I’ve been paying about 80 a month liability only on one car, added another now it’s 255 this month and 155 from here on out. For context I’m a 24 year old male in NM. I’ve had a good amount of traffic tickets idk how negatively that’s impacting my rates. I have progressive. I always hear about people paying way less than me for liability or the same as I pay for liability they get full coverage for that price. I’d like full coverage but the price would be a lot, if I’m gonna have liability only I’d like it to be nice and cheap. Am I doomed to high prices being a 24 y/o with traffic tickets? Where can I get it cheaper? You always see those insurance commercials claiming super low rates online but I don’t even waste my time figuring it’s bs. I haven’t shopped around in a long time is it worth it to now? Or even better than shopping around, maybe someone here can tell me where and how to get it much cheaper.

The main pipe in my apartment building was backed up, causing some flooding in my unit (living room, kitchen, laundry room, bathroom, bedroom closet). The only thing that got completely ruined was my living room rug, so I tried to use my renters insurance to see if I could get some compensation for that, but they said something about not covering damages that don’t meet my deductible ($250). Some other things got wet due to the flood (some of my shoes, some clothes I had on the ground) but generally dried up decently the next day. They told me to call back if I saw there were other things that were damaged, but i’m not sure what falls under that label. Is it only things that are completely unsalvageable?

Location: Virginia I use Choice Home Warranty (I didn’t realize how scammy home warranty companies were until recently, so please don’t comment about that). They are requiring I pay a portion of a repair because it’s considered a “modification.” I pointed out that my particular policy covers up to $250 of modifications, and they are saying that that $250 was applied to a previous repair and no longer available. However they will not provide me any written documentation or the recording of the phone call where they stated this. Do I essentially just have to trust them, or are they required to provide proof?

Hi everyone, I’m hoping to get some advice on a situation that’s gotten pretty stressful. I live in San Diego, California. About two months ago, I was driving around 2 a.m. when a pedestrian ran into my car. He was running across the street diagonally, apparently intoxicated, and hit my car right as the traffic light turned green. I called emergency services, and he briefly lost consciousness but regained it and was taken to the hospital. I also have a witness who saw the whole thing and gave me their phone number and statement confirming that the pedestrian caused the accident. At the time, the police report clearly said the pedestrian was at fault. My insurance company (Geico) told me they would handle everything and assured me they had collected the report and all the relevant information. Fast forward to now: the pedestrian hired a lawyer and is suing me for bodily injuries. I just received a letter from Geico informing me about the lawsuit and requesting my statement again (even though I already provided it right after the accident). It seems like only now they are actually trying to gather the police report and contact witnesses. I feel that Geico hasn’t been proactive at all and may not be acting fully in my best interests. In the letter, they also mentioned that I have the right to hire my own attorney, and if I do, they will communicate directly with that attorney instead of me. My main questions: Should I hire my own lawyer in this situation, or is it better to just let Geico handle it? What are my chances of recovering my insurance deductible from the pedestrian, given that the police report and witness both confirm he was responsible? Is it true that a police report can be easily dismissed in these cases? Could hiring my own lawyer make this situation worse or “bigger” than it already is? Any guidance, suggestions, or similar experiences would be greatly appreciated. Thank you so much for your help.

Ugh. So a couple of weeks ago there was a crazy wind storm in my state. I had some roof damage so I got it inspected by a roofing company who told me most of the damage was from hail, which was enough for a replacement. I was told to put in a storm claim with a date of loss for the last hailstorm in 2024. I put in the claim with state farm and I was very careful to tell them that the date of loss was for 6/25/24 and it was for storm damage. I received an email after I submitted the claim and the email says "Date of Incident: 6/25/24". 4 days later the claim is assigned to an adjuster, and we schedule an inspection. Today he comes out for the inspection and he has the date of loss as 3/14/25 and wind damage. He said he cannot make any changes and tells me to put in another claim. Claim is denied because of not enough wind damage. Again, I was very careful when I put in the claim and I never said anything about wind damage or a date of loss of 3/14/25. Somehow the claim details and date of loss were changed between the time I put in the claim and the time it was assigned. I still have documentation (an email) that shows the date of incident of 6/25/24, but if I look at the claim online it shows 3/14/25. My local agent is supposedly working on this but I'm not too optimistic. What are the chances this can be resolved and I won't have to put in a second claim that will potentially cause negative effects to me? UGHHH

Windshield had some severed cracks that started to spider out and had to be fully replaced/recalibrated. Before having it fixed, I filed a claim with my insurance company (progressive). My claim was denied as I hadn’t yet met my comprehensive deductible and didn’t have glass coverage at the time. I added the glass coverage a couple weeks after the claim was denied to make sure I’m covered in future events. I finally saved up enough to have the windshield replaced and recalibrated just this week. My question: Is the amount I paid out of pocket for this replacement eligible to go towards my comprehensive deductible for any future issues? My biggest concern is that I just don’t want it to look like I’m trying to commit insurance fraud by submitting a second claim for the same thing after just adding the glass coverage. Appreciate any help.

We were uninsured for awhile, and honestly, it wasn't that bad. We had a 94% discount from the hospital we used and had a great experience with them for many years. Fast forward to last year, we officially got insurance. Cigna. We have an HSA account and a high deductible. We spend SO much money, but I view this as paying for peace of mind so if anything horrendous happened we would be covered. Now, I just got word that our hospital is discontinuing service with Cigna and everything is going to be considered out-of-network. This is a blow to our family because 2 out of the 4 of us require specialists. My son is medically complex and the hospital has a children's hospital wing where he sees 5 specialists a year and may need surgery in the coming years. I've spent years finding a medical team that works for our family and they're all at this establishment. It's all being pulled out from under us...it takes effect in 3 weeks. I don't know what to do now....should we go back to being uninsured? How do we shop around for insurance? Should I look into catastrophic insurance? A friend recommended US Health Group but after searching this sub I'm hesitant. Key points: 1) We make too much money for any form of government assistance (however, we are NOT wealthy) 2) We live 2 hours away from the next closest children's hospital and I have yet to find out if they accept Cigna. 3) How do I vet an insurance company? TIA

Last week I got my settlement value for my totaled car which was very very undervalued due to them not comparing the same vehicles. Their excuse was “we go off of the VIN, they did not have any ST models in the area for comparison so that was the closest model to your vehicle” that was word for word from an email I received. For context I have a ford focus st and they compared to the ford focus se, the two cars are VERY different in build and price. They are saying I can invoke my appraisal clause and get an independent appraiser at my expense. What should I do? Any advice would be greatly appreciated! Thanks everyone!

Over the last two years my Healthy Paws Insurance premiums have gone up a total of 81%, which has forced me to remove one of pets off of my policy to make it more affordable. One of my pets is a senior, like many of the posts I'm reading here, and he has a heart condition forcing us into daily medical management per his most recent Echocardiogram. Like most of us who are appalled at our premium increases as of late for our senior kiddos, I am proposing we all sign a Petition of Opposite which will require your Name, the state of residency and your current or cancelled policy number. I will be posting this on a few sites in hopes to round up all those who feel their pets and their pockets have been treated unfairly. If anyone would like to recommend the best way to go about collecting this information, please relay that in this post. Thank you for your time, a fellow pet parent!

Hi, i currently have All State for the one side of a duplex that i own. But they only cover up to the stud work. No structural. I've asked them numerous times how do i insure the structure but i get no real answer. How do i get structural insurance, foundation, frame, roof & then the rest MEP etc as the owner of one side of a duplex?