Back in 2023/2024 we had a tree brand fall on the A frame of our Highlander. We called state farm, they decided after an assessment a repair would do the trick. They wouldn’t let us use Toyota without paying 50% out of pocket. So we ended up using their preferred shop. Long story short, the replaced the windshield and “repaired” the A frame. It was still leaking and we went back, they “repaired it again” and it was fine (minus the water stains on the head liner). It’s been about 16 months or so, and it is leaking again. No additional accidents or anything. My wife and I are incredible tired of dealing with this. Anyone have any tips on dealing with state farm for this situation? The value of the Highlander went down 10K just from the accident alone which is crazy state farm wouldn’t give us compensation for(IMO). We honestly would prefer to have a new Camry or something at this point and not worry about mold, stains, or possible leaks again. TIA.

Here it is, the Healthy Paws rate filing so you do not need to struggle to find it. HP requested a 44.8% increase... and got it approved. (Remember, the last several years already had similar increases). Still doesn't answer how I got a 180% increase, so sit tight... Taking my case aside, let it sink in: They asked for, and got, a 44.8% increase. Vet costs, even in CA, went up that much in a year huh? So remember when they spit out the canned response online of: *In accordance with the terms of the Policy and the associated rating rules, monthly premiums may change for all policyholders. Premiums are determined based on the rates and rating rules filed with and approved by (where required) each states insurance regulator. Premiums reflect the cost of treatment advances in veterinary medicine, characteristics of the individual pet, and other factors, in addition to the overall claims experience for the program within the region where the pet resides. Please note that premiums are not based on a given pets individual claim history; rather, premiums are based on the collective experience of all pets insured. We do our best to be transparent regarding annual premium increases by including this information on the "Frequently Asked Questions" page of our website. The Healthy Paws Team* remember: 1) THEY.ASKED.FOR.THESE.INCREASES. They then use this corporate jargon to say it went up in accordance with the rate filing (WHICH.THEY.ASKED.FOR). 2) The "transparency" is not transparent. Look how much digging one had to do to find the above screenshot, when all their FAQs again say: Will my premiums increase? In accordance with the terms of the Pet Health Insurance Policy and the associated rating rules, monthly premiums may change for all policyholders. Premiums are determined based on the rates and rating rules filed with and approved by (as applicable), each state's insurance regulator, which reflect the cost of treatment advances in veterinary medicine, individual pet's breed, gender, age, and other factors, in addition to the overall claims experience for the program within the region where the pet resides. Premium increases are not based on your individual claim submissions.

I've had pet insurance with Lemonade going on five years for my cat. I just had to submit a claim for her, but I'm super worried I'm going to get a rejection because the nurse took inaccurate notes. When we were discussing my cat's history, I said that her chronic gastrointestinal issues started after her first attack of pancreatitis 'shortly after she was adopted.' The nurse instead noted that her chronic gastrointestinal issues started 'right after adoption.' I'm super worried that this will lead to my claim being rejected and my former claims being marked as fraud. Her issues didn't start until about 3-4 months after I got her vet insurance, and that was after the illness waiting period had passed. They covered her pancreatitis when it occurred in March 2021, and I adopted her in November 2020. Does anyone have any advice on how to prepare for the rejection which I assume is coming? Is the only thing I can do is ask the company to review her old vet records and see how they don't line up with what the nurse typed before that moment? Any advice is welcome!

Hello all! I was a passenger in a non at fault accident two years ago. My lawyer filed with the person that hit us, and then used my underinsured at the time too (with geico). We just switched insruance and our 6 month premium is 300 dollars more than if I didn't have that claim 2 years ago. Is it normal to have my car insurnace go up because of a non-at fault claim where I was a passenger? Thank you!

Hi, I got into accident and my car was total loss. It had a loan amount of $40k. Primary insurance paid market value $32k and pending was $8k, which suppose to be covered by GAP. I went to Gap, submitted all documents. The purchase agreement I had was under the name of A (lets say) Autos and Gap document had name of B autos. These two different dealerships had partnership at that time. Now Gap asked for original bill of sale and I provided it by reaching out to B. Now both documents Bill of Sale and Gap have same dealer name on it and they denied my claim saying ‘dealer name mismatch’. They denied a document and then denied the claim on basis of document that was never accepted by them. Please tell me what should I do. Its been 8-9 months I’m dealing with dealer at B autos and he is just saying same thing every time that he is talking to Gap sometime they respond sometime dont. Sometime this guy doesn’t answer my calls. Its costing me my mental heath, time and money without owning a car. Any leads appreciated 🙏

Last year, my home was hit by a vehicle and became unlivable. I was advised to create a claim with my insurance company. I had a disaster restoration company come out, provide a quote, paperwork signed, my insurance paid out a portion of the estimated total, I paid the deposit to the restoration company out of that. That was six months ago and no work has started, and here is (allegedly) why: 1. My siding has asbestos. Contractor says they cannot fix the damage without disrupting the asbestos on the two undamaged sides, therefore insurance needs to pay for four replacement sides, not two. According to contractor, this is an EPA regulation. Insurance says because it’s not township code, it doesn’t matter and they will only cover two sides. 2. My hardwood flooring is original to 1950 and has no subfloor. The subcontractors won’t fix without installing subfloor, as the type of hardwood used in 1950 does not exist and today’s would not be strong enough. Insurance will only cover fixing the damaged area, which means I will have a visible difference and seam in the hardwood. Again, because it is not code, Insurance is pushing back. I have not received an actual denial letter, I’m just being told by the adjuster that nothing is happening. I requested to escalate to a supervisor two weeks ago, still no updates. I’m overwhelmed and I’ve been out of my home for more than six months. Questions: 1. Do I need an attorney, and if so, what kind? Google hasn’t been helpful. 2. Am I within my rights to get a new quote for the siding and hardwood flooring separate from the other repairs? 3. Why is this going through my insurance and not the insurance of driver who hit the house? I only filed with my insurance because I was panicked and a neighbor told me to, and I’d rather argue with the bad guy’s adjuster instead of mine. I feel like I have to play nice with everyone, but the anger and resentment and frustration is building.

Hey friends, I got rear-ended while waiting for the highway exit. It is pretty clear the other party is liable. The other car was a Nissan car and is insured by this Infinity Selected Insurance Company. The insurance company acknowledged the liability, looked at the photos of my damage, and just sent me a check. But they also said I can reach out to any bodyshop for repair. I did, and the bodyshop found more damage inside and the repair fee is a lot higher. What to do next then? The bodyshop said they will send the inspection report and photos to the insurance for an increase amount. I also think the bodyshop might be exaggerating a bit regarding their quote. Is this normal practice? What should I do to make sure the insurance don't deny the claim. It's a brand new 2025 car so I don't want to pocket the money. I just want the car to be repaired properly. Any suggestion is highly appreciated. Thanks a lot. \-- Alex PS: I live in Bay Area, CA.

yesterday morning i got into a fender bender. i was waiting at a red light on a 3 lane road. left lane is a left turn/u-turn lane. middle lane (the one i’m in) is a straight only lane. right lane is a right turn only lane. the light turns green (i’m first in line at this light), and i slowly start accelerating (i have become a very defensive driver because the city i live is filled with actual idiot drivers, so i never take off at an intersection for fear of someone running the red and t-boning me) to cross the intersection. all of a sudden, a car is in front of me and hits the front right of my car with the front left/side of their car. she was in the right lane and made a u turn from there (or was trying to). i feel like it’s pretty straight forward that moving to the left in capacity from a right turn only lane puts her at fault, but i don’t know how this all works. i recently turned 24 so my insurance is still a bit high, and im waiting until 25 to get comprehensive collision when it’s more affordable for me. so, i’ve had to file through their claims, bristol west. i didn’t call the police for this accident; i was rear ended really horribly two years ago in this same town and it took 2+ hours for a cop to arrive. i have a large event happening at work this week and i legitimately didn’t have the time to spare to wait for an officer to show up. neither of us were hurt, and the damage isn’t too horrible (from what i can tell) so i couldn’t risk missing my morning at work. i know this isn’t great as a police report would help with the story, but i can’t change the past. does anyone have any experience with this? the girl who hit me was very apologetic to my face, but im worried that her story/her insurance (known for high-risk drivers) will try to swindle me and i don’t have my own collision insurance. does this seem straight forward enough or am i in for a headache? thank you for your help, advice, and guidance. edit: would it be worth it to go on my cities FB page and ask if there were any witnesses? it’s a pretty common intersection and my city is relatively small. also, should i contact the police department to see if there is intersection footage? i just want to be as prepared as possible since i don’t have any dashcam footage. thanks

I brought my 2022 Low Rider ST (model FXLRST) down to Florida for Daytona bike week, and unfortunately I was hit by a Ford E450 and my bike was totaled. When progressive calculated the motorcycle’s value they used JD Power and with “standard” equipment they said my motorcycle is worth $16,040. However, if I were to select “options” I’m able to select all standard equipment that isn’t optional and it increases my motorcycle’s value to ~$18,300. That’s a significant difference. The “optional” equipment in question are things like a full fairing, oil cooler, cruise control, high performance exhaust, security alarm, saddle bags, and a standard suspension. All those aforementioned features come on the bike straight from factory and are in fact not optional at all. They are as standard as A/C and AM/FM radio in any modern car. The bike just comes with that stuff and that price of those things are factored into the MSRP. This is completely separate from my accessory coverage to cover things like a custom seat, better headlamp, new foot pegs, flat out crash bar, etc… those are all aftermarket and wouldn’t count towards the base price. I’m aware of the difference and am not talking about those items. I’ve forwarded my bill of sale to show that none of those features were options that were installed at the time of purchase and any field adjuster could with the help of a service professional could identify every feature on the bike. So why is Progressive so confused? Where is the disconnect?

We purchased Spot Pet Insurance for our newly adopted rescue Golden and chose “Accident” insurance only . They happily took our application and all monthly payments since July 2024. Over the weekend, he suddenly became lame on his back right leg and was very reluctant to walk or stand up. We know it occurred between his am walk and 3 pm. After taking him to Blue Pearl and getting imaging done as well as pain meds, we submitted our invoice for reimbursement. DENIED. Reason why? We didn’t have the EXACT time of the injury. I submitted an appeal, but if it’s denied we are cancelling. We would be better off putting $100 bucks a month away in his own health account. What a bait and switch!