My policy just renewed this month, my overall policy went from $2300 to over $2800. I had an accident back in 2023, very minor rear end tap. (I was at fault) the other party didn’t bring litigation against me until 2 months before the statute of limitations went up this year in april. My insurance company did pay out the settlement, and I was told I did not have a surcharge from this incident, and that if my insurance was to go up from this accident it would have happened in 2023 when the accident occurred. My insurance company (USAA) informed me of a state-wide increase being put into effect and that this increase on this renewal was only a portion of the overall increase. I’m just very confused, and unsure how it would increase that much if it wasn’t from this prior accident, and my driving record outside of it is totally clean. Been with this ins company for 6 years now, and I don’t want to switch as i’ve enjoyed it thus far but feel like I have to now that i’m being priced out of it. anyone in massachusetts have any insights?

What happens if I don’t pay my cancellation fee from my last auto insurance company? I cancelled it before the end of the policy for the same coverage at a different company for more than 200 dollars less a month. I didn’t realize I would get a cancellation fee it’s not much but out of principal I don’t see why I have to pay this since I paid the whole month in full and cancelled before the end of the month if anything they should refund me for the days I didn’t use. they’ve been calling me and emailing and snail mailing me everyday for payment. What happens if I don’t pay the cancellation fee? All I’ve seen online is they can cancel your coverage but my coverage is with a total different company now so they can’t cancel that. Would it go on my credit report somehow?

Location: Silicon Valley Type of Insurance: General Business Insurance Hello Everyone! I’m looking for recommendations for general business insurance that would cover a mobile museum exhibit featuring vintage technology (computers, gaming consoles, tube TVs, etc.). Since the exhibit involves transporting and setting up valuable equipment at different locations, I want to make sure I have the right coverage for potential risks like damage, theft, and liability. We've been turned down by 10 insurance companies (Travelers, Tivly, Liberty Mutual, State Farm, The Hartford, Collectibles, Hiscox, etc.) An agent told me that using the words “mobile, vintage technology, hands-on” is a red flag for insurance companies because we're too high-risk to insure. Any recommendations on wording to use in lieu of the ones already mentioned above? Any insurance companies or brokers you could recommend? Any advice on coverage specifics or costs would also be super helpful! Thank you!

Today I bit the bullet and got Embrace. My mom has spot for her animals but only accident and illness. I chose embrace because it was a little better financially and would cover wellness exams. I wanted to see everyone’s opinions on different insurances. I get the impression that many don’t like embrace which is a little worrying to be honest, but I’m going to wait and see how I like them after I get my dogs anual done. She’s older and I just wanted her to be covered by something before I bring her in. Seeing that most if not all of the insurances will not cover anything preexisting. I did ask about a preexisting condition in my dog (torn ACLs) and if it would be covered since that hasn’t been an issue for years. The lady I talked to said that since it has been an issue in over 12 months it would be fine, which I found pretty surprising tbh. She explained it like - if your dog had a belly ache 3 years ago and it came back that’s something they’d cover. But if it was a chronic thing before you started insurance then no.

I submitted a property claim months ago (homesite, Colorado) and it has been agonizing with many moving parts. Most recently, the work is done but the restoration piece, which is covered, has not been paid out so I am missing floor, walls, toilet is in the tub, furniture is all over the place, etc. it has been like this for over a month. The challenge is that my adjuster had to send the claim out to a third party, and the third party can not talk to me directly. They have even told the company doing the work on my house to stop forwarding and ccing me on emails from them. So every time I call my adjuster (the one with my insurance company), he is kind of unsure where they are in the process because he is not them, basically. But then if I check in with the contractors, they haven’t even heard from either adjuster. I am wondering if this is normal and if there is anything I can do to get clear answers from someone. It has been very “he said- she said” games or telephone for weeks and I just want my stuff fixed.

How is acupuncture not “alternative and holistic” but PEMF is? I’m treating hind leg pain and arthritis in my young dog, was recommended to get PEMF involved, but I just checked our policy and it’s not covered. Anyone have any success with appealing PEMF coverage? I’m sure that I’m out of luck as it’s specifically excluded in the policy, but I’m wondering if it’s worth pushing for with a vet note.

Hi. I was recently informed that my Covered California Blue Shield insurance was canceled because I was automatically enrolled in medi-cal despite not applying. I’m currently employed so not sure why this happened. I paid out of pocket for my previous insurance because it covered a very important medical procedure that I need. I am really desperate to reactivate my old insurance because it’s very rare to get health coverage for this specific treatment. The clinic said it’s very surprising that Blue Shield covered it. I have been told to go to the county office and request medi-cal be canceled. Should I have an easy time reactivating my old insurance afterwards? Thank you.

Ins: State Farm I got into a wreck that I was deemed at-fault for in May 2024. My auto policy at that time renewed from Feb 2024-August 2024. In August 2024, they renewed me again and raised my rate (obviously). Then in December 2024, I received a letter from State Farm saying they weren’t renewing me (Feb 2025-Aug 2025) for being high-risk and I had to find new coverage. So my question is: Why did they renew me again in August 2024? Why didn’t they just non-renew me at that point?

Back in December I got in a car accident. Literally work 4 mins away. I only drive to work to be able to pay my car and insurance. Long story short … I was in a 2 weeks waiting period before my insurance started thinking my last insurance was still active (it wasn’t). Police came and still accepted the insurance. Didn’t get cited or anything. My insurance said they can’t cover since it was during the waiting period… guy attempted to contact a lawyer and claim injuries but wasn’t injured after all or they didn’t find anything wrong. He doesn’t wanna admit to fault because he was speeding so obviously his insurance is blaming me. They called and threatened to report me to DMV and get my license suspended if I don’t pay 15k… I told them I wanted the case to be re-evaluated since I know I’m not 100% at fault. They never called again and since then my license is still active. I haven’t heard back from either his insurance or the lawyer he was trying to claim injuries . What happens now ? Is my license still a threat to be suspended due to my insurance not being active at the moment even if the cops didn’t ticket me ? Should I just not worry if they’re not calling me anymore ? I also don’t wanna get in trouble but the fact that the guy tried to claim injuries and lied about his speed isn’t fair to me