Hey everyone. Need some insight from anyone who can chime in! So I am with Allstate Insurance. I had a collision with my truck (driving slow, hit a patch of black ice and my truck goes right into a transformer box(those green boxes that you usually see somewhere in a residential area ) and my truck is totaled. It’s been 2 months since I’ve filed the claim and I’ve basically heard nothing since. I have been calling 3-4 times a week, leaving 2-3 emails a week. Basically nothing. Just curious what should I do since it seems like claims never should take this long?

Hi all. Looking for guidance on what to do with my HSA. My employer used HealthEquity for our HSA provider. From what I have read, they are an abysmal option given their high fees in comparison to other providers, like Fidelity. So I have two questions: \- Would it be wise to rollover my HSA from HealthEquity to Fidelity? (At least the amount that I want to invest.) I know there is a rule that this can only be done once in a 12 month period, but I really just want to invest a lump sum at a lower fee. \- This will be my first time investing my HSA. Should I treat it like a regular investment? What do you all typically invest in, i.e. ETFs? Appreciate your help.

Hi I would like to hear your thoughts on Wawanesa Insurance? Plan to switch from AAA to Wawanesa. AAA double my insurance, no accident or traffic ticket. Please let me know. TIA.

We were rear ended by an uninsured driver. Had to file with our provider which is USAA. Today we got the repair estimate and the car is being deemed a total loss. All it needs is a new rear bumper and an exhaust. Repairs after our deductible are $700ish. Looks like the payment to us is $280. We're freaking out a bit. His car is older. It's a 2010 Foed Escape with 150k miles. We knew it wouldn't be worth much but $280? After searching around in our area, they are going for around $3k. Is there anyway for us to keep it and fix it ourselves? My husband is a mechanic and can get all this fixed for less than $700 easily is there anyway to do this without getting a salvaged title? If not, what are our options with insurance coverage moving forward? We cannot afford to buy another car right now.

This year, my Farmers umbrella policy for 2 mil coverage premium increased from 1000/year to 3880/year. We are in California. Have umbrella/home/auto (2 cars, 2 drivers) with Farmers. My son is 22 and has an accident on his record from 2.5 years ago. He has his own car titled in his name. His car is insured on my policy. What would you do to lower the umbrella insurance cost? I am really struggling here. If he gets his own car insurance, can I be sued for an accident he causes since he is a dependent on my taxes? Thank you for any ideas.

I am 24, and I got my license at 19. In the past 3 years I have had 3 accidents, 2 of which the car was totaled/not worth repairing. We have Geico, and to renew the plan with me on it they’re charging is about 8k per 6 months, or about 1300 a month. When my dad tried to shop around, the only other company willing to take us on with myself as a driver was Progressive, and when all the details were filled out they wanted to charge us even more. Since I am a member of the household with a license, I have to be on any car insurance plan he gets. We have two other cars, so selling my car wouldn’t impact my dad. I was thinking that after selling my car, I could use the money to pay for ride-sharing. Also: if I turn in my license now and try to renew it next year, will the premiums go down or stay the same?

I am low income and know others in same position who use Key Insurance Company. I usually pay on the due date (no grace period) as my disability arrives a few days before due date. I went to pay online and you couldn't. A lengthy statement covered web page stating company in rehabilitation. No policies (they are month to month) would be renewed nor new policies issued.Statement dates 3/3/2025. I saw it evening of 3/8 as it is due by 3/10 I had two days to find new insurance at a price I could afford. I alerted two others I knew used Key, and they did the mad scramble to get new insurance. One didn't make it and that's a $250 fine from DMV. We were given no notice. I am sure many others didn't make it or are paying too much in their rush. Do you think we can sue for lack of notice?

Location: Washington state, US I have a structured settlement with Navient from 2020 that keeps my payments at a specific rate for the duration of the loan. With the transfer to MOHELA processing payments, they have not been charging me the correct amount. I have notified the contact that I’m required to coordinate with several times. She has responded each time but it has not been fixed. I have only been submitting the agreed upon amount which means I am under paying and also cannot set up auto pay. I’m concerned this could impact my credit, but also if I miss a payment the settlement goes away so I really want to be able to autopay. What can I do here? Are there any legal repercussions from their side of the agreement if they keep over charging me? Or is this just my burden to deal with?

No claims in 12 years with Allstate. Hear their home claims are a nightmare. Hear good things about Amica. Carry homeowners, 2 autos, and an umbrella. Would cut my auto insurance half but double my homeowners leading to a wash prior to the amica dividend payment. Couple questions: What do you use to calculate your replacement cost for a house? Do you make any changes to that calculation if the policy has an overage waiver? My Allstate is 20% and the quoted amica is 30%. Any reason to carry additional structures if I don’t have a fence or our buildings? Any others to look into for insurance? With amicas rates in auto, it could make sense to break out my homeowners if we don’t choose to bundle.

Hi all, I am in need of advice. I'm not sure if this is the most appropriate place to ask. Ive had Embrace insurance for my two kitties for a year now. For one cat, it's amazing. For the other, Daisy, it's been kind of a nightmare. I had to increase her coverage midway through which restarted the medical review. That was my first big mistake, because while I knew it would come back with a temporary exclusion of a one time ear infection, I did not expect a permanent exclusion for ALL SKIN MASSES including cancer. Now, yes she has a small polyp on her outer ear that has never been diagnosed officially. It has been told to me by multiple vets that it's not a big deal and to leave it alone since shes had it since she was 2 and it was harmless. So when I saw that exclusion, I went through her medical records and found that I mentioned to the technician that she had a "growth" in her ear that was not impacting the ear infection, and my statement was put on the official medical records despite the veterinarian never putting it on her notes or as a diagnosis. She had one diagnosis: ear infection. A two month long appeal process would ensue where no one asked me anything despite me sending my specific concerns via email to the vet about wanting it known to the insurance it's not a cancerous mass, it's a polyp and it should not exclude all forms of cancer. The insurance would only speak to the vet who obviously had more important things to do than to deal with insurances, so it took forever for this process to come to a conclusion. The vet had no record of the mass, other than my statement to the technician, and ultimately that's what she told the insurance: There is no diagnosis of a mass and she has never noticed one on my cat. The insurance concluded that the mass didn't exist and officially documented the rescinded exclusion. My next mistake: I didn't say anything after because who would?? After a nonstop, 2 month, constant back and forth to get everyone to work together, there was a solution so I shut up and let it go for peace of mind. Now I feel absolutely f*cked because the polyp needs to be removed because she wont leave it alone and its turned into a deep cut that doesnt heal. The technician today wrote that she's had it since she was two and it's officially been diagnosed. Its a benign polyp, it's been biopsied after the appeal. Im so afraid to keep her insurance or submit a claim now in case im now "withholding information" or being fraudulent. I never denied she had a mass, I just denied it was anything more than a polyp and that's what I was trying to fight. What do I do??? She gets it removed tomorrow. Im afraid this being found in her medical records will impact future claims and I won't be able to move forward with removing any other temporary exclusions like the ear infections. I also have another cat on the policy who really needs insurance and im scared if they drop her, they'll drop him too. If you got to the end, thank you for reading this 🩷