Was in an accident 2 weeks ago, brand new (to me) car and havnt even made the first payment. the at fault driver had an expired "limited term" drivers license. after police report and information exchanged i have been given the runaround by his insurance claiming that they cannot reach him for a statement so they will deny and close the claim. is this even legal? do i need a lawyer like right now? Thank you everyone for the replies, sounds like i was overthinking alot of this. proceeding with my insurance company to let them go after him or his insurance company and just have the car back.

I'm currently on Healthy Paws for my 4 year old mixed breed (40 lbs). I was living in Illinois and it was 55$, but moved to Minnesota and its now 75$. Ive considered switching for a cheaper price, and because I have seen a lot of reviews here that the prices for Healthy Paws have exploded. Originally I was considering Pets Best but also saw a lot of reviews that they have gone down hill. So here are my questions 1) I have seen Chewy offers lemonade or trupanion in my state, and both seem to be well regarded. Why would I get the insurance through Chewy vs direct? 2) My dog definitely has seasonal allergies which I've been getting the cyto shot for. This falls under a pre-existing condition right? Would it be worth it to stay on Healthy Paws just for this? 3) If I did switch, there can be waiting periods for 2-4 weeks, so should I keep HP for an extra month while waiting? 4) Are any of the add-ons recommended? Ive seen that preventative is probably not, but Lemonade mentions vet fees, dental, end of life, behavioral, physical therapy... Would other insurances already include this?

I’ve had liberty mutual since i leased my Jetta in 2021. My rate was $145/month until jul 2023, when my coverage renewed and then it increased to $197. Then increased again to $225 in jul 2024. I called and spoke to an agent to ask about the increase and they said it had nothing to do with my credit and that rates were simply rising across the board… In 2022 I had a small fender bender with someone while parking, my insurance covered it i think. I never followed up with my insurance to see if they actually filed a claim. In 2023 my car was side swiped by someone parallel parking and they left a note and their insurance covered the damage and repair. But that was the only accident i had. No speeding tickets, but i did have many parking tickets (my city is brutal). Now I’m wondering if I should shop around, but seeing other peoples posts im not sure if $225 is even that high rn? My credit score is 759 and I make $72,800 a year before tax.

After spending Friday with my 5 yo shihpoo in the ER with newly diagnosed IVDD, I went to submit my $600 claim only to discover my Wellness policy that I have had for the past 5 years was “expired”. I contacted Nationwide today and was informed that the policy is “no longer carried in your area and you need to reapply”. Now my dog has pre-existing conditions. I don’t remember receiving any correspondence regarding this (my policy was on autopay every month and canceled on May 1). Anyone else in a similar boat? I know Nationwide has been discussed ad nauseum, so my apologies if this is redundant.

I have had a policy with lemonade for nearly 2 years now. They have been pretty decent about instantly approving a claim but my first one was denied a year ago due to a preexisting condition they swore up and down was listed in my dog’s history, that wasn’t. After a denial and appeal, it was still denied. I ended up dropping the fight with them on it. Now, my dog has a cyst that is needing removal now, but was discovered before I put him on insurance but the vet has deemed it needing to be removed now - then, they weren’t worried about it. It is mentioned in his health history with the vet, so I fear they will label this a preexisting condition as well. But lemonade told me via phone that they would do a reapproval, but after sending in the estimate - I was met with this.. can someone help me understand why the value of the estimate matters more than the type of service requested to be approved? The estimate is $1,306. I’m so PO rn. The estimate literally says it is for a surgery. I would understand if it was a normal appointment and under 3.5k.. Like I literally do not have the funds to do the surgery without knowing I won’t get reimbursed. Is this normal with other carriers?? 🙃

Hey all! Boot me if this isn't the right sub for this, but I wanted to see it anyone else had experience with a situation similar to mine with their AAA pet insurance! Our 18mo Chocolate Lab at a squeaker and needed emergency exploratory surgery after X-rays confirmed a blockage in his small intestine. Some of his intestine was pretty banged up and he ended up having 2ft of bowel removed and resectioned. He then required 36hrs of clinical care after the procedure to ensure he headed in the right direction. This all happened pretty quickly and although I had read my policy completely beforehand, I forgot to seek pre-approval for his care. Their language is a little loosey-goosey about emergency situations, but they do specifically say it is 'required' for surgery, hospitalizations, and claims over $2,500 - this event ticks all three of those boxes. Wanted to see if anyone has had their claim successfully approved in a situation similar to mine, having not sought pre-approval and it being an emergency surgery and hospitalization situation. ANY feedback is helpful! Thank you & pic of the pup who lost to the squeaker and will be toy free for life for tax!

My grandma has a dog and we helped her get insurance for him a while back, but her dementia has progressed quickly and pretty dramatically so my mom has taken over his care. (My grandma lives with my parents so she’s always had a big part in his care but now my mom has him full time). We have Lemonade. My mom told them what was going on and they said they could add my mom as a co-owner, but then she couldn’t make adjustments or any changes to his policy. Otherwise, she would have to cancel his account completely and start a new one under her name. She wanted to cancel it and start it under her name since sadly my grandma will not get better and she wants to add dentals to his plan, but he did have anal gland issues this year and lemonade said that if he has anal gland issues in the future they would no longer be covered under my moms plan because they would be considered a pre-existing condition now. Just looking for advice on what to do. It doesn’t seem fair, but I know insurance isn’t fair lol. Should we look at other insurance options? Or just add my mom as a co-owner? The anal gland issue was expensive so we don’t want to lose coverage on that if it comes back but also it sucks that my grandma has something we couldn’t predict nor control and now we’re in this predicament. Any advice would be helpful!!

Hi all, I am in need of advice. I'm not sure if this is the most appropriate place to ask. Ive had Embrace insurance for my two kitties for a year now. For one cat, it's amazing. For the other, Daisy, it's been kind of a nightmare. I had to increase her coverage midway through which restarted the medical review. That was my first big mistake, because while I knew it would come back with a temporary exclusion of a one time ear infection, I did not expect a permanent exclusion for ALL SKIN MASSES including cancer. Now, yes she has a small polyp on her outer ear that has never been diagnosed officially. It has been told to me by multiple vets that it's not a big deal and to leave it alone since shes had it since she was 2 and it was harmless. So when I saw that exclusion, I went through her medical records and found that I mentioned to the technician that she had a "growth" in her ear that was not impacting the ear infection, and my statement was put on the official medical records despite the veterinarian never putting it on her notes or as a diagnosis. She had one diagnosis: ear infection. A two month long appeal process would ensue where no one asked me anything despite me sending my specific concerns via email to the vet about wanting it known to the insurance it's not a cancerous mass, it's a polyp and it should not exclude all forms of cancer. The insurance would only speak to the vet who obviously had more important things to do than to deal with insurances, so it took forever for this process to come to a conclusion. The vet had no record of the mass, other than my statement to the technician, and ultimately that's what she told the insurance: There is no diagnosis of a mass and she has never noticed one on my cat. The insurance concluded that the mass didn't exist and officially documented the rescinded exclusion. My next mistake: I didn't say anything after because who would?? After a nonstop, 2 month, constant back and forth to get everyone to work together, there was a solution so I shut up and let it go for peace of mind. Now I feel absolutely f*cked because the polyp needs to be removed because she wont leave it alone and its turned into a deep cut that doesnt heal. The technician today wrote that she's had it since she was two and it's officially been diagnosed. Its a benign polyp, it's been biopsied after the appeal. Im so afraid to keep her insurance or submit a claim now in case im now "withholding information" or being fraudulent. I never denied she had a mass, I just denied it was anything more than a polyp and that's what I was trying to fight. What do I do??? She gets it removed tomorrow. Im afraid this being found in her medical records will impact future claims and I won't be able to move forward with removing any other temporary exclusions like the ear infections. I also have another cat on the policy who really needs insurance and im scared if they drop her, they'll drop him too. If you got to the end, thank you for reading this 🩷

just got non-renewal letter from liberty mutual. The reasons are the 4 claims in the last 3 years. All claims are from the repairs of a music instrument which I added as an addendum to the home policy. The 4 claims are <$1000 in total and the highest one is $400. As there are no duductibles and the liberty mutual customer service did not warn me of any consequence of these small claims, I just made the claims. I have quoted online 2-3 companies and answered "yes" when they ask claim history, they all rejected to provide coverage. Should I negotiate with liberty mutual to continue the policy by droping the instrument addedum? Or move on to a new company by telling them the details of these non-renewals and opt out the coverage of the instrument? With claims totaling less than $1,000, am I shut out of the insurance world?

I am a 33yo f and my sister is 30yo f. We both have geico, same coverages, haven’t been in an accident or have gotten any tickets in 5+ years. We both have newish cars. Hers is a 2024 Mazda and mine is a 2025 Nissan. We live together at the same address. Why the hell is her car insurance almost half the cost of mine?! I am so annoyed about it! Lol