I got new policy update and they was telling me that I can't get any better rate because I had 3 accidents it wasn't my fault. 2 of the accidents just policy report but never file a claim or follow up since it's not bad damage. Any advice how to take on this??

hello! i know my issue isn't major, but I need help as I am desperate to solve this. Long story short, I had medical for the longest time and never had any issues until January when I was informed (when trying to make a dentist appointment) that I had a UMR blockage. I was confused but was told to call medical and get it resolved. I called them and they said to get in touch with UMR whcihc I tried but was beyond useless as they ask for a member ID which I stated multiple time I DONT HAVE, and after somehow bypassing the answering machine UMR tells me they have no records of me ever existing and to basically die in a ditch as they just hunged up on me. I explained this to medical, and they made me fill out a form to remove "other healthcare coverage," and it should be removed (I did this twice, btw). It in fact was not as I tried to make a dentist appointment again and same thing: "UMR blockage. please take this up with medical". I called medical again, and they gave me a case ID and told me to ask UMR for a "coverage termination letter," which I tried to do, but again, they told me, "We don't know you we can't do anything" and hung up on me. I explained this to Medical, and they filled out a form (the same one I did), and it should be resolved, yet I don't know if it actually be. Also, worth to mention one of the workers I spoke to told me that the UMR policy I was under was my uncles, whom I have had no contact since like five years ago and have no connection with at this point, the alleged policy began in 2023 so I don't understand how this even happened:C when I tried to report the fraud to medical they said "you cant report it here, report it to UMR and then we could try to remove the block because until then we cannot remove an active policy by law" But UMR has been beyond useless and I'm scared because I have a cavity and I know its not serious but I am afraid it could get worse Im just trying to see if anyone was in my same situation (which is very unlikely) or if I could get any recommendations on what to do because I don't know how to proceed anymore and this just pmo. Anyways thank you to whoever read this and pls help

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

I knew this was coming from seeing it happen to others but I got my policy renewal notice and our annual cost went from $347 to $505. I know this is far from the worst increase but it is still annoying. He hasn’t had a claim since 2023 and is only 4 years old. Is there anything I can do or say to them that might get this lowered a bit? I worry what his premium will look like a few years from now if they continue with increases at this level. I also am bringing home a puppy next month and have been going back and forth about insuring them through PetsBest or trying something new like AKC or Trupanion. Any thoughts on that?

My car is a **1989 Honda Civic RT4WD Standard** — these are practically unheard of now. I know insurance companies won’t pay for uninsured upgrades, but I recently spent **over $8k** on paint and body work to restore it to factory condition. The paint, trim, wheels, and tires are perfect. Unfortunately, we had a hailstorm while I wasn’t home, and the car got **hammered**. The insurance company is using comps from the much less desirable **2WD automatic** version, which sells for around $5k. I can’t even find a standard RT4WD for sale, but the closest condition autos I can find go for close to **$10k**. Similar Japanese “Beagle” versions are also around $10k. The insurance company says they can only use **dealership** listings (not private party), and since neither I nor the adjuster can find a dealer listing for my model, they’ve offered me **$4k**. I know it’s worth much more. I’m looking to get a **3rd-party valuation** but don’t know where to start. Has anyone here actually used a company for this and can share their experience? I can Google, but I’d prefer first-hand recommendations. Once this is resolved, I plan to move the car to **Hagerty** since they seem to handle collector/older car valuations much better.

I currently have an auto policy with only my teenage daughter (17F) after removing my STBX from the policy, but I feel like the premium for my car is higher than it should be and I'm wondering if there are any ways to reduce the premium. I am a 40M with a very clean driving record, my daughter had a claim last October where she hit a fire hydrant and the repair was \~$10k or so (no meaningful property damage to the hydrant). I drive a 2021 Tesla Model 3 and she drives a 2017 Audi A4 that her grandmother gave her. Total monthly premium with GEICO is $548 for my car and $366 for her car. I believe the average Model 3 insurance rate in Colorado should be closer to $300/month and I'm just trying to think of ways to lower my premium. Is it possible to separate policies and save money if I make it so that she can't drive my car and doesn't need to be insured for that? Any advice or ideas are greatly appreciated!

I guess I should have looked into this sooner, since I got the email from Manypets back at the end of December, but I forgot about it until now when I FINALLY got an email from Odie regarding the new policy which takes effect March 1st. I have been paying $34.12 a month for each of the last 3 years on a Golden Retriever since she was 3 months old with Manypets. $500 deductible and 90% reimbursement and unlimited annual. They say your rates will be the same with Odie as they would have been with Manypets, but the new premium is $50.15 for $500/90% AND I noticed that the annual max is no $20,000 instead of unlimited. I understand rates normally go up each year but this is nearly 50%. I have seen other posts about this so just wondering if you guys are sticking with Odie or finding another company. I still have not received the email regarding the whole policy so there may be more things I find missing. And if you did switch, do you know if the new companies normally waive the waiting period as long as you have had continuous coverage with another company?

I have a 2015 Toyota RAV4 and I still owe 12,000 on the vehicle, Just got it last year. with that being said I was in an accident on 3/6 and their insurance company wants to claim the vehicle as a total loss... my question is what if they don't give me enough to cover the loan? I am pretty stressed because the accident was not my fault at all. it is going to liberty mutual does anyone have any idea?

Hi everyone, I have a 9 month old maltipoo. I suspect he has chronic GERD since he throws up yellow bile if he goes around 6-8 hours without a full meal (like overnight or when he is stubborn and wont eat his lunch). This is to say I want to take him to the vet asap. But before that I wanted to add dental coverage to his policy just in case this issue persists and it causes teeth problems later in his life and then they wont cover it because it was a “pre-existing condition.” Dental work on dogs is very expensive! My problem now is that I emailed asking how I can go about adding this to my policy since I couldn’t find how to do so on their app. This is the response I got. i don’t understand why I can’t ADD coverage. I want to pay MORE money. I wasn’t aware that when I bought the insurance for the year it was locking the policy for that entire year. Now I’m thinking of cancelling all together and renewing with the actual coverage that I wanted. Has anyone tried doing that? Would they let me? Or would they recognize my name and vets and ban me or something. Thank you for all the help TLDR; has anyone been able to cancel their Lemonade pet insurance and renew with the actual coverage/policy they wanted?

Hi all, I have been losing my mind trying to figure out which coverage would be best for my pup. He is a 1YO chihuahua/poodle mix who was rescued off the side of the road at 3 months with a broken hip. He has had FHO surgery which did seem to help reduce his pain and allow him to put more weight on the limb (left hindleg). He loves running and jumping around and generally acts like a happy puppy, but will likely always walk with a limp. I'm aware he may develop issues as he gets older from compensating. We currently have Pets Best, which we have not had a good experience with. We have sent them the same documents three times and every time they said they did not receive it, even when I'm actively looking at the email to their claims department while on the phone with them. Then it takes a full two months for them to review the documents, only for at the end of two months for them to close my claim because they did not receive my documents.... and thus the cycle continues....... Which insurance would you recommend? Should I just suck it up and accept that I'm likely going to have to pay in full for any orthopedic issues? I'm happy paying on the higher end ($70-$100 a month) for more full coverage that would include exam visits, medications, etc, but I'm having a hard time figuring out which insurance would work best for my pet. Any advice y'all have to give would be greatly appreciated and save me hours of going down this rabbit hole!!!