Had anyone else had a sudden very large increase on their auto insurance premium? I've had allstate for 1.5 years now, and it suddenly jumped up by over $100 a month with no changes. This seems to big a hike to just be rising insurance costs. Has anyone had a big increase as well? Or suggestions for what to do? I can never seem to get an answer from Allstate. One customer service person told me that Florida was having storms and this impacts insurance prices (I don't live in Florida). I'm thinking about just changing insurance companies :(

Trying to figure out how much longer I should justify purchasing insurance for my goldendoodle. He is very healthy, not overweight. But I do have some pricey allergy treatments for him a couple times a year, but doubling his insurance is crazy! Any recommendations? \*\*Nationwide pet insurance\*\*

My first mistake was insuring through state farm. My second mistake was using one of the preferred shops that state farm recommends. My liftgate had a dent covering 40% of the area of the surface plus it was bent on the inside frame. State farm insist they can repair this by bending the panel back in place and filling with bondo. This is the worst way to fix this door, but State Farm doesn't care they just want a cheap repair. STATE FARM IS NOT A GOOD NEIGHBOR - THEY ARE VERY DECEPTIVE AND WHEN IT COMES TO YOUR CAR REPAIRS THEY WILL SCREW YOU BIG TIME.

I have a two year old mixed breed dog he has been on Fetch pet insurance since I adopted him as a puppy. I was paying about $25/month. The first year I did not make any claims so it did not increase. This past year I did have to make about $5,000 in claims which led to an IBD diagnosis. I have not made any claims since then. I just got my renewal notice and the new monthly cost is around $60/month. This doesn’t seem reasonable for the low coverage limit I have. This seems like an excessive increase. Is it worth switching pet insurance to something that has better coverage and is less than half the price but won’t cover pre-existing conditions and just saving the extra money for when it’s needed? What would you guys do?

Basically my ex lied about his dog who was his sister’s first. She has been insured since she lived with me with my ex. I put her under my GSD’s policy and I’m glad I did once she was abandoned lol. Anyways, Lemonade uncovered her past medical records that I didn’t even have. Due to this, they tried denying an entire claim, which included a new illness. I kept escalating it and finally they agreed to cover some items pre-existing and agreed the new illness was to be covered. You won’t be able to argue everything but don’t be afraid to keep pushing back if you disagree. I made them keep the case open for 6 months until it was correctly resolved. Also, Lemonade does have a phone number.

My Simple IRA is with Edward Jones through my employer. My advisor, a glorified used car salesman, claims that it’s not fair to compare my returns with him to either the SPTMI or my own Roth IRA. His reasoning is that because it sees contributions twice a month, there’s always recent contributions that have not grown which makes the return seem lower. The account is only two years old and has about 10k in it. It shows about 12% growth for 2024 while the SPTMI and my ROTH IRA (30k, maxed early in the year, 80/20 VTSAX/ VTIAX) showed about 24%. Does his explanation hold any weight? My returns over the last rolling year are negative by <1% while my ROTH is up over 13% still just because of how strong last year was. Appreciate anyone’s input!

Hey, has anyone ever dealt with owner guard gap insurance. I have been calling them for 5 days and emailing them and no one answers. It seems to only be one person that is working that is in a total different department. They don’t even have a headquarters if anyone has been in contact with them please let me know. I’m just trying to get a hold of anyone because someone totaled my car and I’m left paying out of pocket. Thank you for your time.

About a week ago, I was stopped in traffic when a woman rear-ended me. I won’t go into all the details, but she was a bit evasive at the scene. She did give me her insurance information, though. I only have liability coverage through my own policy, so I filed a third-party claim with hers. I called her insurance today, and they told me she hasn’t responded to their attempts to get her statement. The evidence is pretty clear - she had a license plate cover on the front of her car, and the text from it literally left an imprint, like a stamp, dead center on the rear bumper of my car. I really need my car, but my rear bumper is sagging, and I don’t think it’s safe to keep driving it like this. Based on her behavior at the scene and the fact that she’s now ghosting her insurance, I have a strong feeling she’s just going to keep evading responsibility. Given this, I’m wondering: is it okay if I pay out of pocket to fix my car now and then sue her in California small claims court to recover the cost? If so, what kind of evidence should I gather to make my case? For example, should I ask the auto body shop for a written statement detailing the damage and cost to repair? Thanks in advance.

I am scheduled for surgery next week with a specialist. I’ve waited a very long time to get this care and am chronically ill from my health problems. I received notice from the hospital billing department today that in fact the hospital is out-of-network with my insurance. This is after at least 6 months of appointments at this hospital and with this surgeon’s office. My insurance was billed for the other pre-op appointments. The billing office informed me today that I would have to pay about 49k up front to even be seen by the doctor for the surgery at this point. I pressed both my insurance and the hospital as to how this could happen. According to the hospital billing office, they had my insurance numbers but not my card on file (I’m quite sure I gave them my physical cards at one of my in-person appointments). They said someone had entered the wrong plan into the system (one that was covered by the hospital) and just discovered this. Something feels very wrong to me, not to mention the psychological stress of having been preparing for a hopefully life-changing surgery that is likely to be off the table. I have the option to file an out-of-network gap exception or use another recommended surgeon, but I am enraged that this mistake was made. I don’t understand how the hospital could just now find out that my insurance is out-of-network. Can anyone advise—is this fishy? What might I do to get my surgery next week? My FMLA is approved, my friend paid money to fly to stay with and take care of me, and childcare and meals are organized. I find the whole thing unacceptable but don’t know how to advocate for myself. My plan is Highmark Blue Cross Community PPO.

Proud owner of a 2013 prius for about a year now. During memorial day weekend, my catalytic concerter was stolen while i was parked in Brooklyn. Got a police report, filed a claim with geico, and got it fixed after a couple weeks ($500 out of pocket cost for deductible) This morning when parked in a pretty good neighborhood on Long Island, turned on the car and heard the hellcat noise. Made my stomach sink, worst feeling ever. I'm now contemplating what to do. I'm sure in NYS, any decent fix would run me at least $1,500, likely much more. The last fix receipt showed $3,200 just for parts. But I'm afraid to file a big claim twice in such a short time span. Will my insurance consider non renewal or flag me as a risky driver? I'm pretty new to having my own auto insurance, any help or suggestions are welcome. Can't really afford anything beyond $500 right now😓 The way people go around doing this type of stuff is sickening. Makes me so upset lol