Is it even legal for Healthy Paws pet insurance to increase premiums at almost 200% in CA? This is outrageously high!! Anyone experiencing the same? #healthypawspetinsurance

My car was totaled at the beginning of July, it was the other drivers fault and she has Fred loya. I have been completely out of a car for 3 weeks and I can’t get through to anyone. I don’t know what to do. The car isn’t worth a lot, it’s a 2005 Subaru Outback, but in my area (Colorado ) I should get at least $4,000 for it, they offered me $2,200 and after I sent a bunch of comparables over they’ve been ignoring me. I have 2 jobs and I go back to school next month, I need a car. Any advice on how to get them to pay attention to me? I’m pretty poor so getting a lawyer feels out of the question, but I’m also getting desperate. Thank you in advance

Hello. I have mapfre insurance. I had a minor accident 2 weeks ago and submitted a claim on March 27th. They had me take pics of the damage(front bumper damage) I got my estimate from their electronic appraisal. I dropped off the car at an in network shop on Sunday, March 31st. That Monday the shop submitted a supplemental appraisal to have someone to check the car to approve more funds to get the car fixed from insurance. Since then there has not been an appraiser to come check my car at the shop. It’s been a week and it’s beginning to get frustrating. I was told many different stories on when an appraiser will come up until on Thursday an appraiser told me there was an issue in their system that prevented them from assigning an appraiser. I was told this past Friday that one has been assigned and will call the shop to schedule an appointment. The damage is minimal and the shop can fix the car in 2 days but can’t proceed without insurance. What are my options to make sure they have someone come on Monday? I’ve been without a car for a week and it’s been difficult to get around. Would love some advice on this issue!

I am looking to start renting my home in July when I move out of the country. I'm very confused on landlord insurance, though, and would love some help understanding it. Everything on Google says landlord insurance should be cheaper than homeowners insurance since they don't cover the personal property, but from my one quote so far from Allstate it's also looking like they don't cover the actual property either. What is $66,500 going to do for me if my house burns down or gets sucked up in a tornado? (Quote at the bottom) It just doesn't seem logical to me. The lady on the phone said something about requiring renters insurance and that THAT would cover the rest of the property should something happen, but is that true? I am a worrier beyond worrier, and want to make sure everything is protected, especially since I'll be in a different country. Could anyone help me understand what I should be looking for/asking for/quoting for? And what should I be requiring for the renters insurance? I have an insurance broker getting me more quotes at the moment. I just don't want to make the wrong decision and end up getting 1/3 of my remaining mortgage should something happen to the house. 😩 My 1 quote so far: Dwelling Protection $66,500 Premium: $1,390.47 Liability Protection $200,000 per occurrence Premium: $15.00 Premises Medical Protection $5,000 each person Premium: $9.00 Personal Property Protection $5,000 Premium: $5.03 Other Structures Protection $6,650 Premium: Included Fair Rental Income Selected Premium: Included DEDUCTIBLES All Peril Deductible $1,000.00 Estimated Total 12-Month Premium* $1,419.50

My policy just renewed this month, my overall policy went from $2300 to over $2800. I had an accident back in 2023, very minor rear end tap. (I was at fault) the other party didn’t bring litigation against me until 2 months before the statute of limitations went up this year in april. My insurance company did pay out the settlement, and I was told I did not have a surcharge from this incident, and that if my insurance was to go up from this accident it would have happened in 2023 when the accident occurred. My insurance company (USAA) informed me of a state-wide increase being put into effect and that this increase on this renewal was only a portion of the overall increase. I’m just very confused, and unsure how it would increase that much if it wasn’t from this prior accident, and my driving record outside of it is totally clean. Been with this ins company for 6 years now, and I don’t want to switch as i’ve enjoyed it thus far but feel like I have to now that i’m being priced out of it. anyone in massachusetts have any insights?

I got an advertisement from my insurance, UHC sent to my email about a program called Real Appeal. The title said “Reach your weight loss goals now, at no additional cost” so I signed up and made an account. It looks like UHC denied the claim and I now owe $162.23. I set up a Teledoc appointment but missed it before looking at my claims (my mistake I know). I missed the appointment and haven’t rescheduled. I’d link the email given but not sure how.

Location: Arizona Was in an accident and Farmers client was at fault. I had borrowed a car but had to return it. My insurance company offered a total loss on my car that was being repaired which I accepted but I had to rent a car while I looked for a new one (which took a week ) Farmers is refusing to pay for that rental because they said they are not legally obligated to pay for anything after the offer was made to pay for my old car. Is this correct ?

Basically my ex lied about his dog who was his sister’s first. She has been insured since she lived with me with my ex. I put her under my GSD’s policy and I’m glad I did once she was abandoned lol. Anyways, Lemonade uncovered her past medical records that I didn’t even have. Due to this, they tried denying an entire claim, which included a new illness. I kept escalating it and finally they agreed to cover some items pre-existing and agreed the new illness was to be covered. You won’t be able to argue everything but don’t be afraid to keep pushing back if you disagree. I made them keep the case open for 6 months until it was correctly resolved. Also, Lemonade does have a phone number.

hi all. i have been a silent observer of the subreddit out of curiosity due to me and my partner recently adopting a kitty. We got him on a trupanion plan via chewy pretty quickly after we got him because we thought it was the financially responsible thing to do for him. When we got him, he had a bit of a URI and we thought it would resolve on its own. However, with no improvement being shown after having him for a little over a month we took him into the vet. Unbeknownst to us we were still within our waiting period for our insurance to kick in. We didn’t think it would be a big deal, we knew we’d have to cover this visit out-of-pocket. However, our vet noted during that visit (though unrelated to the cause of the visit) that our boy had some pretty noticeable gingivitis going on. After an extensive amount of anxiety on my end, I had my partner check in with our insurance. I had a terrible feeling about his coverage. now, after being three days short of our waiting period being over, gingivitis is now on his list of pre-existing conditions. We pay extra for dental coverage through Trupanion and now I am absolutely spiraling that we won’t ever be able to get any of his emergency teeth concerns covered. i was the one who pushed to take him in, i was so worried about his URI. and now i just feel incredible guilt. we insurance to make sure he would be taken care of within our means, and i feel like we failed him. all i can see is racking up dollar signs for his upcoming dental appointment we scheduled after hearing about his teeth from our vet. i don’t know if i’m looking for advice or comfort, but i just wanted to know what y’all thought.

So, how do you go about selecting a breed when buying pet insurance when you have a mutt? I did a DNA test on my dog and she's like 2/3 Cattle Dog and Chihuahua, and then 1/3 3 other breeds. I bought Pumpkin Insurance and selected Mixed Breed 11-25 pounds (she's 22 pounds and shouldn't get any bigger). Here's the kick in the pants- I asked what to do if she gets more than 25 pounds. They said, well, they won't accept Mixed Breed and they base breed on vet records. Why...why do they even have Mixed Breed as an option, then?? It's going to cost me an extra $136 a year to change her to a Cattle Dog Mix. It frustrates me because my dog weighs 10-27 pounds less than the average ACD. I can still cancel Pumpkin, and I'm tempted. But will it be any better with any other company? I assume they all operate the same way.