Hello I hit a deer a couple of weeks ago with our 2015 Subaru Outback. The damage is simply cosmetic, but our insurer (Meemic) deemed it a total loss. The car probably has another 100k miles of life left and the absolute LAST THING ON EARTH we want to do is deal with buying a car again. We haven't built up the reserves to pay cash, and I just about refuse to pay interest on such a miserable asset through a car loan. Can someone help explain to me the insurance issues moving forward as we *will* continue to drive this vehicle? What to prepare for?

Hi, I would really appreciate it if you could provide some guidance. I am in the process of buying a 5 acre property with a 1980 1100sqft permanently attached mobile home. It is so obvious that the value is in the land. I never thought when making the offer that the manufactured home would become such a problem. My plan was to buy 5 acre land build a regular house on it in 1-2 years. Because of the manufactured home I am being hit with high interest rate and higher down payment. I was OK with that. But now the lender requires me to have Full Replacement Cost for the manufactured home. The lender would not accept the only and highest dwelling coverage I could find from Citizens. Citizens provided an RCE report stating brand new full reconstruction would cost $147k, but they would subtract depreciation and allow 25% higher in vaullue. So, that would be $62k + 25% = $78k and the premium is like $2300. Citizens won't go higher on the premium. The lender wants $147k coverage. I am unable to find any other insurers that would even insure the mobile home. I ordered 4-point inspection and the home passed it without any issues. Full roof replacement was just done 1 week ago as well. To me the mobile home is worth $30-40k at most, so the insurance company is right. Why would they insure it for higher anyways. I am purchasing the property as is for $330k. Putting down 25%. So, only borrowing $249k. The land itself is worth $300k+. I do not understand why the lender would not accept my $78k insurance as I cannot insure the land either. I told the lender/broker to be my guess and find an insurance company that would do what they are asking for. Even if they could, I could not even imagine what the premium would be on that case? 5k ? Who would pay to insurance for 40k Mobile home? What should I do?

Hiya, I adopted a kitty from my local shelter a few days ago knowing he has gingivitis and needs a dental cleaning and possible extractions which I will cover out of pocket. The more I dig into the plan the shelter pushed through Fetch, the more I’m realizing Fetch feels like an elaborate scam. I’m looking at switching to Spot as it’s one of the companies that claims they will cover curable pre-existing conditions if there’s been no occurrence/need for treatment for 180 days. Has anyone gone through this with Spot and can you confirm that they did start covering a condition after that 180 day period, or did they find a way out of it? Any other companies you would recommend that are good for this? He’s only a year old, the vet is hopeful we can get it fully treated and cured but of course there’s no way of knowing for sure.

Ok, this is absolutely insane to me but coming here to see if anyone has any advice or thinks I'm overreacting. My dog's TLDR background: * almost 2 years old, GSD mix with cattle dog, pit, husky * has been exhibiting some intense anxiety (can't take him on walks) and sensitivity to noises (these send him into a panic) * our trainer noticed he had a head tremor when he was about 5 months old, but my husband and I never noticed it, neither did our first two vets. Our current vet noticed it + an eye tremor about two months ago and recommended we see a neurologist and get an MRI * Thankfully the MRI showed a normal brain but it did show an inner ear infection The MRI was almost $5k. I submitted it to Embrace and they DENIED it because they are saying his inner ear infection is related to his itchy skin that he had when we rescued him at 6 weeks old, and therefore falls under his pre-existing condition. The MRI wasn't to identify the ear infection, that's just something that happened to show up. The MRI was for his brain health to see if we could determine why his behavior has gotten so anxious and he's started showing aggression. I've included screenshots of their "reasoning" and it seems absolutely crazy to me. Has anyone experienced something similar or have advice on how to proceed?

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

Is this auto insurance premium reasonable? ($1,208.10/year for two cars) Vehicle 1: 2008 Lexus IS 250 – $715.48 Vehicle 2: 2008 Honda Civic LX – $494.38 I'm in California and just renewed my auto insurance. I've been with GEICO for a while, but the premium keeps going up every year. Is this normal?

We recently rescued a mastiff puppy. She came down with parvo but is on the road to recovery. I would like to get insurance for her but I am concerned that having parvo as a puppy is a recipe for getting denied for any claim going forward. It just seems like parvo is one of those illnesses that could count against anything that goes wrong in the future. I reached out to Lemonade and their response was very general and generic. Preexisting, reviewing history with any claim, etc, etc.

They just randomly started denying chemo treatments for my dog after covering them for a period of time. Told us to contact the state with our complaint. Absolutely insane

I've seen some posts like this but figured I would ask my own question. I have a 2010 f350 dually that I only use to carry the camper or pull the boat. I think I owe around 10k on the loan if that. My truck bed camper came loose and sat on my wheel well bending the bed rail and fender. I submitted it to geico and they gave me $1700. Few months later I got an estimate from a shop and it will be $8000 to fix. It's just cosmetic and doesn't bother me too much since I very rarely drive it. Can I keep the money and instead put a flatbed on the truck in the future? I'm 32 and this is my first insurance claim. I'm looking for advice from anyone but would like to know preferably from people with experience with keeping the money from geico. Any advice is appreciated!

I live in the states in Indiana. I went to my doctor this morning and used my insurance card fine. They prescribed me meds, I went to CVS and they are saying my insurance card is not working. I called ambetter and they claimed I got a new ID number, I gave CVS the number and they said it's still not right. They gave me another number and it's the same as on my insurance card. What is going on? I have a feeling CVS is messing up but maybe it's Ambetter??