So my driving record is pretty good, all of my scores are at 100. Last month in June, I was getting on the interstate and had to pick up speed quickly so I got marked for acceleration and cornering. Those 2 events brought me down to 60 something from 1 time. Usually after I have an event, it doesn't take long for me to get back up to 100 as I don't like to accelerate as quick. It's been over a month with no other events and it won't go up. I drove yesterday and my score was 89 for acceleration and 88 for cornering. After my 3 trips I checked the app and hour later and it went up to 90 and 89. This morning I get back on and it dropped both to 88 even though I haven't driven since yesterday. I called 3 customer service lines and my local state farm representative and I'm getting the run around. My 6 months discount is for August so I'm wondering if it's doing this intentionally so I don't get as big as a discount when I'm up to 100 for everything.

My employer is putting our retirement funds (and a very nice match) into a TIAA Group Retirement Annuity account. I really don't want my money in an annuity, but there are no other options through their retirement plan, and the match is too good to pass up. Barring a major incident, I will likely work for them until I retire, and I don't anticipate taking the annuity upon retirement because it won't be enough to live on. Moving money out of a GRA takes 10 years, and I don't think I can start that process until I leave the company, leaving me in a potentially bad spot for up to 10 years after I retire. Does anyone know if I have an option I'm not seeing? I am putting money into an IRA as well, but not nearly as much, and I anticipate the bulk of my retirement savings will be tied up in this idiotic GRA.

Hi everyone! I'm looking for some insights on my cat's insurance costs. I've been with Trupanion since my cat was 3 years old, and she is now 7. The premium has been increasing nearly every year, and I'm currently paying $106 per month with 90% coverage and a $0 deductible. She's been relatively healthy overall, just dealing with early-stage osteoporosis, which we're managing with weight loss. Thankfully, no other major health issues. However, the one time I submitted a claim, my vet had to intervene because Trupanion was reluctant to cover costs that were supposedly included under my plan. Given these details, does the price I'm paying seem reasonable? Also, if anyone has suggestions for more affordable insurance options in Canada that still offer reliable coverage, I’d love to hear about them. Thanks for your help!

I submitted a property claim months ago (homesite, Colorado) and it has been agonizing with many moving parts. Most recently, the work is done but the restoration piece, which is covered, has not been paid out so I am missing floor, walls, toilet is in the tub, furniture is all over the place, etc. it has been like this for over a month. The challenge is that my adjuster had to send the claim out to a third party, and the third party can not talk to me directly. They have even told the company doing the work on my house to stop forwarding and ccing me on emails from them. So every time I call my adjuster (the one with my insurance company), he is kind of unsure where they are in the process because he is not them, basically. But then if I check in with the contractors, they haven’t even heard from either adjuster. I am wondering if this is normal and if there is anything I can do to get clear answers from someone. It has been very “he said- she said” games or telephone for weeks and I just want my stuff fixed.

In May, I rearended another vehicle. My fault, I'm a dumbass. The damage was to my left front bumper, which was pushed back into the tire, the left front fender, and left headlamp. At the scene, the truck was not drivable due to the bumper being pushed into the tire, so I called a tow truck. The tow driver showed up and offered that rather than towing, he could hook his winch to the front bumper and pull it out to make the truck drivable again. I was good with that plan and it saved money for the insurance company on the tow bill. A couple days later, I take the truck to the insurance company's DRP shop. I told them all of the above. A couple weeks go by, I go to pick the truck up. They fixed everything EXCEPT the left fender, saying that the damage was unrelated due to a "soft impact". No one from the insurance company ever called to discuss. In reality, the fender looked dented in from partial reformation when the bumper was winched out. But again, no one ever called for the partial denial of damages and just left it to the body shop to tell me. So I filed a DOI complaint citing the lack of investigation by the adjuster. The DOI rep never called me but closed the case, stating that the insurance company did nothing wrong. The DOI letter cited the appraisal clause in the policy, however, at this point I'm more angry about the lack of communication and investigation by the adjuster as it was very shoddy and incomplete work. I also don't think hiring an appraiser would be particularly effective in arguing related damages (but maybe I'm wrong?). I don't think I'm able to sue over damages due to the appraisa clause in the policy but would prefer to sue for bad faith. Or maybe I should just walk away and pay to have my fender repaired? Anyone have experience here or ideas on what I should do?

I have TD auto insurance. January, I got into a ditch and called towing service. However, at that time, I had no idea that I could simply submit a towing reimbursement. So I called and opened a claim. Adjuster provided me an email address for towing reimbursement. No car fix was required. Now upon renewal, TD claims that getting into the ditch is an accident claim on file even though they paid 0 dollars on it. I called multiple times and they got me to the underwriting department for a final review. How would this go? Anyone has similar experience? What can I do if they still refuse to see me as accident free?

I have recently had a 117% premium increase from Embrace. One of their justifications was the state I lived in, CA. I’m curious what other states have had such egregious increases ( regardless of company).

Good afternoon, I was in a car accident in December, 2024. OP was found at fault within 24 hours of the claim being submitted, however, it took over 2 months to have my car repaired. My insurance company only covered 30 days of rental coverage and I paid out of pocket around $600 for the additional days needed. I submitted a claim to have that reimbursed and my insurance company stated they are filing an Arbitration. Is this usual for this case scenario? How long do these usually take to resolve? State Farm is OP's insurance and I have Amica.

I just bought a SFH with an attached JADU and an ADU. When we get our insurance through AAA we asked for landlord insurance since we would be renting out the main House and JADU. We are living in the ADU. The agent put us down with coverage and told us this did not cover belongings in the rentals. I am confused about what kind of insurance he gave us since AAA called us back and told us we need to talk with a specialist for landlord insurance. We also have a 2M umbrella policy. What insurance should I be asking for exactly to get this correct?

Hello, I doubt I can do anything about this but I'll ask anyway. My broker automatically froze my account yesterday because I supposedly made a large amount of orders (less than 10 a day on average). The average of those orders were positive so I'm unsure why the amount matters, not like i was losing money. I had an ongoing call that I was keeping waiting (hoping) for the price to go up and placing puts as the price was decreasing, so i was slowly making back the unrealised loss (and I did more than make up for it before tariff struck). Anyway, yesterday I tried to place a put but noticed my account was frozen, asked why and the help center told me the reason above and that it was there to protect me. Anyway, tariff happened today so the earlier mentioned call escalated in price which triggered their automatic order closure when the account reaches 25% of its value. Since my account was frozen i was unable to place a put to stop the fall in price and such. They did prevent me from placing a put just before the tariff struck yesterday, and while it was happening. So i was wondering if I could ask them for any sort of compensations or if I should cry. the broker is trading 212 just in case. Location: France