Was on family vacation when burglars robbed our home and ran away with our jewelry and watches adding up to $49K. Insurance (AAA) denied claim and paid $2500 for sub limit and for damages to the home adding up to $6K. I did not realize we were supposed to appraise each item, until this episode. I had a personal property coverage of up to $150K. Any guidance on how I may recover more here?

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

I recently had to bring my 8 year old Alaskan Malamute (no pre-existing condition) to the vet 3x this month and wanted to share our experience with PetsBest. Here is our coverage: **Unlimited Annual Limit, $500 Deductible, 10% Co-Pay, 90% Reimbursement Level, "Elite" Plan** Members October 2023 = $1,297.20/year or $108.10/month Renewed October 2024 = $1,567.80/year ($1,175.85 paid so far) or $130.65/month Total paid to insurance as of June 2025 = $2,473.05 **June 6: 1st Emergency Visit** I brought him in due to a nasty hotspot on his tail. He had to be sedated for the clip and clean and was prescribed multiple medications (gaba, traz, steroids, antibiotics, and animax). He was also given a Cytopoint shot for $240. Total: $881.92 Not Covered: $6.00 (Hazardous Waste Disposal) Deductible: $500 Co-Pay: $87.60 Reimbursed: $288.32 *Claim took 2.5 weeks to process* **June 22: 2nd Emergency Visit** Started having diarrhea and throwing up June 20. Became lethargic. By June 22, he was on 3 days without a meal and chronic vomiting and diarrhea. Doctor did a Full Panel (CBC, Chem 17, Lytes) & Ultra Sound to rule out underlying causes and blockage, administered fluids to rehydrate. He also needed to be sedated during the Ultrasound. We were able to take him home with probiotics, anti-nausea, and antibiotics. Total Cost: $2,513.34 Not Covered: $119.48 (Hazardous Waste Disposal & Probiotics) Co-Pay: $239.38 Reimbursed: $2,154.48 *Claim took 2 days to process* **June 23: Picked up Appetite Stimulant from Vet** Total Cost: $270.62 Co-Pay: $27.06 Reimbursed: $243.56 *Claim took 2 days to process* **June 25: 3rd Emergency Visit - Overnight Stay at the Vet Hospital** He was on day 5 without food, we were unable to consistently give him medication because he couldn't keep anything down. At this point, he was very very lethargic, stayed in bed all day, and was still having diarrhea. We were starting to get really worried as he has started to lose a bunch of weight. Doctor concluded that he should stay overnight as they will need to administer medications and fluids through an IV, feed him through a tube, and do an x-ray. Recommended diagnostics included fecal testing and cortisol test. We were able to pick him up June 26: His cortisol came back normal, ruling out Addison's disease. Fecal Testing came back Negative. Total Cost: $4,776.24 Not Covered: $18.54 (Hazardous Waste Disposal) Co-Pay: $475.73 Reimbursed: $4,281.97 *Claim took 2 days to process* **SUMMARY** Total Costs: $8,442.12 My Out of Pocket Costs: $1,473.79 Insurance Covered: $6,968.33

Homesite Insurance I bought my condo five years ago and have Homesite Insurance (according to my recent research, this is not good…). I just filed a claim with them about what my plumber suspects is a faulty toilet wax ring which has caused water damage in the condo unit below mine. Chances are my bathroom will be out of commission for a bit. My question is this: has any one had at least a neutral experience with Homesite? Any tips on how to make sure they do what they’re supposed to? I’m doing my part by brushing up on my insurance policy. Any advice on how to avoid delays is greatly appreciated! I guess I’m just looking for a little hope, lol. Thank you!

Location: Ohio I’m an Avis presidents club member and been an Avis preferred member since 2018. I travel a lot for work and haven’t hardly any challenges with them. I typically rent 25-30 cars a year from them. Last time I rented was in January with no issues. Two weeks ago I booked a car reservation only to have it get cancelled. I tried several more times only to have the same thing happen. I called the customer service line was told a bunch of reasons why each time until I was able to speak to a tier 2 specialist who had to work some magic to get it scheduled. I picked up the car with no issues and was on my way. Last week I booked several reservations as I’m traveling for work this week. Same thing happens. All of them get cancelled. I’ve spent HOURS on the phone trying to understand why. No one was able to help me. When the rep tried to book the reservation over the phone they aren’t able to. I finally spoke with a specialist who escalated and called me today to give me a broad statement that my name was flagged for legal matter so this is why the system wasn’t allowing me to book. She said she didn’t she didn’t have any more specifics. I’m completely surprised by this as I’ve never had any legal issues isn’t my life and I’m not banned from flying or renting from other agencies. My question is has anyone ever dealt with anything like this? Do you have any recommendations on how I can get this cleared out? I’m reaching out to find out who at my company has a contact at Avis but now am very worried that I’ll be stuck without a car on the road this week. Thanks for your help.

Hi, I cancelled my policy with Allstate on July 29th after paying my July 1st bill with my next bill date being August 1st. Cancelled my renters and auto in one swoop through the online chat, though next day I realized they hadn't cancelled my auto. Only my renters, I contacted them again. They backlogged the effective date for the auto to the 29th as the renters was. I already thought they were trying to get an extra payment out of me there, hoping that I wouldn't catch it... The reps on chat assured me that I wouldn't owe my next payment on the 1st since I cancelled my policy previous to the payment date. The next day I checked to ensure the auto cancellation went through and it did show effective so I went ahead and turned off auto-pay. Next day there is a charge on my account for $302. Today I had the time to call so I called Allstate. First rep asked me some questions and then put me on hold for 40 minutes, only for another rep to answer. Second rep told me that my bill has been sent to collections and gave me the number to call. I called collections and they haven't received anything due for me.... I called Allstate again.. Last rep told me that the extra $302 was due to the cancellation of auto-pay on my already cancelled policy.. Also stating that technically my due date without auto-pay would've been on the 18th of each month, which she said if i hasn't have turned off auto-pay they would've owed me money. This is genuinely not making any sense to me and feels like a gigantic scam. None of the reps at Allstate are willing to waive my balance due to an incorrect charge. Do I just wait for the bill to hit collections and then dispute it? What can I do about this? I'm also infuriated that I spent in total two hours on the phone for this.. lots of misinformation all around and no resolution.

I’m buying a car tomorrow and don’t have auto insurance. The only company that is offering the option for next day insurance in my state is Geico. I’ve heard it’s horrible and would like to shop around more but need insurance to take the car off the lot tomorrow (obviously). Can I pay one month for Geico and then cancel the policy once I find something better? Planning to work with a broker. Thanks for the advice. I haven’t owned a car in 10 years (lived in a walking city) so am trying to figure this all out.

About 3 months ago, I got in a car crash where the car got fairly significant damage (I oversteered into a tree). I notified both the local police department and Hertz about the crash, got incident reports from both, and moved on with my merry life (after getting a replacement vehicle from Hertz). I got emailed a request to fill in a vehicle incident report from Hertz, which I submitted the day of receipt. Now here’s the thing: I didn’t have any insurance from Hertz, relying on secondary insurance from my credit card. I don’t own a car, so there’s no primary auto insurance to speak of. My credit card insurance provider requires claims to be submitted within 100 days of incident for them to consider them, and they require a statement of claim from the rental agency in order to submit claims. I’ve gotten crickets from Hertz in this respect the past two months…and I’m concerned that they won’t provide me with paperwork in time for me to appropriately file the claim. I was *considering* sending Hertz a polite but firm letter using certified mail asking them to provide me with a statement of claim in a timely manner in order for me to proceed with this claim given that I don’t want to wake up to a $20,000 bill from Hertz in half a year or something that my credit card insurance policy won’t cover. Is this a good idea? If not, anything else I should consider? I’d appreciate any advice! Jurisdiction: the car was rented in Virginia with a New York drop-off. The crash occurred in Virginia, and I’m a New York resident.

Just switched to an android from iphone and when my battery gets low to 15 percent, I get a notification from the Plymouth Rock App that "Trip recording is suspended." It also says low battery is preventing Plymouth Rock from recording trips, this is genuinely scary as I never set up anything with them to record my trips. I gave them a call and they said that my account doesn't have it set up so they're not sure why. Anyone have an idea why it would say that?

I’ve used Embrace for over 11 years for my 4 pound chihuahua. Overall, it was a great experience. Dog is mostly healthy, has had 2 knee surgeries, but that’s it. I have cap on amount 15k per year, and an affordable deductible….until now. Just got notice today that they are upping my premiums 107% per month next year bc reasons?!?!? It’s now a small mortgage w/o explanation or justification. Has this been happening to anyone else? Is this increase legal? Is there anything that can be done about it? Insurance sucks in general, but seems extremely predatory to take my free money all these years, just f me when my boy, who could easily live to be 20, gets older. Almost begging me to cancel the policy.