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 :(

They have declined every single submission I have made, saying out of network on everything (including doctors that are on their list). They won't even apply out of network payments I have made myself towards deductible. The insurance is a joke, I have to resubmit everything multiple times. I've been a massive fan of ACA till now (blue cross, Capital, etc). Is there anyway to get out of this insurance?

As the title says I'm in a little bit of a rough spot, and am looking for some outside advice. I moved across country for a better paying job and saved up for a house. After putting over 50k down on a house priced at 240 with about an acre of land. I thought I did okay, I knew the house was a little older and would need some updating but I thought I was saving money in the long run and that it would be a good investment considering the area. Went through a realtor, had the house inspected, did all the normal things. But immediately things went wrong. Within two weeks of owning the house, the detached garage had a major leak and I had to get the roof replaced. The inspector refunded us our money but said that he wasn't liable beyond that. Several lawyers told me there wasn't a good chance I'd get anything and it would just be cheaper to eat the cost of the roof. So I did. Had to replace almost every appliance and toilet in the home because they all started to fall apart within the first six months. Again just figured it was my bad luck and there wasn't anything I could do. Fast forward to a month ago and just before the year anniversary of buying the home, the entire finished basement flooded. Insurance said since it was ground water that it wasn't covered. Turns out there were some big foundation issues that I have now spent over 20 grand to fix. Again insurance said that foundational issues are considered " normal wear and tear" and so not covered. After starting the repair process on that I've discovered a whole slew of other issues with the home that was hidden behind finished walls. And with my never ending good luck, I had a gas leak in my furnace that I found the other morning. I have turned the gas off to the furnace until I can get someone to repair it. The problem is I am already well over 100k cash into this house and I've only had it a year. Idk how much longer I can keep this up considering I'm basically bled dry and I haven't even fixed anything beyond the foundation yet. The wife wants to sell the house after we fix it all up and just get out, but I'm worried that we won't recoup anywhere close to what we have in and will be stuck back in apartments again. I'm not sure what to do or how to move past this place. Has anyone been in similar situations? Is there light at the end of this tunnel or should I bail and just accept the loss of all that money? Any advice would be appreciated

My dog was thrown off a balcony by what I believe was the neighbors kid. Broke both of her front legs. I have the police involved and investigating. The vet bill was over $13k. Her bones are being fused to reduce the chance of lifelong pain from this. Here’s the deal, I put $5000 down for the surgery (and paid another $1500 for the initial emergency vet visit.) The claims rep is asking for proof the balance I owe the vet is 0 and that the invoice is paid in full. I read the policy and there’s nothing in there that says I have to prove that it was paid in full. The closest I found was this: “Submitting your claim To expedite your claim review, please file your claim as soon as you can. However, in cases where this isn't possible, we'll accept claims for review up to 180 days from the date of treatment. We require itemized invoices and receipts detailing your pet's information, date of treatment, cost of the services, and the vet's information. You must provide all requested information and documentation during the claims process. All claim payments will be made to you, unless otherwise assigned by you and agreed to by us.” I pointed this out, told the agent I provided all the listed information and also pointed out that she has already tried two times to falsely deny my claim. (Initially she said I had coverage with someone else then said my policy was canceled.) I also asked her where in the policy I am required to provide what she is asking. Can they force me to pay this in full before they refund me? I put the $5000 on credit cards with a 40% interest rate so I’m trying to get this resolved asap. I’m beyond stressed, but thankful the vet at least allowed us to put $5000 for surgery instead of forcing us to put her down because I don’t have access to that sort of money. Even the $5000 was difficult to acquire. Yes I realize now I made a bad insurance decision but that doesn’t help me in this immediate moment.

A few weeks ago, my car was hit in my workplace parking lot here in Minnesota. I made a police report and got security footage of the incident. While the footage didn’t directly show the other car making contact, one angle captured the only vehicle near mine, and another angle showed my car rocking from the impact. The police reviewed the footage and agreed that the vehicle likely hit me but noted that we needed to identify the specific car since we didn’t have a license plate. Fortunately, since this happened at my workplace, we were able to find a matching vehicle based on make, model, decals, and wheels. Upon inspecting the suspected car, it had scratches exactly where the damage on my car lined up. While I understand this is circumstantial evidence, it strongly suggests that this is the car that hit me. I filed a claim with their insurance (State Farm) and provided all the evidence. However, I’ve been calling every other day for updates, and State Farm keeps telling me they haven’t been able to reach their policyholder. At this point, I’m stuck waiting with no progress. I’m considering small claims court, but that’s really a last resort since I work with this person, and they’re actually my cubicle neighbor. I’d prefer to resolve this through insurance if possible. For those who have dealt with similar situations—what are my options? Is there anything else I can do to move the claim forward?

I have auto, home owners, etc and recently applied for Long Term Care Insurance with Nationwide. I did the application over the phone with the agent, then did the (hour long) Q&A. A few days/approx a week later, I got this email from the agent "Nationwide approved your application for CareMatters II Life with LTC policy." I thought the vernacular was strange, because if an application is complete, the 'application' is approved but the policy isn't. I decided to let sleeping dogs lie and left it alone. 1+ week has gone by and still no policy. I followed up with the agent and was told "they would be in touch “shortly” with an updated timeframe". A week goes by and nothing. I called the agent and he looked in the Nationwide portal and said the policy is still processing (I don't recall the exact term he said). Does anyone understand what is going on? Is Nationwide still reviewing my healthcare records? If so, why would the agent conflate "approved your application" with the more colloquial "your policy is approved".

I am 20 years old and on my parents insurance. I got prescribed a medication under the impression that they would not be notified but my dad got a call about the prior authorization being approved and also a letter in the mail. Does anyone know how to change this/prevent this happening again in the future?

I’m moving out of NY to another state soon for my masters and the school requires that I either have full coverage health insurance or I purchase theirs which is $4,500+. Is there any health insurance plan either in NY or nationally that I can enroll in which would allow me to be seen for any medical purpose out of my home state? My current insurance is health first but it is an HMO which only allows me to be seen at UC/ED for emergent purposes only. The school requires non-emergent purpose insurance as well.

Someone hit my car. Air bags went off on one side and bumper poked the radiator. Bumper and hood are crumpled but it doesnt look like anything else is damaged. No broken glass, and I can see under the hood and everything else is fine. Its a 2019 but good mileage and was in perfect condition prior. Filed insurance claim. It was the other personsfaultbut of course they didnt have insurance. Realistically what is the outcome? Weve had progressive for years. No claims for atleast 5 years. Edit: sorry 2019 Jeep Cherokee

Hi! I’ll get right into it- I adopted my dog in 2021 at age 3 and got her pet insurance immediately at around $20 per month initially. The price has gone up as she aged and is around $55 per month now (she is 6 almost 7). I moved in the last few months ~10 miles away from my old apartment but still go to my same vet and have not had any significant changes otherwise. I called the pet insurance to change my address and they quoted me $139 for the same coverage I have just because I moved. Since I have been with the pet insurance a while, I feel like they just redid my quote as though I was a new customer and that’s why it’s so expensive. For nearly triple the price I’m not willing to keep the insurance but wondering if I have any rights here or this could be escalated further? I really like my pet insurance but feel that this is outrageous especially since I have not moved that far and still go to the same vet so I don’t see how it would make that much of a difference to them. More details- I have MetLife pet insurance. I live in Saint Petersburg, FL (moved from downtown to north st Pete and my zip code changed). I also moved from an apartment to a townhouse. Thanks in advance! Edit to add: no preexisting conditions except allergies (she gets a shot every 3-4 months) and nothing new that would have contributed to the price change.