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.

My State Farm agent wasnt much help. The two of us have two old cars, fully insured, for about $105 a month. We are thinking of adding a third similar old car, but driving no more than before. We will mostly let one car rest and use it only for holidays as needed, perhaps once a month. So we pay about $50 a month for each car. Would the next car also cost about $50 a month, or much lower, since we will be greatly reducing the amount we drive on the other car. Same total mileage as with two cars.

Hey Everyone! I brought home a new kitten on February 14th. We went to our first vet visit on February 15th. I uploaded the documents within a week of our visit and started the claim process the same day, to give my vet time to send their paperwork. As of today, my claim is still not finished processing. I was told their email system was down and they're now processing claims in the order they came in. I was also told they have a 40+ day SLA to get it done. Seriously? 40 days to process a "fast" claim? Why advertise speedy processing if you internally have a 40+ day SLA? End Rant

Hi everyone! I'm looking for some insights on my cat's insurance costs. I've been with Trupanion since my cat was 3 years old, and she is now 7. The premium has been increasing nearly every year, and I'm currently paying $106 per month with 90% coverage and a $0 deductible. She's been relatively healthy overall, just dealing with early-stage osteoporosis, which we're managing with weight loss. Thankfully, no other major health issues. However, the one time I submitted a claim, my vet had to intervene because Trupanion was reluctant to cover costs that were supposedly included under my plan. Given these details, does the price I'm paying seem reasonable? Also, if anyone has suggestions for more affordable insurance options in Canada that still offer reliable coverage, I’d love to hear about them. Thanks for your help!

I got pet insurance on each of my dogs when I got them. The second dog got a better, more budget-friendly policy thanks to the benefit of time and experience on my part. The first dog, however, is the medical problem one. The past few years we have barely hit our $500 deductible, but his plan was renewed today for 2025, and we will be hitting the deductible tomorrow due to a scheduled appointment. A few months back I got a rate increase notification from Fetch (0/10 do not recommend btw). That was fine, but what I didn't realize is that his $600/yr insurance jumped to **$1,000/year**, which was a SUPER fun surprise to my bank account this morning, especially when I budgeted six hundred into a very tight and aggressively paying down debt budget. My first reaction was eff this, cancel it. My second reaction was remembering this dog is set for roughly $700 in sedated arthritis x-rays and a biopsy of a potentially cancerous growth TOMORROW. We can't get any coverage in time if we switched today, can't really reschedule the appointment, it needs to be done soon, and his bad hips and allergies would already be considered pre-existing conditions. I don't have an emergency fund built up for the dogs, I wasn't making enough money last year, and ate down my savings. This dog is already going on prescription food, daily joint supplements, and needs to be taken swimming for his unofficial physical therapy (mutts aren't always healthier FYI). Talk me off the ledge here, this $1,000 is still worth it right? Do we eat the cost for this year and reevaluate next year depending on how this one goes? [Said spendy canine for tax](https://www.instagram.com/p/C-DrCPfv7K0/).

Firstly I appreciate any insight into this matter as it can be a minefield I know! I’m looking to insure myself (m34) and partners (f30) 4 vehicles, we reside on a non working farm in West Yorkshire but will soon be moving to a similar setup in north wales. Could anyone recommend a solid company to go with please? Also open to the possibility of becoming a Ltd company once we move as we will be running a small business from the farm if that helps the situation at all. we have dealt with aviva in the past and they have always been a struggle when it comes to claims. Thanks 🙏

Me and my husband bought a house and got scammed into a home warranty with a company called home warranty services and Mepco in January of this year. Our bank flagged the first charge as fraud but we let it through and decided to go ahead and cancel I was reassured that it was done given a cancellation number and told that a cancellation letter would be on its way in the mail and through email (it never came)fast forward a month they didn't pull anything else from the account thankfully but I get bills and late payment calls saying my payment is late when I answered the calls I explained I canceled over a month ago was reassured by agents that it's over and just to ignore the calls because it's an AI... fast forward to now another month later I get another bill from Mepco and I sign into my account through them and it reads the policy is still active I've emailed home warranty services and plan on speaking to a manager tomorrow but I feel like an idiot for falling for this in the first place what are my next steps if they don't cancel it???

My gfather took out a whole policy on my kid when she was born, then died about 10 years later and never mentioned it to me. I would get something sometimes in the mail from mass mutal but didn't know what it pertained to. Stupidly I ignored it thinking it would just cancel with non payment. Now I finally logged in and it says I have a loan going on $1700 because I guess it was paying the premium! What do I do??! Cancel it and then am I responsible for paying back???? I am the mother of the insured but had no idea he did something like this without my consent?!!

Six months ago when Progressive abruptly raised my 6-month premium rate by 20% the only explanation given was that "auto parts prices are rising quickly". Today Progressive raised my 6-month premium rate again by another 20% with the only explanation "high inflation in California". $1800 every six months is insanity. My car is nearly 10 years old and I only drive it to grocery store and maybe a restaurant now and then. I'm 60+ with clean DMV. What is Progressive trying to do there ? Is this legal or outright fraud ? If it's legal are they attempting adverse selection to eliminate California policies ? ( I've read about this for home insurance but not auto. ) What should I do ?

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