I drive a large suv and I was hit. The other party was 100% at fault. Their insurance company had me send in photos of the damage, and called me today with an estimate. He explained they will mail me a check for their estimate amount and that they will pay $25 a day for a rental. In my area the smallest economy car is $60 a day so what they are paying won’t even cover that. What can I do? I am in no way at fault and I don’t believe my insurance should pay anything

I have a pair of Sphynx cats—both female, spayed, and 1.5 years old. Right now, I have Trupanion for their pet insurance, and overall, I’ve had a good experience with them. That said, one of my girls had an allergic reaction earlier this year that required multiple follow-up visits, and the out-of-pocket costs for exams alone really added up. I reached out to Trupanion, and they said I’m allowed to have a separate wellness plan from another provider to help cover things like exam fees and routine care. So now I’m on the hunt for a solid wellness plan—mainly one that covers exams, vaccines, and most importantly, the annual HCM screening for both girls. Trupanion might or might not cover that since it’s kind of a gray area between diagnostic and preventive. I’m betting they’ll treat it as preventive, so I want a backup plan. Any recommendations for wellness plans or other insurance options? Every time I think I’ve found a good one, I come across a flood of awful reviews (though I know that’s just the nature of insurance). I do plan to call and confirm coverage details before signing up, and I’ll also ask if they can review my girls’ vet records to determine what they’d consider pre-existing. Thanks in advance for any suggestions!

I recently had to cancel my insurance policy within 24 hours, and I was charged a $12 enrollment fee. Dianna, a manager from MetLife Pet Insurance, mentioned that while they will refund the premium, the $12 enrollment fee is non-refundable and isn’t included in the premium. Just a friendly heads-up for fellow pet owners!

I have every option that was offered with Aflac through my job. What type of things can you claim? I feel like they are so vague on this. I’m trying to get money back for things if I am able. I haven’t had any SERIOUS hospital stays or such. But I know you can claim yearly for annual physical, also for pap smear under cancer screening to get money back. Not trying to scam or anything but it seems that unless I am dying or stay in the hospital then these policies don’t pay anything. Anyone know the ins and outs? Because at this point I’m just paying a lot to have a policy.

Hello Everyone, My car was hit from side by another person backing out in school parking. He accepted his fault and gave me his insurance and DL. Both of us have GEICO so thought it would be easy claim. When I put the claim, Geico reached out saying he has coverage issues and asked to use my policy for damage repair as No fault even though his policy showed active from 02/01/2025 - 08/01/2025 and my car being hit on 3/28/2025. GEICO mentioned it would be difficult in case person doesn't pay. How do I proceed, and what about the diminished value as GEICO saying if claim is put on my policy, GEICO will not pay Diminished claim. What are my options, can someone please suggest as car is just 1 month old. There is big dent on the passenger side. How can someone insurance shows active from Feburary but they will not pay. Appreciate your advice. Thank you.

So long story short, we have been with a smaller insurance company for 5+ years with home and auto. Our insurance rates keep skyrocketing with no claims/accidents/ tickets etc. With our current company our home and auto is $7900 a year. (Two cars) I decided to talk with a broker and they presented me with an estimate from travelers for the EXACT same coverage for $4000 a year. I mean, almost half for the exact same coverage? I find it hard to believe. I was planning on switching if the savings was more than $1000 anyway, but I don’t want to start the process and they’re like oh sorry it’s actually $7500 not $4000 lol.

The facts: I am a RENTER I Rented a unit in Chicago that is a fully furnished basement “garden level” unit Lease Term: 2 Months Fully Furnished Unit Day of Loss: July 7th 9 to 12pm Insurance: Assurant What the Insurance has stated: Please refer to your policy language: SECTION I – EXCLUSIONS Water Damage, meaning: a. Flood, including but not limited to flash flood, surface water, waves, including tidal wave and tsunami, tides, tidal water, overflow of any body of water, or spray from any of these, all whether or not driven by wind, including storm surge; As far as you loss of use per your policy language: If a loss by a Peril Insured Against under this policy to covered property or the building containing the property makes the “residence premises” not fit to live in, we cover the Additional Living Expense. At this time the preliminary findings for the cause of loss is not a covered peril. I will further investigate claim and follow up w/ you regarding the status. I also left a voice message on your voice mail. I read all of this - The Owner of the property that I am renting from said that the Plumbers Official Report was that the water was sewage water and it came from the toilets. For context the water rushing into my place was what woke me up and I woke up in a panic to put all belongings on spaces that are high enough for them not to be damaged. The unit has been deemed uninhabitable by the Owners insurance and I do not have a home at the moment. AS of today my hotel stay has ended and I am down about 2k for trying to staying here. Any help would be greatly appreciated as I do not want to be homeless in less than 24 hours.

I was a USAA member for 18 years, 15 of which with a good driving record. For a 11 of those years I served in the US Army, with 10 combat deployments to Iraq and Afghanistan. I was awarded the Bronze Star, among other honors. I was discharged honorably. After the military about three years ago I was going through traumatic personal issues and often drove distracted. During a 12 month period I was in a series of low impact auto accidents. Two of them were just backing into somebody’s fender in a parking lot. However 6 months after the last accident the computer at USAA determined I was too high risk and without providing any kind of appeal process sent me an automated letter informing me they would no longer cover me. I called and I was informed that there was no appeal process for the computers decision. The computer didn’t request my military record, nor consider my driving record for 15 years prior to that, and the humans at USAA would only listen to a computer that doesn’t understand nor care about context or give credit for military service. I was informed that there was no human being capable of overriding the computer’s decision at any level of the company. I’ve tried every major insurance company, and all of the minor ones that I can find, and they all use the same computer algorithm. I was never impaired. I didn’t hurt anybody. I’m not required to be on an SR 22. I have a valid drivers license. .. and I cannot get auto insurance. Recently, I did find two places that would insure me, .. for $2000 a month.. I have been unable to work for close to a year. Soon, I will lose my house. Does anybody know of any insurance company where human beings are still allowed to make their own determination? Is there any way to get commercial auto insurance through an LLC that doesn’t require my driving record? Is there any way to challenge my driving record, or have it improved? Or anything that I can do to convince the computer, or any person I could talk to at the state level or in the private sector that might be able to help me? I’ve tried everything I can think of. I don’t know where else to go. Thank you in advance 🙏🏻

Hello kind community. I am trying to make a decision for our 7.5 year old sweetheart. So, we have been on Pet's Best since she was young as my wife was able to get a discount through her employer. At 5yo, our dog suffered a bout of IVDD stage 4 and needed a hemilaminectomy surgery. (came in to something like 14k and we maxed out our 5k coverage.) The surgery went great and she recovered relatively quickly with the help of a lot of alternative therapies. Unfortunately, when we signed on for Pets Best, we did not opt for RAC care (rehab, acupuncture, chiro) We didnt even know this was an option at the time, it would have been a massive help had we had the RAC, so tip - OPT FOR IT no matter what, or make sure your provider covers this. Pets do SO well with "alternative therapy". Since the IVDD, we have been regularly seen by a vet who specializes in holistic offerings. She receives acupuncture and laser therapy and it keeps her in really great shape. She is about 80% to where she was pre-IVDD, but if we go to long without the acupuncture, her mobility dips some. These visits cost about $275 each. She also developed an eye condition (Keratitis & Keratopathy) about a year and a half ago, and has been seen by an eye specialist to reverse and retard the condition with eyedrops with great success. At this point they only want to see her 1x/year. Latest note from this vet reads "She has no active keratitis, controlled (if anything, improved) corneal pigmentation, and is otherwise normal on exam." Pets best has been paying our claims for these visits. The only other claim we've submitted was for getting a foxtail pulled out of her ear canal. \* So, Pets Best sent us a notice of a 2x increase in our premium, leading us to look in to switching to see if we could get something better. Through this wonderful community I came across Physicians Mutual and am feeling like it will be a better option, and that even if we end up paying more we could be in better hands. My fear, however, is that in the switch, anything related to her eyes will be seen as pre-existing. It would be great to get that yearly eye specialist covered but I understand that it may not be if its related to the keratitis. But in the future if she develops cataracts, ulcers, etc in her eye, could it be denied? **My main question**, is related to her mobility upkeep. Would we be able to get acupuncture + laser covered under alternative therapy, as "preventative care" instead of having it tied to the IVDD? Its unclear in Physicians Mutual's documentation how they provide/decide for alternative care. She has not had any incidents related to IVDD in 2.5 years, but there is always a risk that it could show in another area of her spine later. Does anyone here use Physicians Mutual for Acupuncture, or has anyone here successfully added RAC care to their Pet's Best policy post-incident? I feel that even without her history, as she ages we would be opting for regular acupuncture and laser as her primary preventative care. Any insight is greatly appreciated, thanks everyone.

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