We have home & auto bundled with the agency of the credit union that holds our mortgage loan. Every year, they wait until the last possible time to send our annual escrow payment over to the insurance broker. So much so, that we get warning letters from the mortgage holder that they will have to get insurance for us at whatever rate they can get it because we have not made our payment on time. I think the agent is getting more interest on our annual payment by letting it go 1 month past the due date. Is that a normal practice? We are never late with our monthly payments that combine mortgage and home insurance together. We have an outstanding credit rating (800+). Am I wrong to be furious with the insurance agent/agency? What can we do? I am kinda afraid to look at other options. We trusted this agency/Progressive to take care of us. On another note, our auto coverage has ballooned from our initial rate when we first switched to this agency. We are two retirees who drive about 3-5 miles a day locally for errands and to pick up and drop off a grandchild at preschool. We've had 1 total loss in 2022 on a 2003 car that was hit by a deer ($2,600). I checked with our 55 year old daughter. She pays less for her home & auto coverage with AAA. I want lower rates and better service, but I don't even know where to start. I'm afraid that I will make a mistake and lose everything by being undercovered or taken advantage of. I thought Progressive was the best. Help!

like many others, I was just hit with a huge increase - more than double - for Healthy Paws. we do have pretty significant monthly spend (thank youuu environmental allergies), so I wasn't likely to cancel completely, but I decided to run all the options for 90%, 80%, and 70% coverage through chat gpt, including my set monthly vet expenses. it gave me a detailed explanation for why insurance is still a good idea for me, and which option specifically would save me the most money. for my scenario, it ended up being 80% at $1000 deductible. just a suggestion in case youre not sure what your next step should be.

I was on the freeway heading out to go camping. I was going 0 mph. The van behind did not stop and smashed into me between 20-30 mph. I have a rear camera on my truck that showed him looking at his phone. I also recorded as soon as I got out of the car of him admiting to not stopping. My car insurance (GEICO) gave me the option to go through them or the person that hit me. The van was a Xerox van. Their insurance is called American Way. I called them the day of and gave the police report. They said they use a 3rd party called Sedgwick. I paid 30k for my truck less than a year ago. 10k of that was because of all the add ons. The other insurance company said I have to wait 5 days. The rear of the frame on my truck is facing the ground. I’m not sure about the rest of the frame. Most of the people I’ve talked to said they will probably total it. I’ve also retained an attorney in my area for bodily injury. I work from home but, can’t sit at my desk for more than an hour. I’ve been seeing a chiropractor today and retained the attorney today. They said it will likely take 6-9 months and would settle between 20-40k. This is only for medical. Does this seem normal? Will I be able to recoup the loss on my truck for the extra 10k ? It KBB blue books for around 20k but, I paid 30k. I also had my Yakima box on the back and paddleboard which were destroyed. My own insurance said even if I use them for the truck I will still have to use the other insurance to recover the loss on my things that were destroyed and if they repair my truck for finished value. After 20 years of driving I’d never had a fender bender. Should I just go ahead and use my own insurance? Sorry for the rant.

I bought a brand new 2025 Kia K5 a few weeks ago. I financed it through Kia Finance. I temporarily unfroze my credit to do so. It has been a few weeks now, and I have received two letters (one from Wells Fargo, the other I forget) stating that my request for a loan was denied because my credit is frozen. I think Kia Finance is trying to sell my loan and they cannot. What should I do? Is this going to cause a problem?

Was driving on the freeway and a ~2 inch rock came out of their un-tarped trailer and hit my windshield at about 65 mph. They did not have a rear license plate visible. Front registration plate was orange and I believe it to be an Oregon apportioned truck plate. I was not able to get a clear picture of their plate. I spoke to our state police and they gave me a case number for insurance purposes. Went to file a claim with Progressive and it turns out my deductible ($500) is more than replacing the windshield ($388) so they just recommend I pay for it without insurance. Shouldn’t the other truck’s insurance be paying for this?? I don’t know what to do other than pay for the replacement out of pocket and hope to make contact with the other party’s insurance after the fact. He wouldn’t stop as I tried to get his attention but I was able to take some pictures… on the side of the rear trailer is a logo for “The Shaw Group” and some sort of identifying number (T1210xx… censored for this post).

I was in an accident back in April. At the time I did not have insurance on my car. The driver who hit and totaled my car admitted fault. Since I didn’t have insurance at the time I contacted their insurance company(Corvel) myself. After 2 months of constantly calling I was able to get in contact with an agent and she was able to compensate me for the car damages and towing charges. She later said she would take care of my medical. I was supposed to gather my medical records from the day of the accident and my medical bills and email them to her. I sent them back in the beginning of June and have not heard back since. Ive emailed and called and have heard nothing. Is this worth pursuing or should I just call it a day and be grateful for what I have received?

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!

Back in August 2024, I rear-ended a 2024 Nissan Rogue, which then bumped into a Toyota RAV4. The damage seemed pretty minor at the time—both cars were able to drive away from the scene without any issues. I had $20k in property damage liability. Today, I got a call from Geico saying that the initial repair estimate for the Rogue was $3k, and they already paid out $3k for the RAV4. But now, months later, they say a new assessment came in after further inspection and the Rogue’s repair cost estimate is actually $14k. They also mentioned they covered rental costs for the Rogue. It’s been 7 months, and I’m just confused—why the huge jump in the estimate and such a long delay? Is this normal? Feels a bit suspicious to me. Geico also havenot told how much i have to pay out of pocket. They said they called me just to let me know. I am stressed and worried. What should I do?

Hi, I am really lost and in need of advice. I was involved in an accident where my car had to be towed away (edit: to a combined autobody & tow shop). Because the airbag deployed, they were assuming it would be totaled, and Progressive said they were coming to pick it up to evaluate the damage themselves; not allowing the body shop to give an estimate. (edit: 2013 Kia Optima) I was told by Progressive that the driver at fault carried the minimum property damage allowed by the state of Maryland and he was "afraid we were nearing that limit since they paid $5,000 to get my car released from the tow lot." My car was there for 1 week (8-5 thru 8-12) and I released it to Progressive on (8-8), they just didn't pick it up until today, 8-12. I thought that was a crazy amount, so I called the tow yard(edit: combined tow yard/body shop). They claim Progressive did not pay them a dime. The body shop only received a check from a salvage company (which I didn't (at least knowingly) authorize, and they don't even have proof of the title in my name.) The tow yard (edit: combined tow yard/body shop) is claiming that even though they got a salvage check, that shouldn't affect the amount insurance should pay me. Does anyone have any additional information or advice? Is this just a "he said / she said" situation? TYIA!

I had an MRI arthrogram ( contrast for hip labrum and joint) and it was coded 27093, 77002, and 73722. And then the pharmacy drugs. My insurance is trying to bill this a surgery as they say code 27093 is under the surgical code section in the CPT guidelines. Normally I would have 100 percent coverage for any outpatient clinic ( non hospital) MRIs. My insurance says even though this was not done at a surgical centre or with a surgeon ( only a radiologist), they can charge me as if it was a surgery and therefore also charge the radiologist as surgeon fees. Does this make any sense at all? That way they say I have to pay 20 percent of the whole package of MRI ( 73722), Radiology diagnostic ( 77002) , and the local anesthetic used by the radiologist prior to the iodine injection ( 27093). So even though my work insurance normally would cover radiology diagnostic and all imaging at 100 percent, they say because of 27093, this is now a full blown surgery and only covered at 80/20 rather than 100 percent. Is this true? I will post in CPt code section.