So I did away with my previous wellness plans and went with Metlife insurance. At first they were great approving regular visits quickly and I was reimbursed quickly. But I've noticed since before December now they take extremely long to even assign the claims and then review them. It always seems like I have to reach out to them in which they always need the Doctors notes before they will approve anything. My pupps have gotten ear infections, ruptured glands, and upset stomach with diarrhea this year and it has taken several weeks and phone calls to get the claim processed and a couple I am still waiting on. So I am thinking of canceling them. Would love recommendations of a better company with a better app as well.

Hi everyone- a lady hit me with her car and 2 others. There is a limits issue and the insurance adjuster said i MUST go through my insurance to fix the car. I don't want too - I would rather just get what I can and fix the rest out of pocket. The insurance adjuster said there's nothing I can do until hear from your insurance company. Is this true? They will 1. Not give me any money at all. 2. I HAVE to go through my insurance. My car is under my parents insurance and I don't want to touch their stuff. I don't care if I'm not at fault. This was only temporary until I got my own insurance.

WA So this is kind of a long story but I really need some advice. In 2011, I was active duty stationed in Everett, WA. My shipmate was at the casino and called me to come pick him up because he was drinking. His car was on the naval base and I was living in the barracks. He left his key on his tire and told me to find it and come get him. I picked him up and then rear ended a car. He gave the cop an insurance card and everything was dealt with and we left the scene. He later told me the insurance card was from 2 years previous and he couldn’t believe the cop took it and let us go. He didn’t have insurance on the vehicle. We then went on a 6 month deployment and I never heard anything more from the situation. I got out of the navy and went back home to Michigan in 2014. Some time in 2014 I received papers for a court case adjudged against me. I didn’t understand how this went to court and I was never notified or able to give my side of the story. Regardless, I planned on filing chapter 7 bankruptcy if they came after my wages. They didn’t. I heard nothing more until today. I got a letter from a law group representing State Farm insurance stating I owed 99k and it needed to be paid within 6 months. 14 years after the accident occurred! Do I have any options at this point besides filing bankruptcy? Thanks in advance for any responses. I’m stressed out beyond belief. (I’ve never owned a vehicle without insurance on it and I wouldn’t have drove that one if i knew it was uninsured.)

I got the preventive care option which meant I had a 0 day waiting period for accidents and preventive care. My dog got his teeth cleaning and, preventive anesthetic bloodworksoon after. I submitted the claim but the denied it, saying it was an illness. He never had an illness for it bwfore and didnt have any symptoms for the bloodwork. Can I appeal? Please help it was $1500

Found an insurance for my mother who is not the US citizen that is relocating to the US to continue with diagnostics and treatments for cancer since she can't continue in Ukraine die to limited options. She's got a b1/b2 travel visa. I had a fake insurance purchased before, not I think I found something legit but not sure. Any suggestions? Marketplace company heightenedhealthinsurance got me a AetnaCVS Health insurance that qualifies her for a good coverage considering her status and pre-existing condition. Is it possible?

I've had a Hagerty policy for about 4 years on my B5 S4. For context, I live on Long Island, NY. Around December of last year I made a decision to remove the insurance and plates from the vehicle due to other priorities in life. Over the years, my annual policy rate typically ranged between $600 to $720 with an agreed upon value of $15k. Deductibles were $500 and property damage / bodily injury was set to $100k/300k with supplemental at $50k. The time has come to get insurance and plates for the car, again. I got a quote from Hagerty yesterday and it came up to $2370 per year! The policy was configured identically to the last quote I received for renewal in February of 2025 which was quoted at $719 for the year. My driving record, credit score and address is the same. I called up to have someone review and validate that I have configured the quote criteria exactly as the recently canceled policy. The Hagerty rep confirmed the policy configuration and was also shocked by the difference in the quote. She mentioned that there was an increase recently to all NY issued policies but she did not have any other value added info. Do any of you fellow redditors have a recommendation for a specialty vehicle policy with other companies? I filled out an additional application with Grundy that is currently under review.

So I've had Embrace for a year now, and just discovered my monthly rate went up a whopping 40%. So I called them, and they said they raise rates for ALL policy holders on average 25-35% every single year. Ive had no claims. No changes in anything whatsoever. My dog is only 1 year older, now years old. There have been no changes in my state, and they can't attribute it to inflation. So screw that. I don't see how thats even legal to raise that much each year. That means in 4 years, I'd be paying more for mediocre pet insurance on 1 dog, than I pay for all of my insurances combined.

Just switched from Embrace Pawprotect to Trupanion... Can't seem to find an app for it in the google play store. What kind of insurance company doesn't have a mobile app in the year 2025? 😭

Hello, I'm in Oregon and hoping to get some insight on receiving a non-renewal notice on my homeowners insurance from Progressive due to a wildfire risk score of 21 (out of 50). How is the wildfire risk score calculated? A wildfire risk map and assessment released by Oregon State University show my property as being in the low risk category, so receiving this notice of non-renewal is a little confusing. Thank you for any insight you can provide.

My girlfriend received a collection letter last month about an outstanding AllState Insurance bill she does not believe she owes. Following my advice, we sent a debt validation letter to the collector, using a template we found on the cfpb (consumer financial protection bureau) website. The response from the collector did not make much sense to us. They essentially said "we need more information from you to provide the info you asked for. You also didn't provide any info to dispute the debt"....which is not what we were trying to do. Does this response mean they do not have the information to validate the debt? Or did the template we used not do what we expected? Is the next step to file a complaint with the cfpb as [this](https://www.consumerfinance.gov/ask-cfpb/what-information-does-a-debt-collector-have-to-give-me-about-the-debt-en-331/) page suggests, or do we just ignore this and go on our way? By the way, this isn't affecting her credit yet. **First two images are the validation letter we sent. The last image is their response:** https://imgur.com/a/EWyOVfO