I have TD auto insurance. January, I got into a ditch and called towing service. However, at that time, I had no idea that I could simply submit a towing reimbursement. So I called and opened a claim. Adjuster provided me an email address for towing reimbursement. No car fix was required. Now upon renewal, TD claims that getting into the ditch is an accident claim on file even though they paid 0 dollars on it. I called multiple times and they got me to the underwriting department for a final review. How would this go? Anyone has similar experience? What can I do if they still refuse to see me as accident free?

I looked online for a quote for pet insurance and the people at RSPCA have called twice already trying to get me as a customer and when I say no because I wanna look around at other options… they ask if I wanna sign up until I change my mind and then cancel So annoying Does this happen to anyone else ?

I had horrible customer service experiences with United Healthcare this past week. Horrible enough that I want to send a complaint to the appropriate people. I have unsuccessfully searched all over for an email address - I can't stand the thought of another phone call with them. Does anyone know the email address?

I've had a health insurance policy for my mother with ICICI Lombard since 2007. The recent premium was ₹70,000 (including GST) for a sum insured of ₹3 lakhs + ₹3 lakhs bonus, totaling ₹6 lakhs annually. For the past few years, I had been meaning to port the policy but never got around to it. This year, I finally managed to do it—moved to Care Insurance. The new plan offers ₹10 lakhs sum insured with a 50% increase each year, covers pre/post hospitalization, existing diseases, and even includes a few more benefits. And all this for a significantly better premium of 51000 (inclusive GST). After I initiated the port, I got a call from ICICI Lombard asking if I wanted to renew. I politely informed them that I had ported to Care. As expected, they started with the usual pitch about how ICICI is better than Care. When I still didn’t budge, the agent had the audacity to say: **“Lagta hai aap yeh premium afford nahi kar sakte.”** (Translation: *Looks like you can't afford this premium.*) Really? Is this how some insurance companies try to manipulate customers—by playing on their ego? Anyway, I'm glad I finally made the switch. ICICI may want to revisit how their customer support operates.

I have Allstate currently, paying ~$300/month for bare minimum requirements on financed car. Final payment was just drafted, and they sent me renew documents. New monthly premium will be almost $400/month. No accidents, incidents, new drivers, nothing. Everything is exactly the same as when I started the policy. Why would it go up so much? I expected an increase but I feel like this is a lot. I’m a fairly young driver (22) with a newer vehicle, so I know that’s a factor, but I simply can’t afford to pay that much. Is it going up for everyone?

Hi reddit, Today I found out that my pet insurance through Nationwide expired in October 2024. I received ZERO notice. No emails, no letters, no alerts. I only realized after trying to submit a claim for last night’s emergency vet visit for my dog Walter and saw the policy was not active. I haven’t needed to file a claim since July 2024, so I wasn’t logging into my account regularly, but I had no reason to think coverage wasn’t active. I’ve checked everything (inbox, spam, physical mail, account notices/documentation) and there was no warning at all about the “expiration”. I’ve already contacted Nationwide and I’m waiting for a response but I’m an anxious person and looking for any advice or insight while I wait… Some context: -I’ve been a Nationwide customer since 2020 (originally for my hedgehog, RIP) and since 2022 for my dog. Any time there was a payment issue in the past I would receive multiple alerts and I would resolve it same day. -There WAS a payment issue August 2024 which I fixed immediately and I confirmed AUTOMATIC payments were reinstated. I have documentation of that. I recognize I’m privileged to be in a position where I don’t have to closely monitor every transaction, so I wasn’t regularly checking my bank statements. I know that’s not everyone’s reality and I say that not as an excuse but to add context. I’m really upset. I genuinely thought Walter was covered and now I’m dealing with a vet emergency completely out-of-pocket. I’m also panicking that he may no longer qualify for a new plan with his pre-existing conditions that developed while he was covered. Has this happened to anyone else? Were you able to appeal, get reinstated, or have a claim approved retroactively? And for anyone with legal knowledge, do I have any rights if I was never notified that my policy had ended? Thanks for reading if you got this far. I’d really appreciate any advice. TL;DR Found out my Nationwide pet insurance expired months ago with zero notice. Had autopay confirmed active after a payment issue. Facing an emergency vet bill with no coverage. Looking for advice, experiences, or legal insight on whether I can get coverage reinstated or claim paid retroactively

Hi Last month I bought an older truck after having it 2 days it stolen from in front of my apartment in SE Portland OR. I filed a cliem, the car was recovered, YAY! Not so fast. The adjustor decided the car was not worth repair. Progressive called the leinholder and they decided to total the car. As a person that used to be a mechanic I wanted the car because I could fix it for less than 1500. When I called the lender I was told, "it is better for me and better for you". The lender is wanting me to pay the difference between the orig loan amount and what insurance pays. My position is, the lender take what is offered, apply it to the balance and I continue to make the payments. He will get his money, I'll get the car and we are both happy. The issue is, I didnt have the chance to explain that to the lender (buy here pay here lot) the decision to total the car was made without speaking to me about it. What are my rights?

Hi guys, I used to have Healthy Paws for my cat but wasn’t happy with the service or price, so I switched to Embrace about 3-4 years ago. My cat is now 5 and her current coverage is: $5K annual limit, $1K deductible, and 80% reimbursement. Recently, they denied a claim for a mass removal on her nose, citing a 2022 note about a mass on her thigh—which my vet believed was just a mild reaction to a vaccine that was administered the week prior reaction that resolved on its own (EXACT same location as the vaccine). I’ve submitted a request to review the claim and re-evaluate that pre-existing condition. This is the first time I've had to disagree with their assesment of the bill, and not sure how that will go. But now knowing that they won't cover any masses (including cancer) because of this makes me anxious. This made me reconsider Embrace, what pet insurance do you all use, what’s your coverage like, and how much do you pay monthly? Any recommendations for an insurance that would cover future masses (including cancer) even though she had a "mass" in 2022 that was most likely just a reaction to a vaccine lol.

I am 21 and the oldest “dependent” on the insurance aside from my parents, we are under Molina/Medicaid. We are a family of five, with 2 minors in the home, our ages are: 50s, 50s, 12, 16, and 21(me). My parents file taxes together for a sole proprietor business that they own. Earlier in the year, we renewed are insurance and everything went smoothly and we opted to enroll in the system where Molina automatically enters your tax information for you that they receive from the IRS. My parents typically make ~80-90k combined, but after business expenses, taxes, and bills, they only bring home 30-40k a year. Basically, our family lives off of the 30-40k, NOT the bigger number. This hasn’t changed at all in the past few years, nor has it been an issue for our insurance. However, this year, we received a notice in the mail that none of us are eligible to stay on the insurance and that our insurance ran out on March 31, 2025. While I’m planning on calling Molina soon, I did see that it states that we made nearly 90k, when that isn’t the case. I think this may be an issue from the automation system not taking the accurate data for us. Does anyone else have similar issues or can explain my situation? Edit: my parents’ adjusted gross income is 30-40k for those who may be confused. I’m sorry if I didn’t clarify earlier Edit 2: I figured out the issue. I got off the phone and it turns out they never received our tax info, so we have to reapply. We’re planning on visiting our county insurance office and they just need some proof of income. Thank you for the comments!

I was in an accident that wasn't my fault (other party received a summons), I called my insurer (state farm) to report it and begin the repair process. I was told by SF rep that I shouldn't have called them. I should have gone directly to the other party's insurance so I wouldn't have a claim on my record. I'd always thought my insurance company just worked it out with the other company. Am I wrong?