Hey everyone, looking for some advice. Back on February 6th, I got into an accident when the roads were icy, and sleet was coming down. I was driving under the speed limit, but my car swerved and I stupidly slammed the breaks (didn’t know that was literally the no.1 no no) and ended up swerving into a different land and a truck ended up hitting me on the passenger back side. The car was totaled. Fast forward to now—I just got a notice from progressive saying I was found at fault. They included a form where I can contest it, but it costs $50 to do so. The form asks me to describe what happened, including the weather conditions. There was a decent gap between when I stopped swerving and when the truck hit me, so I feel like I might have somewhat of a case? But even then, is it even worth sending the $50, or is it just a formality with no real chance of overturning their decision? At the scene, the police told me the other guy had a dash cam, and I don’t have any other proof that I wouldn’t be at fault. Also, would this at-fault ruling impact my insurance premiums down the line? Appreciate any insight!

Today our new 2025 rav4 got rear ended by a driver. It has 5000 miles on it and we just took it to get its first oil change and were given a coupon for free carwashes for a year. Decided to get a wash once we were done. The carwash place is one with a conveyor belt type of thing that brings the car forward. The signs said to go into neutral and let the belt do everything so we did. Suddenly we get banged from the car behind us. The worker at the carwash stopped everything and said multiple times it was the driver behind us at fault. She didn't go into neutral and instead stayed in drive and accelerated, causing her to "jump" the grooves on the belt and hit us. She kept saying she had no idea what happened. Our car isn't seriously damaged from what we can tell, the back bumper will need replacing and above that is dented. The other driver's car was fine, go figure. I did ask the witness/employee at the carwash for his name and if he had footage. He said the corporate office would have it. I do have a front dash cam that doesn't really show much but you can hear a loud boom from the impact. I'm hoping and praying my insurance company can see it wasn't our fault. I know we have to get everything repaired before worrying about a diminished value claim. I'm just wondering how this will all work. We exchanged insurance info and we both have geico. I submitted the claim but how will all this work with trying to get a diminished value claim? Will geico just say no since they're kind of "going against" their own company to try to recoup our loss? Sorry I just don't understand what to do.

Healthy Paws just raised our pet insurance to an extra $100 a month out of no where! Has anyone else gotten a huge rate hike like this from them? This is Absolutely ridiculous.

Hi there I’m a new driver 18 licensed this year and I’m on my own progressive plan I don’t have a parent/guardian to join their plan I drive a 2018 Nissan versa with two previous owners to me and I’m currently paying 725 a month which isn’t really reasonable tbh that’s as much as rent is with a roommate lmao and I was wondering if anyone had any tips to receive a cheaper rate or a different company I should try I tried aaa and they said since I haven’t been driving for 6 months there’s not other options besides progressive but I cannot afford to pay that every month on top of bills :/ but I can’t not have a car when this city has horrible public transportation

I got hit by a car last summer in NYS and was told by my lawyer that they’d reimburse for taxis (up to $25/day) and personal help needed around the home and stuff. I kept all my receipts including for things like a walker, shoe lift, etc (I only got crutches through the doctor). Now the insurance company won’t reimburse any of it because they said: 1- they only cover taxis to doctors appointments 2- they don’t cover laundry because that is “personal” 3- they won’t cover any medical things because I didn’t have a prescription for them. These probably are the rules and I’m mad that my lawyer didn’t actually tell me this before and told me the opposite because I probably could have gotten a prescription for those items. But I want to make sure.

What kind of company does this where they don’t accept my debit or credit card for monthly premiums. They will do checks, but still.

I have three policies with Geico auto policy in NY that renews on the 9th auto in NJ that renews on the 10th homeowner's that renews in 7 weeks I get multi policy discounts for all of them. I want to move the NJ auto and homeowners policies to another carrier for better pricing. I'm looking to do it on the 10th after the NY policy takes effect. Once I do it the multi-policy discounts will go away. will the NY policy go up in price after the renewal takes effect? I don't pay it and it's for family members who are also on it and it's a lot of money and I want to hold off the pricing complaints as long as I can

I just thought about checking on my fetch insurance, went on to the medical record page, and found out that ALL my pet’s medical records were deleted!!! It says no medical records at all, but I’ve been updating my pet’s medical record since I adopted him in 2023. There are 4 records that I updated, including annual wellness check and initial baseline. I have the confirmation of medical records emails from fetch last year. I called them and reuploaded all the files. The customer service was nice but she said that she has no idea why this happened, and no further clarification on how to prevent this in the future. This feels so shady. Everyone with Fetch, please have the habit to check on your records regularly, because I’ve had experiences of them refusing my claim because I didn’t post annuals check up record every year. I can’t even imagine what could’ve happened if I didn’t think about checking the insurance today… still in shock

My dog just turned 8 and her insurance with pets best doubled. Where im at financially is not great, im just able to get by with my exisiting bills, part of why i have pet in isurance, for the chance something terrible happens like a broken tooth or torn tendon or whatever may happen. Shes healthy. Has allergies but theyre not on her med record as far as i know. I just am trying ti debate if i should set the money aside each month for an emergency fund for her, rather than pay the insurance fee. My fear is something qill happen before i have a good savings, though i usually try to have $1000 emegency money for pet or car stuff, im not quite there yet atm. I have decent credit so if something happe ef im sure i can do a payment plan of some sort. Idk im just wondering if its worth it anymore at the price theyre expecting. My 3 yo dog is clumsy as hell so im keeping his insurance. I just know theres going to be a day he falls the wrong way and tears a tendon or something hahaha! Any advice is really welcome, im just so broke these days and i really want to find the best option that ensures my pup can get the treatment she may need in an emergency.

Who else thinks that we should ban people who provide false or misleading information in this sub? Or at least have a rule against misinformation so that we can report comments with misinformation and get people can get banned from this sub? As a broker with more than 10 years of experience and running my own agency, I have zero tolerance for misrepresentation and misinformation. This is a bit of a rant with another post's comment from an agent from Primerica r telling a consumer that they should cancel a whole life that has been in-force since 1949 because they claim that the death benefit is going to be taxable, which is lies. We should be able to ban people from this because even the OP responded like, oh, I should consider that. As someone who genuinely cares about clients and protecting their best interests, this is something that boils my blood when I read. EDIT: I'm not talking differences of opinion (e.g. Term in better than permanent). I'm talking about LIES. Verifyable proven lies. Such as "the death benefit of whole life is taxable"