genesis g70 RWD fully loaded prestige package and they offered me 31500. Kelly Blue book gives 31500-36000. Is it worth hiring an appraiser to raise the price? The adjuster doesn't seem to want to budge.

So recently someone backed into me at the parking lot and damaged the front of my car. We exchanged information etc and the person initially was thinking to settle it without involving insurance. I was fine with this and reached out to a few places, but most say it is hard to determine the total damage without doing a full diagnostics because there are many sensors/cameras/lights in that area. Only 1 place gave me a preliminary estimate after looking at the damage. We then decided to get insurance involved. His insurance assumed full liability and send out a person to estimate the damage visually. The estimate is quite low, lower than the place who gave me an estimate directly. They said I would need to take my car to a shop that is willing to work with their rate. If additional damage is determined, then the shop would work with the insurance company for any additional costs. During this whole process, I feel like the other person's insurance treats me like I am trying to scam them. I asked what if the shop dong want to fix the car because the insurance estimate is too low, and they said that I would have to pay for the different if the shop is not willing to work with their rate. So now I am wondering if it makes sense if I reach out to my insurance company and report this incident, would they deal with the other person's insurance instead of me dealing with it directly? Thank you.

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?

For context, the state is Maryland I live in a rental house and there is a prior resident named Stacy D. (Hiding her last name for privacy). I don’t know this person, other than occasionally getting some of her mail in our mailbox, which leads me to assume she is a prior resident at this unit. This morning, i had new policy documents added to my Progressive policy. They added Stacy D. to my policy as an insured driver, and my rate increased from $140 a month to $580 a month. I also lost some of my discounts, like safe driving discount, because Stacy D. has apparently been in two at fault accidents in the past year. Now I called progressive to remove this person from my policy, and their underwriting says that she can’t be removed unless i have proof of address showing that she doesn’t live here. A few questions: 1. How do i prove that someone (a stranger) doesn’t live here? I don’t have any contact info for her or any way to get her current address. I don’t know this person or have any knowledge about her other than occasionally getting junk mail that is addressed for her. 2. Is there a possibility of me getting any discounts (such as safe driving discount) added back to my account, if I am able to remove this person? 3. Because i live in a rental unit, are there any other steps I can take to prevent prior residents from being added to my policy in the future?

This happened a bit over a year ago. I was driving my girlfriend and her coworker to work and pulled over near the curb to let them out, at the same time another driver starts backing up so I lay on the horn but he hits my car my girlfriend and her coworker both were still in the car when it happened and saw everything. We get out and they are not communicating at all and possibly didn't speak english. Police were called and they didn't show up for over an hour and he eventually started trying to drive off. I follow through for half a block and he stops and backs up into me again. His "son-in-law" came after I guess they called him and he started trying to gaslight me into believing I hit him and theres no proof and that police aren't going to come. LOL. Police eventually pulled up and the other driver started to feign a heart attack or something. They even called the ambulance and the EMT didn't look pleased... I got the police report, report states: **"V1 STATES HE WAS PARKED WHEN V2 WAS REVERSING INTO A PARKING SPOT COLLIDED CAUSING DAMAGE TO FRONT BUMPER. V2 STATES HE WAS TRYING TO TAKE A PARK IN SPOT WHEN HE COLLIDED INTO V1. V2 CLAIMS THAT V1 WAS NOT THERE ARE THE TIME HE WAS REVERSING. V2 DRIVER WAS TRANSPORTED TO BOOTH MEMORIAL FOR CHEST PAINS. PO DIDN'T WITNESS"**. I got the insurance info and drivers info from the police report, called their insurance to make a claim. They instructed me to go to this auto shop and get a quote for damages, went there, the shop said they will call me about the quote. I never heard from the body shop again even after calling them they said they'll send it and never did, the insurance company never again picked up my calls after weeks of calling. I have liability insurance, with Geico and they said to file the claim with their insurance. This is in NYC, the other driver had NY plates but insured by a NJ company "Plymouth Rock Auto Insurance" Due to my girlfriend and I living together, Geico requested me to add her as a secondary driver, I told them she does not even have a license to drive and of course never drive my car. They sent numerous letters and emails about this. Each time I replied online and called in to explain that to them, they acknowledged and I thought that was over. They ended up dropping me, and I didn't even realize for nearly a month and then I was fined by NY for driving without insurance. Paid the penalty and started looking for other insurance. Nobody was willing to cover me due to a gap in coverage, possibly the accident being reported, etc. I was only offered to be insured by GEICO AGAIN LOL. They doubled my rate for liability insurance nearly $400 a month and I've been paying that since. Need advice on how to get what I'm owed for the damages they caused to my car.

I adopted bonded pair of kittens and got them on pet insurance with trupanion at 8 weeks. They just turned two and trupanion has increased my premiums by 70 % in those two years. I understand they don’t raise the premiums based on pets age, but at this rate I won’t be able to afford to insure them until they get old. Looking at switching to lemonade - my one kitty has two minor claims and my boy has none. I realize her two claims will be pre-existing but they aren’t chronic issues. To the cat parents with lemonade- do you like it? Are you happy? I know I risk their premiums rising as well but at least I can afford more coverage with a smaller deductible to start. Would love your thoughts I want the best for my babies!! Thank you

yesterday morning i got into a fender bender. i was waiting at a red light on a 3 lane road. left lane is a left turn/u-turn lane. middle lane (the one i’m in) is a straight only lane. right lane is a right turn only lane. the light turns green (i’m first in line at this light), and i slowly start accelerating (i have become a very defensive driver because the city i live is filled with actual idiot drivers, so i never take off at an intersection for fear of someone running the red and t-boning me) to cross the intersection. all of a sudden, a car is in front of me and hits the front right of my car with the front left/side of their car. she was in the right lane and made a u turn from there (or was trying to). i feel like it’s pretty straight forward that moving to the left in capacity from a right turn only lane puts her at fault, but i don’t know how this all works. i recently turned 24 so my insurance is still a bit high, and im waiting until 25 to get comprehensive collision when it’s more affordable for me. so, i’ve had to file through their claims, bristol west. i didn’t call the police for this accident; i was rear ended really horribly two years ago in this same town and it took 2+ hours for a cop to arrive. i have a large event happening at work this week and i legitimately didn’t have the time to spare to wait for an officer to show up. neither of us were hurt, and the damage isn’t too horrible (from what i can tell) so i couldn’t risk missing my morning at work. i know this isn’t great as a police report would help with the story, but i can’t change the past. does anyone have any experience with this? the girl who hit me was very apologetic to my face, but im worried that her story/her insurance (known for high-risk drivers) will try to swindle me and i don’t have my own collision insurance. does this seem straight forward enough or am i in for a headache? thank you for your help, advice, and guidance. edit: would it be worth it to go on my cities FB page and ask if there were any witnesses? it’s a pretty common intersection and my city is relatively small. also, should i contact the police department to see if there is intersection footage? i just want to be as prepared as possible since i don’t have any dashcam footage. thanks

Earlier this year, I was involved in an accident where I was side swiped by a gardener truck. I was on a residential street and slowed down to look for parking. The gardener truck was behind me but decided to pass me, and when I drove forward a little to park further up, the truck merged back into my lane and struck my car with the equipment hanging off its trunk. They sustained no damages while my drivers side window shattered, mirror broke off, and fender/door sustained damages. Around 2 months ago, we received a letter from their insurance saying they assessed 55% negligence on their insured driver and 45% on me. They were also willing to pay for 55% of my damages. My insurance decided to take them to arbitration. During this time I received 2 letters from my representative. The first said that while the other insurance company has accepted full responsibility for the accident, they have not been able to reach a settlement for damages paid. I then received a second letter a month later saying that the arbitrator has ruled in favor of the other party. This seemed like a complete 180. I was shocked to learn of their final decision and emailed my representative asking if any of my $1,000 deductible would be recovered. She said no and sent me a copy of the arbitration decision which stated the following duties breached on my end: vehicle failed to keep appropriate lookout and they failed to maintain safe parking maneuvering. Is there anything I can do at this point? I know the arbitration decision is binding and final but I am honestly just stunned, especially because it felt like the truck failed to safely pass my car. I spoke with my insurance and they said my premium will most likely double. Is this fair?