I have been a State Farm customer for almost 40 years. I recently was in my first serious automobile accident where the repair costs are around $25,000. State Farm has been hellish to work with and dragged even just the start of repairs out two months. It’s not over yet, but it’s pretty clear I’m gonna end up having to pay a pretty good chunk of that out-of-pocket. The body shop tells me that most namebrand insurance companies are difficult to work with. He suggested one of the high-end brands like Chubb or Pure. The more I think about it it seems like I could go with a low rate company and for that once every 25 year incident just pay for the repairs myself. As long as I have injuries and liability covered, it feels like I would come out even. My question is this. Should I go with a different company that is more white glove service like Chubb? Or should I find some cut rate company where I at least know up front I’m going to have to pay out-of-pocket for an repairs like this but save money and headache in the long run? Or should I just stay in the middle with SF? FYI, I do have good umbrella coverage too.

Got a quote from GEICO like around a week ago for 299 and month for full coverage, it’s the cheapest one I found compared to other insurance companies charging me 2x that at 18 I called GEICO and ran through the quote with him for a 2022 Hyundai Elantra limited he said it will be 304. That car ended up getting sold I found a new car I wanted clean title not a rental 7k miles 2024 Hyundai Elantra sel I got quoted $299 for it last week. Now I did another quote for the same car it’s all the same info I had last week and now it’s at $540 a month. I called and the GEICO guy said “rates can go up” and I highly doubt they go up $250 in a week. He did say my $299 quote sounded unrealistic and they whouldnt quote that when I literally have the saved quote on my GEICO app. I’m just wondering is this normal? And I can still buy the $299 a month quote right now since I did save it but I am scared they will raise my insurance prices to 550 a month after the 6 months. I do have screen shots of both quotes but just can’t add them. Should I buy the $300 a month quote since it’s the cheapest I found or will GEICO raise my rates after 6 months.

I’ve had liberty mutual since i leased my Jetta in 2021. My rate was $145/month until jul 2023, when my coverage renewed and then it increased to $197. Then increased again to $225 in jul 2024. I called and spoke to an agent to ask about the increase and they said it had nothing to do with my credit and that rates were simply rising across the board… In 2022 I had a small fender bender with someone while parking, my insurance covered it i think. I never followed up with my insurance to see if they actually filed a claim. In 2023 my car was side swiped by someone parallel parking and they left a note and their insurance covered the damage and repair. But that was the only accident i had. No speeding tickets, but i did have many parking tickets (my city is brutal). Now I’m wondering if I should shop around, but seeing other peoples posts im not sure if $225 is even that high rn? My credit score is 759 and I make $72,800 a year before tax.

I'm honestly at my breaking point dealing with BCBSNC. I’ve had multiple claims denied that should be routine — and I’m exhausted from trying to get clear answers. Recently, I had in-network bloodwork done that was ordered by my doctor. BCBS denied the entire claim — not even applied to my deductible — and there was no EOB at first. The exact same tests were processed last year with no issue. In Dec. I had a bad sinus infection, I went to urgent care, and even though the provider billed it correctly as urgent care (POS 20), BCBS processed it as outpatient hospital and denied the appeal. Last year, I also got stuck with a $1,300 bill after seeing a cardiologist who ordered a stress test at a local hospital. That claim was denied too, because they classified it as an outpatient hospital visit — even though it was a specialty care appointment. I’ve submitted appeals, contacted billing departments, and chased down paperwork, and BCBS just keeps giving vague, inconsistent responses. I haven’t contacted HR yet, but I’m seriously considering it, along with a complaint to the Department of Insurance. I’m using in-network care and following the rules. I just don’t know what else to do at this point. Has anyone else dealt with this kind of mess?

After 3 phone ,RESENDING MY CLAIM TWICE AND APPX TWO MONTH LATER THEY HAVE NOT PAID OUT MY CLAIM'. After less then enrolling a year since enrolling my 2 year old dog they raised my rate. when she turned 3, I never had so much issues when dealing with another company.

My husband lost his job a month after I gave birth and is on unemployment now. I applied for Medicaid and now my son and I are on it. However, we both got a card for some Amerigroup plan which is through Medicaid? My son's pediatrician only takes Medicaid and not this plan but I'm confused. Is this not still Medicaid? And if not, why would we get put on this plan from Medicaid when we never asked to be put on it? Can I reject this and just have us on plain ol Medicaid? Who am I supposed to call to get this fixed? Age: 32, Son is 5 months. State: GA. Estimated income: $30,000 from unemployment. 3 person household I don't understand how this works. Can someone explain it to me like I'm 5 lol.

I just financed a truck about 3 weeks ago and the dealer approved me with a loan through Westlake financial, I didn’t know much about them but after searching them, people have negative reviews about them. Well now I’m thinking that if I refinance my car loan, would it still count as 1 hard inquiry since I’m still under the “checking best rates” Time frame. Or should I just wait a couple months and then refinance later

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

Has anyone successfully moved their IRA from Inspira to Vanguard with an "in kind" transfer? It's impossible to reach anyone via phone at Inspira for help!

In December of last year, I purchased a plan from the Georgia Marketplace. A dental plan. I have called 4 of the offices mentioned under their provider tab and nobody accepts this insurance (solstice -Essential Smile GA- Total Care). One of the dental offices even mentioned that that particular insurance does not cover anything. Would this count as bad faith, false advertising or a 23 year-old learning the hard way about America's health/insurance issues.