My auto insurance policy with Progressive was ceded to the North Carolina Reinsurance Facility. I have a clean driving record, no accidents, no tickets, no nothing in the 15 years I've been driving, but they told me that ALL of their policies in North Carolina were ceded after Hurricane Helene -- even though I don't live in Western NC. I've always carried coverage well above the minimum but my coverages are of course going to decrease significantly and my premium has gone up by a lot, as well. I'd like to switch companies, but I'm wondering if this has happened with policies across the board in NC regardless of company and that now that I've had a policy ceded, anywhere I switch will automatically do that, as well. Can anyone clarify how this works? Any other NC drivers run into this with other companies since Hurricane Helene? I really hope I'm not out of luck and can no longer get coverage above the minimum anywhere. I'm happy to switch companies if needed, but I also bundle with

Been on Sunlife LTD now for 6 months after surgery and resulting (ongoing) nerve pain requiring medication with side effects impacting ability to focus/concentrate seriously impacting my job. My doctor thinks I need more time for the nerve pain to settle but Sunlife had said it is time to start a rehab program (physio) which my Doctor sees as having no benefit at this time. Sunlife insists and says lack of compliance by me, even if under the guidance of my doctor, can jeopardize my ongoing benefits. They had sent the Doctor a note with their proposed plan and gave him a whole 2 weeks to agree or justify why not. He won’t be responding as he is off for spring break and has a huge patient load. If no response from him, Sunlife said they simply move forward. I am not sure how to proceed - must I follow their proposed (e.g. get this claim closed asap) plan without any consultation from my doctor or can my doctor propose a plan? And can they simply ignore my doctors perspective and/or simply move ahead if no response?

I was hoping someone might have some insight on pet insurance. I have a 2 yo pit bull who, in the last year, started limping. (At this point, we did not have pet insurance) In May of this year, we took him to our vet and they did X-rays and said most likely he has a partial tear in his ACL, however he couldn’t really tell in the X-ray because he wouldn’t stop wiggling for the pictures lol. Fast forward 6 months, he has a hard time getting around now on both legs because he’s over compensating with the other leg which I was told would more than likely happen. I plan to get the surgery for him asap. We got Pets best insurance a month later after his appointment in May and we are just about at the “6-month waiting period.” I’ve never dealt with pet insurance before. I am familiar with the fact they don’t cover “pre-existing conditions.” I fear that when we go back in January for a new consult that the insurance isn’t going to cover his surgery because we stupidly took him to the vet prior to getting insurance. I guess my question is, has anyone dealt with pets best insurance for this type of situation? How were they? Also, would anyone recommend a different insurance company? I know there are a select few that cover pre existing conditions. I feel like I totally screwed myself taking him to the vet for this before getting insurance. He’s only two and I refuse to let him suffer his whole life because of this. Thanks for any advice in advance. Picture for attention ❤️

Anyone has a good recommendation? My roof is 14 years old and existing insurance co. (Hippo) refused my claim...my current policy is insanely high with 5% deductible TIA

I have not enrolled in Trupanion but I am interested in them because of their direct pay options.. however I was chatting with an agent and I asked about prior history of colds or ear infections and she said that would be a pre-existing condition. She said it also depends on the record review. I asked for a contact to review my records and she said that can only be done after enrolling. I asked for a compliance department contact, and she said that isn't available for members. Can someone give me any insight to any of these statements? I'm getting different responses when I speak with different agents.

This happened in Texas, USA fwiw. Thanks for any opinions or advice. I did not purchase the rental company's insurance but did pay for the rental with my Chase Sapphire, which has good collision coverage. Dent in bumper not too major. The other driver clearly was at fault and in fact didn't even collect my info since we both knew it was her fault. I got all her info and now my rental company is *trying to get my insurance info*. I refused to give them my insurance info on the accident form when I returned the vehicle since I wasn't liable. Also I only have liability. The rental company, in their initial email after the accident did not mention whether they tried to contact the other person. What's my play? Should I contact Chase first and get a person for the rental company to contact or what should I do?

I decided to delve into my homeowners policy to understand it in more detail because of a current potential claim. I was amazed that the 30-page document that I had from Allstate didn’t include may details beyond our coverage limits. There were 8 “amendments” listed, but only 2 were included. After chatting with a customer service rep, it appears that the information I need is in the “policy jacket”. Amazingly, I can’t get an electronic copy and have to wait 5-7 business days to get a copy in the mail. So much for paperless.

I know I'm calling them first thing in the morning to talk with an attorney, but is there any advice for a situation like this? I owe them just under 14k, they personally gave me a settlement and I emailed it to them (5k settlement) but National Debt Relief never finalized on anything, and now they are suing me.

Trying to help my mil with her home insurance in FL. No prior claims and no flood zone. She contacted an agent who gave her a cheaper quote through citizens. We find out 6 weeks later there is still no policy. We call on her behalf and get a bunch excuses about internet glitches or something. Called citizens and they didn’t even have a record of the application. In the meantime coverage has lapsed and the mortgage company I guess has already bought its own policy. Finally last week the agent submitted a new application and just got a notice that it was denied for missing required documentation. Obviously we are contacting a different agent referred by a friend asap. But like wth? This can’t be normal right? What else should/can we be doing? Obviously this is very stressful for her going into hurricane season without a policy.

Has anyone had experience with this? My dog (German Shepherd) has never had any serious health issues — just some pretty nasty allergies. I signed up for Pet’s Best last December (when my dog was 5 years old), and I swear ever since I signed up, it’s been issue after another with her. First, in May she got SUPER sick, just GI upset, but we were back and forth from the vet for a week or two straight. I paid my bill with my emergency savings, Pet’s Best reimbursed me my 90% after the deductible, no issue. Then comes June. My dog suddenly was unable to jump onto the couch, into the car, etc. I brought her to the vet, got x-rays, and my claim was approved yesterday. They’re reimbursing 90%. Now today, I noticed some swelling around my dog’s anus. I’m waiting to hear from the vet on whether or not I need to bring her in today. I’m here panicking that Pet’s Best is going to think there’s some sort of fraud going on, and they’ll cancel my policy. I swear it’s not fraud, I’m just having the worst luck of my life 😭