We recently had to file our first homeowners insurance claim in the 6 years we’ve owned our house. We had a huge storm with 75+ mph winds and torrential rains, tornadoes etc. We randomly had the wood paneling in our living room (interior wall, other side is a bedroom) sustain water damage. It was wet and mushy and all warped. We want it fixed because we don’t want mold growing etc. roof is 4 years old so we aren’t sure how water got in. We also need a professional to figure out how this happened. Anyway, State Farm says it’s covered under our policy. We have a $3,000 deductible. They said they deduct the deductible from the money they send us for the repairs. We don’t pay it up front. (We are waiting for a callback from the contractor they helped us find). To me that sounds like if it’s going to cost $6,000 to fix they take off $3k and we only get $3k. My husband thinks we get the full amount for the repairs which makes no sense to me. State farm has to pay themselves the deductible. We had a total loss on a car last year and they took the deductible out of that and we got less money back for our payment. So that’s why I think we aren’t going to get the full amount (which is not going to be helpful we don’t have a ton of money right now). So anyone know who’s right?

My dog is 7, I've had her on Nationwide's comprehensive plan since she was 6 months old (they reimburse 90% for anything performed or prescribed by a vet after hitting $250 deductible), and of course I've heard the stories about older-ish pets on these old plans getting dropped without warning. I'm trying to prepare for us getting dropped, I'm just still very undecided as to our next best option. She has a history of bilateral ccl tears and we did tplo's on both legs. She will probably have arthritis because of this plus any potential hardware removal necessary (no problems so far, I just know it's a possibility). Besides that, she (knocking on all the wood) hasn't been diagnosed with any chronic conditions. I've been looking at AKC since they cover pre-existing after 365 days, and I want to get her signed up fairly quickly so we can start the clock on 365 days, plus I think I read that they don't take dogs on that plan 9yo and up. But even AKC's plan lacks a lot of the preventative coverage I have now, even with the add ons which do increase the premium quite a bit. I know i always have the option of putting my would-be premium into a hysa every month and just paying for everything myself. I'm just so scared of getting hit with bills that will outpace my savings. Has anyone else been in this situation and found a good alternative? I know I've been a little spoiled with nationwide, but I did sign her up early thinking I would have her covered for life. Thanks in advance!

I hope this info helps and would love any additional details anyone else may have… As I assume there are a multitude of others that are in the exact same (sinking) boat. Had ManyPets for 2 years. Used it and Loved it. Premium went up 223% this year when they announced the switch to Odie. Shortly after I sent an email disputing that increase, I got an email from both ManyPets and Odie stating that they had found a discrepancy and revised my premium amount to a much lower rate. THEN, days after, Odie went ahead and charged the Amex I had in file with ManyPets without authorization AND it was for an amount greater than they had originally stated. I have emailed them a dozen times over the last 2 to 3 weeks, tried to reach them on chat through the portal, and I've been calling every day. I've only been able to find two numbers that are intended for customer care: (877) 327-0471 & (877) 427-0471 I get nowhere with either one. Continuous on old music on one, dead air on the other. I contacted American Express, as I had my auto-payment with ManyPets set up with them (in hindsight, that was very smart). I created a dispute and they removed the AmEx card for future payments, but have started that I need to get someone on the phone or an answer via email proving they understand I wish to cancel. It sounds as though unless I can do that, I may be out that initial charge that hit on 1/3. The Amex representative did help me track down a third number he found listed on the Internet somewhere: (212) 645-2884. This is a New York number and is eventually sent to Voicemail for someone named Miles Darson. I've now called this number and left a message two days in a row. Still have no reply. I will say, I looked up the Odie office location on a map and it's very near the area in California where all the raging fires are going on. I can't help but wonder if that has something to do with this, but also can't imagine they wouldn't post information for all their clients or answer the phone and reply to emails. It appears as though they just took everybody's money and ran ... Happy that I was only charged once and was able to cancel future payments through AMEX, but even just on principle… I want my money back from the initial charge. Extremely infuriating.

Location: Houston, Texas On July 15th 2024, I was involved in an accident with a driver. It was a two-way street and I was at the middle crossing section ready to yield to the street I need to go. I noticed a driver coming out from the plaza and looked like they are waiting to cross to the street where I was coming from. Before yielding, I made sure no incoming cars and safe to go; attempted the yield. As I turned, the car from the plaza crossed the street and a collision happened where my front hit their side. Police was called but no report was made as they said it was minor. The other driver insisted the police to give me a ticket but they didn’t and sent us home after we exchanged insurance. After that, I did all my obligations with my insurance company and they denied claims from the other driver as they said it was not my fault and I had the right to yield. Fast forward to now, I received a paper said I’m being sued for personal injury but in remember the police asked the driver questions to determine if the driver need medical attention and the driver said no. I contacted my old insurance right away to inform them about the sue paper. I don’t know what to do from here.

How accurate does the quote be when “dealership” works with multiple auto insurance companies to get you the best rates possible. Family member (new driver), called Geico for a quote and was given a high rate. She went to a dealership to see a vehicle that she was interested and left the dealership with the vehicle. Her word was “the saleperson and the person that deals with insurance at the dealership was able to get her a better deal. I tried to tell her dealership just do their quote online and uses that to bait customers into buying the vehicles. Dealer: Geico- $1983 for 6 months full coverage Family member: (over the phone): Geico - $5,400 for 6 months full coverage Thanks for y’all feedbacks.

# Update: Solved! Emailing customer support directly did the trick! Cheers to the awesome customer service reps who took the time to dig through old files and find my old policy based on my very scattered recollection of what email address or phone number it might've been associated with. Lesson learned: keep records, even beyond when you think you'll need them! Hi r/insurance, I'm currently trying to track down Letters of Experience from all my previous auto insurance providers in the US (to lower the cost of premiums in a new country where I've yet to establish much of a history of driving experience). I called Geico, who was my first provider from \~2006 to 2010 when I first got my license, but the customer service rep I spoke with said that any customer information that old would have been archived, and she was unable to find me in her system. (For context, after 2010, I moved abroad and relied on public transportation, so had no need for auto insurance — hence why I'm jumping through hoops trying to track down such old information.) Has anyone run into this? Did you have any recourse for requesting files be unarchived and a Letter of Experience generated? Any suggestions appreciated!

We bought our home just outside the Twin Cities area in mid last year, and at the time our Travelers homeowners insurance premium was around **$1,680/year**. This year, our renewal came in at **over $3,300**. After some back and forth, I changed the deductible to match last year’s, but the total was still around **$2,800**. I contacted a few other insurance companies, and their quotes were all in the same \~$3k range. I was told that **all homeowners insurance carriers in MN increased rates significantly this past year**. Has anyone else experienced this? * Do you know *why* rates jumped so much in Minnesota? * Are there any strategies to cut this cost beyond just raising the deductible? Any insight would be appreciated. As a note, there were several homes in our area that had their roofs replaced about 2-3 years ago, because of hail damage or something like that, I would have imagined that it would have caused the price hike last year, not this.

Current policy holder for two animals since 2018. Aside from the constant increase in premiums… now that I’ve begun filing claims they are questioning the breed of the dog and threatening to double my premiums if I don’t validate a large mix breed vs a mix pit bull. Disgusted.

I got a MRI done two weeks ago. When I scheduled the appointment the staff told me they didn’t know the amount to be billed since my insurance is a high yield deductible and no copay. They mentioned that if I want to pay out of pocket without using my insurance it would be $500. Fast forward I received a processed claim from Aetna saying that I need to pay $920 and that the X-ray company billed them $1,200. Is there any way to reverse this? I feel scammed by both the X-ray company and Aetna. Can I fight back a processed claim?

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 ❤️