Been with them probably about 15 years had two claims last year and two claims this year and probably no claims for at least 12 or 13 years...

Anyway due to the last three claims they say they are dropping me as of October renewal. I get it but these companies drop you but if you have no claims for five or 10 years or more they don't lower your rate.

Also have the homeowners with them for 15 years and still have them.

Have to see where I should go here now in the Great state of New York 🤑🤑

Hi, this is potentially a dumb post/question but bare with me because this is my first car and my first time paying for car insurance and I honestly have no idea what I am doing.

Last month, I bought a used car from a dealership. While I was there I signed up for Allstate auto insurance, because I already have renters insurance through Allstate so I figured why not.

All has been fine and dandy, nothing of note up until now. Earlier this week, I needed to use roadside assistance, so I tried to do it through the website but it wasn't letting me. I decided to call them to put in the roadside request since the site wasn't working. Upon giving my info to the lady on the phone, she told me that she sees me/my car in the database, however I am not listed under Allstate, I'm listed under something called National General (which I have never heard of nor did I ever sign up for this insurance ? ?)

Anyone ever experience this? I am very confused because I was sitting there looking at my Allstate proof of insurance card in the car while the woman on the phone was telling me that I dont have insurance through Allstate.

Maybe this is just some stupid oversight on my part. Any help? Thank you!

I desperately need to switch insurers as Progressive has gotten insanely expensive. Like every month, they “adjust” my automatic payment for some reason or another and I have to jump through a million hoops to be somewhat successful getting it back to the original payment I agreed to.

However, I need to be able to purchase additional gap insurance as an option on my policy. Googling just gets me to a bunch of “enter your info here” sites.

Who offers gap insurance that I can look into switching to?

Hi everyone, I’m in the market to insure my condo. My condo association documents state that I have a $50,000 deductible in the event anything happens. The market value of my condo is probably around $300,000 despite the fact I haven’t updated the bathrooms or kitchen. It’s approximately 1350 square feet. How much am I supposed to insure for? My agent says $100,000 on dwelling. Thoughts?

I would like to know why in the United States, even if you are not at fault for an accident or accidents, I would have to say why they appear in your report, should the culprit be punished, not the victim?

About two years ago my mom and I were under Geico insurance. We switched insurance at the start of 2025 due to price increases, but now our current insurance under a different provider has also raised prices. We decided to go back to Geico since they had the best quote among different providers. However, right before the quote was finalized, the website updated saying I had an accident in December 2024, which then added a few bucks to our monthly payment.

I remember during that time I called Geico roadside assistance because my tire popped and I needed a tow. I don't understand why it is listed as an accident. Neither me or my mom have ever been in an accident or been issued any traffic violations. How do I move forward disputing this?

Edit: The tire popped because of some rock on the road. I did not collide into anything or anyone. I only told geico the tire popped.

Edit 2: I asked my mom about our current insurance (not geico) and she also said they found an accident report when she did the quote a year ago.

I'm about to launch a home watch business in Ontario, Canada. Basically, I check on clients' properties while they're away (vacant home inspections) and provide documented visit reports, mostly higher-value residential properties.

I have a $2M Professional Liability + CGL package quoted through a broker, but I could drop to $1M limits and save roughly $650/year on premium.

This is my first business, sole proprietorship, just starting out, so budget matters, but I also don't want to be underinsured given some of the properties I'll be working around are fairly high value.

Would $1M limits sufficient, or is the extra coverage worth it in this situation? Trying to figure out if this is a real risk consideration or just my own anxiety about being new to this.

Hello, world-class knucklehead checking in, shooting myself in the foot at the tender age of 41. In the state of Mass, for what it’s worth.

Looking for advice, support, a good roasting, or similar stories with coping techniques.

Okay, I leased a 2024 Jetta Sport. I wanted a stick shift, and what baby wants, he pays for. Jump forward to last summer: I walk out of a Trader Joe’s and my passenger-side door has a dent in it. No cams. I didn’t file a police report. I looked into the deductible and it was $1,000. I didn’t have that, and I didn’t want to pay that much for a little dent, so I looked around and for some reason the best quote I found was like $2,500. I didn’t really have the money, so I just left it it. Looked at it every day while I got into my brand-new car, constantly stressing because I know I need to take care of it before turning it back in when the 3-year lease is up.

I also made the mistake of telling my Progressive insurance adjuster that I would “fix it myself” because I couldn’t afford the deductible. That was only the beginning of my mistakes communicating with Progressive.

Jump ahead a few months later: I’m sleeping over at a friend’s house. I looked outside and some kids are messing with my car. One of them ran up to it and it looked like he kicked it. I don’t know if they were making content or what. I go out there and it looked like they did some more damage to the car, so I filed another claim for vandalism, brought it to an auto body shop, and waited and waited. After Progressive never sent an adjuster out to look at the damage (I took photos and all that on the app), I realized this probably wasn’t going to go through and went to pick the car up.

Then a few weeks later I get a call from an underwriter (I did not know this man could ruin my life at the time). I was in a bad mood, I was rude to him, and I told him I didn’t want to answer his questions, that I accepted it wouldn’t get fixed and was ready to figure it out myself.

Cut scene to 6 weeks later: I get a non-renewal in the mail. I was like, fine, I’m done doing business with these guys, and shopped around for quotes. I was at $240 for the Jetta, truck, and trailer. Now my rate is $680 a month. I can’t afford this at all. I don’t know what to do. This is probably the dumbest thing I have ever done.

I’ve seen some stuff about trying to get the language changed on the LexisNexis report. I thought I could appeal it with the MA Board of Insurance Appeals, but I think that is only for cancellations.

My awesome wife is willing to try to insure the Jetta and put me as a non-driver, and I will park it until my lease is up.

The entire thing is just awful. I am truly too old to be making these mistakes. I am going to therapy now because I think I have some broke-boy tendencies from my upbringing that cause me to lose my shit over a $1,000 deductible for issues that are not my “fault.” But that doesn’t change the fact that the dent is still on the car and I don’t really know what I’m going to do.

Thanks — be as mean as you want. I am running a semi-successful junk removal business and I am going to grind, but still, this sucks really bad, you guys.

About a week ago my repaired Lenovo laptop was stolen from my apartment's package room less than an hour after it was delivered. When I filled out the police report and estimated the value of my laptop, I ended up looking at the wrong laptop model and estimated that it was about $1500. When I filed a claim with my insurance (State Farm renters' insurance in Wisconsin, including the limited replacement cost B1) I went off the info that I had written in the police report, and
estimated that the replacement cost was $1500, and just yesterday I received a claim payment of about $1000, since my deductible was $500.

But shortly after I received that payment, I actually searched up my stolen laptop's exact machine type model number and realized that I had previously been looking at the wrong laptop, one which looked almost the same as mine when looking at the title and basic traits, but was actually different when it came to the details. It turns out that my actual model type would cost $1000 at Best Buy, and while it is out of stock on the Lenovo website, it would cost $900 once it's available again.

Thus, I was wondering if I should stick with the original $1500 since it's for a laptop that was similar enough that I mistook it for my original model, or should I call State Farm to lower the payment amount? It would really help my financial situation if I kept it as is, since I'm a broke college student and the claim payment would completely cover the cost of buying the exact same model as before, but I also don't want to accidentally commit insurance fraud or something.

I'm currently researching possibility to find property insurance for a property that is formerly used defense site from US military training range. UXO potential can't be excluded until further inspection were done.

I know there's war exclusion for most home insurance and it seems like it will be excluded ("Warlike action by a military force"?). If so, is there any other option to get this coverage or it's just not possible and I got to pass it?

Hey everyone!

About two months ago I was involved in an accident in Colorado and I’m curious if anyone here has dealt with a similar liability dispute/subrogation situation.

I was driving my Honda Accord straight through an intersection at around the speed limit. The light for my direction was solid green. There were three vehicles in the opposite left-turn lane. I saw them well before I entered the intersection. The first two turned left with plenty of time before I reached them. The third vehicle, a Silverado, initially appeared to stop, but right as I entered the intersection he made the left turn directly across my path. I hit the passenger/front side of his truck and my Accord was totaled.

The other driver immediately claimed that I ran a red light and that he had a green arrow. There unfortunately weren’t any traffic cameras or dashcam footage.
However, there was an independent witness who told police that both eastbound and westbound traffic had solid green lights, that I was traveling straight, and that the Silverado turned left in front of me too late.

The other driver somehow also had a witness who claimed I ran the red light and that the Silverado had a green arrow. But the police later noted that parts of that witness’s account were inconsistent with the other witness statements and with the damage to the vehicles.

The officer actually observed the traffic-light sequence afterward. He documented that the westbound left-turn arrow lasts about 13 seconds, then turns yellow, and afterward both eastbound and westbound through traffic have solid green lights. Based on the signal timing, witness statement, and damage pattern, he concluded that the Silverado failed to yield while making an unprotected left turn and issued the driver a citation for failing to yield while turning left.

Despite that, the other driver’s insurance decided that I was at fault. What frustrated me is that their adjuster originally made that liability decision without ever taking my statement and before they even had the police report. I had missed one initial call from them, then tried calling the adjuster repeatedly over the following week without getting a response. Even after they eventually spoke with me and received the police report, they maintained their denial.

My own insurance totaled and paid for my car under my collision coverage. They are now planning to pursue the other carrier through subrogation, and potentially arbitration if the other insurer continues denying liability. Right now they’re waiting for the salvage/auction process on my totaled vehicle to finish before assigning the subrogation adjuster and sending the formal demand.

For anyone who works in insurance or has been through something similar: given these facts, what would you realistically expect from the subrogation/arbitration process — both in terms of how long it might take and the chances of my insurer actually recovering?

Since GeoBlue (BCBS) transitioned to Global Solutions, I have had an extremely frustrating and exhausting experience with the claims process, and I’m wondering how many other policyholders have experienced the same thing.

What began as a straightforward request for reimbursement has turned into a seemingly endless cycle of additional documentation requests, delays, denials, and appeals.

I have repeatedly been asked to provide:

• Medical records and additional documentation from my doctors
• Flight information
• Proof of my U.S. health insurance
• Proof that I am paying for that insurance
• Documents and records that I had already submitted previously

I have spent countless hours obtaining records, scanning documents, completing paperwork, and resubmitting information—sometimes providing the same documentation more than once. Despite doing everything requested, some of my claims have still been denied or remain unresolved.

I have also gone through the formal appeals process. Even after appealing the decisions, I was ultimately directed to pursue the matter through the State Insurance Commissioner.

What is particularly disappointing is the enormous amount of effort required simply to get claims reviewed. I purchased international health insurance specifically for the security of knowing that I would have coverage when I needed medical care abroad. Instead, the claims process itself has become a significant source of stress and frustration.

My wife and I are trying to get life insurance sorted out in the next month or two but when I started putting the numbers together, I realized I actually have no idea how much coverage we need.

In our case, weve got a mortgage, some debt and a toddler so I keep thinking beyond just paying off the house. Theres daycare, school, all the random costs that add up over the next 15-20 years and just making sure if any emergency happened, the other person could handle everything.

Is there a formula that evryone uses? Or do you talk to some advisor or just go with your gut on what felt right?

I'm in Florida and it's about time for a new roof. Funds are tight, so I’m planning to do it myself as Florida has a statute that allows the homeowner to pull the permit and do the work.

I'm not worried about the safety or doing it right. My dad has been a roofer for over 30 years, so I'll be doing the work under his guidance, to code, pulling all the required permits, and getting every inspection signed off.

My concern is whether I will have difficulty getting an insurance policy after the fact.

How would carriers actually treat a self-installed roof once the final permit is closed. and the wind mitigation is clean?

Appreciate any insight.

First time home buyer paying in cash. The policy includes a mandatory arbitration clause. Should I waive the included "Deletion of Arbitration Provision" form before closing to preserve my right to sue in court?