Anyone has a good recommendation? My roof is 14 years old and existing insurance co. (Hippo) refused my claim...my current policy is insanely high with 5% deductible TIA

So, I’m planning on buying a Dalmatian puppy within the next few months and wanted to figure out which insurance I plan to go with before taking the puppy home. I’ve heard pretty good things about Lemonade, and they had a reasonable starting rate, but that went so high when I imput my information. It ended up being about $100/mo without add-ones such as dental or routine vet. Maybe I just don’t get insurance as I’m buying from a very good breeder who has heath testing/CHIC numbers, temperament tested parents, etc? I guess I’m just confused how a 3/mo old puppy of a breed that’s very healthy compared to a lot of breeds people have, can cost so much more than the base rate. This is my first time perusing insurance for a pet so forgive me if I’m missing something obvious here.

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?!!

hello everyone! I just adopted a cat, a 1-year old female (spayed, no previous health conditions). she's been to the vet, and they didn't note anything out of the ordinary. I was going to go with trupanion, but have seen a lot of mixed reviews about their compensation policy (something about per condition). I was wondering if anyone here has been in a similar situation to me? what insurance do you use for your cat?

Hi all, Unfortunately, someone (without insurance) hit my parked car earlier this month. I have their information and going through a claim now with progressive to get my car fixed. I assumed even though I was not at fault that my insurance would go up, but I just paid in full in June for the next 6 months and progressive just sent me a bill for $250 due in August? This seems a little crazy! I didn't think it would go up that much, nor did I think I would already have to pay a premium, thought this would be at renewal. Please let me know what I should do. Thanks!

(Head's up this is a long one) So, I recently got a letter in the mail saying I had a late payment for my healthcare premium although I've set up auto-pay and only recently got it reinstated in February. After calling customer support last Friday, they explained that after looking at it my old (terminated) account was still showing as active and was registering that I had been delinquent on those payments and that was the reason I had received the late payment notice. They told me I actually owed $0 and it was a system error. So, I went ahead and paid my rent early and put it out of my mind thinking it had been solved. WRONG! I then got a call yesterday saying that actually, "upon reviewing your account" I actually did in fact owe $999 by the end of the month or my account would be terminated. Is that not crazy? Are tIhey really that money hungry? I've filed a complaint with them but other than that, what else can I do? I'm considering just letting my account terminate, backpay for the one prescription I received and just starting new coverage next month but will that reflect poorly on me? I'm just not sure what else to do.

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?

Friend was in a MVA where she was going straight, CV was coming down driveway. CV did not stop, was given citation for reckless driving. She was injured, sought normal treatment. Ambulance/ER/PT/some testing. She had wage loss. VA is the state. Allstate found their insured 100% AF. Zoom forward over a year, 7 months out from SOL in VA. Demand got sent. 1 month after demand sent, Allstate changes liab states 'obtained data' speeding at 12.8 mph over limit on our side. That REALLY is not adding up for this road. There were no skid marks and she slowed down and moved into the other lane trying to avoid but the guy never looked... The PR shows she was doing the speed limit, however, the officer did not arrive or witness any speed. The other guy admitted it was his fault on the scene, but by the time he was being given the citation his fam was there insisting she was speeding(they didn't even see the accident... would be biased anyways). I find it mighty fishy it would take this long for any process to be started on an EDR and I work in insurance, I've never even seen a claim where EDR was pulled on a personal auto. I don't know how they obtained any data bc at this late in the claim I think chain of custody would be an issue and also the extraction method. I'm not sure where that vehicle has been bc it was a TL. Since VA is pure contributory, now with the reversal it's heading to our insurance, which is fine, we had the coverages. The issue lies with the pure contributory. If our insurance also finds the same, they could deny as well is my understanding. I doubt they will, but it's still quite concerning. How is this not a bad faith claim? Doesn't the VA statute say they would have to get permission to access that type of data? Don't they have to be forthcoming on how they obtained that data? This is a very weird situation and could end up costing a lot of money if both ins companies end up denying liab. Allstate already paid for the TL a long time ago. My understanding is even if the title was signed over, the VA statute states they can't access without request since they are an insurer and not using the vehicle for daily routine use. I'm not 100% they pulled EDR, but I can't figure out anything else that makes sense with that verbiage they are delivering. Any ideas?

so long story short, i was side swiped the lady who hit me admitted it was her fault. i filed a claim with her insurance and they called me and sent me a link to an app to submit photos of the damage. the damage is scratches and dents on whole passenger side of my truck, along with damages on the wheel. i get a call the next day stating they went over the 'initial estimate' value at $330.87 lol, i took it a body shop to get an estimate for all damages and i got a quote for $9,800.. a little confused how the initial estimate works, i called my adjuster but they do such a poor job explaining it to me as you can sense english is not their first language and when i ask what that means they just repeat and read the statement to me. its the first time i have ever been in this kind of situation, can anyone help me? i have been stressing, but was blown away when they quoted me for $330 to repaint, and do body work and buy a new wheel on $80,000 truck.