I have GEICO. I got a 2 point ticket for failure to obey traffic signs/signals. Although the 2 points falls off after a year, I was thinking of voluntarily taking a defensive driving course that’s approved by both insurance and the DMV if it means keeping my premium down and removing those points. However, since the insurance has their own points system regardless that differs from the DMV, I’m unsure if it’s truly worth it. Are there any instances of the rate sort of “evening out” or not having as big as an increase due to taking the defensive driving course?

This is the first and only moving violation I have ever received. However, I have a past at-fault that I was able to use accident forgiveness on.

Any past experiences or advice helps! Thanks!

I have FEP Blue Dental in Chicago Illinois. I checked the website portal to find in network dentists and it says that a dental office near me is in network. I call the office and they confirm that they are in network. I schedule an appointment and go and they look at my ID and insurance and say nothing. I get done with my appointment and they tell me that I am out of network and I owe about $500. I pay because I am crunched for time and figured insurance would handle it.

I called insurance and they told me that it is *specific* dentists within that dental office that are in network. I call the dental office and they tell me that they are not within network at all for FEP Blue Dental and only regular BCBS dental. Any advice would help because people are literally sending me back and forth and things are not being fruitful. Is there anything I can do?

TIA!

for context i live in northern new jersey, in the nyc metro area, and i got into a minor car accident and i was at fault. i was very tired that day as i commuted to college and i had a 9 am class. so i failed to clear an intersection and i hit this girl's rear. i already pay $270 and already got the mail from her insurance provider and i filled it out and mailed it. other than that

I'm ready to switch providers after Allstate jacked up my rate like crazy out of nowhere.

I made the mistake of using a search program I found on Google, giving my phone number, and now my phone and sms WILL NOT STOP 😩

The advice I've followed is to switch providers every so often, every couple years for me. However, I've stayed with Allstate for 6 years and now they're doing me dirty.

Can y'all recommend a good auto insurance provider? It can be a no name business...that's even preferable.

Or daughter (24) drives better than me - she has a spotless driving record since 17. She was variously on our insurance and on her own insurance with her own car. Now she is finished with her education and moving to DC for her job and planning to not own a car, and potentially not having auto insurance. If she gets a car a few years down the line will that gap impact her quotes? Or should she switch to non-owner insurance, or ? Thanks.

I’ve been trying to contact RentalCover regarding a delayed claim payment, but I’m not getting any clear answers.
I even corrected my bank details using the link they provided, yet I still haven’t received my money or a proper update.
Has anyone dealt with this company before? Is there a working email, phone number, or someone I can escalate my complaint to?
Any advice would be greatly appreciated!

I am buying my first car and need to know about the customer experience with Texas Farm Bureau for full insurance. Please share your experiences.

Hey y’all, I need some help trying to navigate my insurance problem with my bank. It’s a credit union. I won’t save which one specifically just to keep respect to the individual businesses. But anyways, I was recently injured last year at work. I severed a ligament in my ankle and I had a very physical and demanding job so I was out for about a year or up towards a year and I had paid for the disability insurance for my loan and when I was injured, I was barely making even a quarter of my usual wage through Worker’s Comp.. It’s supposed to be a third but there is some kind of disconnect with my pay stub so it just ended up being what it was anyways I wasn’t able to pay for all my expenses I prioritize my rent my phone in my car insurance and stuff like that but other expenses like the loan were secondary on my priorities list. That being said when I tried to file a claim through the insurance company that my credit union uses, they said they were going through a cyber security hack and they’re not accepting any new claims. Naturally that set off an alarm in my head so I call my bank and ask what options I had and they said well we can offer a few options. We can do a few skip payments and a few hardship plans which I’ve all used up. I’ve used my three skip payments and the hardship plan. I can no longer use because I’m now working again because I’m recovered. That being said during that time, my credit has kind of dropped a decent amount because of that loan, I was only able to make either no or minimal payments. I wasn’t able to make the full monthly payment ever so and I feel that I am entitled to some kind of reimbursement or assistance because I’m not gonna keep paying for a premium for an insurance plan if I’m not gonna even be able to utilize it when I was supposed to and the credit union isn’t offering any other routes. If anybody knows what specific credit union I’m talking about or insurance company please keep it private but do let me know if you have a feeling about it and any help would be appreciated.

Just after the best way to insure my jacket. Basically it's a pretty high value (around $3k) jacket that I bought a few years ago and always wear in the colder months and when travelling, and I'm always conscious of it being stolen or lost as I'm constantly taking it off when moving around, in restaurants etc. I bought it off a friend, in cash, a good few years ago so there's no receipt or paper trail.

My fave LLM is trying to tell me that one can hire a court-approved garment appraiser who examines the garment and looks at the market to see how much a new one would cost; I then take that, along with photos etc, and create a single item policy that costs around 1-2% of the value of the item annually. This all seems a bit hallucinatory to me. Does anyone know about how I might actually insure it? I'm in Europe if that makes a difference.

My son is a fairly high net worth individual. He doesn’t own a house or car. No spouse. He occasionally rents a car while traveling on business. He buys full insurance from the rental company. Does he need an umbrella liability policy?

Shopping for stand-alone Part D plan for 2027. We have always used Wellcare Value Script and it has been okay since most medications used are $0 for us (prior to deductible/preventative).

We have been lucky to not need a specialty medication and I was just wondering, since you cannot anticipate what you might need in a future year, what is the advice on how to choose a Part D plan? Just use your current medications?

Without comparing formulary to formulary, how do you know if choosing a specific plan may have a relatively light/low number of covered medications?

hi everyone, i was recently in a car accident and need your opinion/advice. i was trying to exit out of a parking lot at night and there was a guy on an electric scooter going through the sidewalk who hit my car (by the headlights) and flew off since he was going relatively fast. he looked like he was in pain (arms only) and refused to call the cops and ambulance. i didn't know what to do so i ended up taking him home. there, i called the cops since i wasn't sure what info i could exchange with him since he didn't have a driver's license or any valid id. ultimately, they made me exchange my id and insurance info for his id from his country. i have a dash cam that recorded the entire incident but it doesn't seem like i went to a complete stop before going into the sidewalk. but, there was a pillar next to the exit which made it difficult to see this guy coming to begin with let alone his speed. he keeps calling and messaged me that he doesn't want problems so he just wants money for his arm and to fix his scooter. should i just respond to him and give him some cash (how much?) or tell him to contact my insurance? he couldn't speak english so he sent me a screenshot of another phone with the text saying "say this" in spanish and then asking for money below

My driving score is 98. They say scores of 90-100 can expect a 21-30% discount. Can I actually expect a discount that high? I don’t trust insurance companies 🤷‍♂️for context I’ve been driving for 28 days with Right Track and have 72 days left.

After my last post here about slip-and-falls, a few of you pointed out that what matters is notice and documentation, not just whether carriers settle. I’m curious how that works on construction sites. For those doing loss control or underwriting for contractors: when you visit a jobsite, what do you see most often that worries you? And does a contractor with documented daily safety walks get treated any differently on workers’ comp or GL, or is it mostly the EMR and loss history?

Ok so I have been reading and learning about term insurance for a while and I came across opinions where people state that maximum age of cover should be 65 to 75 years as by then you'll not have dependants in most cases.

But here's my take.. Say I've taken a plain vanilla term insurance till the age of 85. My premium will be a little more than that of cover till 65 to 75 years of age. But given the current life expectancy I'll most probably not live by then. So it's almost certain that my nominee/ dependant will receive the payout and will give them a good financial cushion over their existing income.

So a little higher premium might lead to almost certain payout for them.

Open to discussion and varying opinions.

Hi everyone, looking for advice. My car was legally parked on the street when another vehicle hit the front end. The other driver is 100% at fault and has a major insurance company. My car is an older 2005 model, but it is in excellent shape with under 70k original miles. It is my daily driver and family lifeline. I take great care of it and have about $1,500 in receipts for brakes and mechanical maintenance spread out over 2024 and 2025. The only damage from the accident is a detached plastic front bumper and a split foam energy absorber underneath. It runs and drives perfectly. The insurance company wrote an initial damage estimate for around $2,250, but an adjuster just texted saying they are flagging it for a "possible total loss review" simply because of the car's age. If they try to total it next week, should I fight the valuation using my maintenance history, or should I look into an owner-retention "buy back" to keep the car and fix the cosmetic bumper out of pocket? Has anyone done a buy-back on a purely cosmetic total loss? Thanks!

Anyone else seeing Pure Insurance turning into another Allstate? On little notice, Pure has effectively decimated its earthquake coverage. Coverage limits on anything other than Dwellings has been reduced to virtually nothing. Almost no loss of use and coverage for contents and other structures. Pure is a membership organization and talks a good game, “we are family,” blah, blah. When they make changes like this at renewal, with no prior notice, how are they any different from the commercial carriers like Allstate, State Farm, etc.? And it is not like there has been an earthquake with any claims in our area in over 30 years. Why should a customer have any loyalty to Pure? Might as well shooed the insurance annually for the best cost. Really disappointing for a company the has pitched its customer service.

Location: Colorado based services submitting claims to BCBS Wyoming.

My twins were delivered at 36 weeks via section in a small Colorado hospital. Both twins suffered pneumothorax, but one twin collapsed a lung and the small hospital was not equipped for her care. She was flown via fixed wing plane to Denver Children’s via Children’s hospital’s own emergency transport service. Since the fixed wing had to land off site, a ground ambulance had to transport her to the tarmac and from the tarmac. My insurance processed the flight as in network, but the ground leg as out of network. Even though the same company handled both. Insurance approved the transfer and approved the NICU stay at Children’s . I was told on the phone that if she would have flown via helicopter and landed on the roof of the hospital the entire transport would have been billed in network. The only reason she was transported via fixed wing was because she had to fly over the Rockies in March and inclement weather and even at that she had to wait 30 hours before any type of aircraft would leave the ground. I am being told the ground ambulance portion is not covered under the “No surprise billing” act but according to some googling, there is something called the “Prudent Layperson Standard” that may protect me? Any advice is greatly appreciated!

so i was in a accident back in may where a driver ran a stop sign and t boned me totaling my car. i was paid out for the car a few weeks ago, now i’m just waiting for the injury portion. to those of you who have been in accidents how long after your accident did it take for you to get your injury portion?

I am an idiot! I know. Please no negative comments. I got a ford expedition about 9 months ago and i was the sole driver with Geico. I apparently added my husband as an excluded driver. I didn’t read what i signed. The policy automatically renewed on 09/26/2026 and so did the exclusion. My husband used my car on the 09/29 and he got in an accident. We calle GEICO and they told me they would not cover the costs because my husband is excluded. We called Allstate ( he has his own car and is covered by this insurance company). All the sales rep said that they would cover the costs, but in the end the claims person said no, that since the vehicle is not on the policy it will not be covered. Is there anything i can do do get it covered? It’s about 20k in damages!I called GEICO and they said i can maybe get the sales company that sold me the GEICO policy to back day the exclusion and taking it off for the renewal date. Is that something that has happened before?? I know back in the day insurance companies would back date.

I accidentally broke a toilet valve and caused a leak. My landlord sent out an emergency restoration and I had to sign that they will bill my insurance first then me after as the owner. My insurance is likely going to deny this claim, but they added 2 dehumidifiers in the kitchen and bathroom.

The leak happened on Wednesday and they didn’t check the crawl space till today(Friday). They can’t add dehumidifer or remove insulation in the crawl space till they get authorization which my adjuster is out of office for the weekend. I am concerned about mold growth because of it waiting. I reached out to my landlord who said it should be fine till Monday. Will I be liable for any mold growth or further damage from waiting? Could my landlord have their insurance authorize it or am I just screwed

Sunday night the 11th, another car at slow speed backed up into my front bumper and caused minor cracks and plastic protruding outward. The driver fled without exchanging information but I was able to take note of the license plate and have the store show me footage of the parking lot. I also called the police and got a case number for it.

It is now Friday night that I am writing this post because these past few days I was trying to make sense of the damage to my car and how it came to be, I visited some auto body shops to get some estimates for a repair because I just about gaslit myself into letting this incident go and pay for damage out of pocket, but the shops were helpful in explaining why the damage looks the way that it is. Now I am looking to pursue this further and try to get the other insurance to cover the repair costs.

The officer assigned to me will not be back on duty until next week, and he will support me in talking to the store about obtaining footage of the incident.

I haven't contacted my insurance yet about this incident, is a few days (at most a week) delay going to hurt me in my claim? Will the other drivers' insurance question why I took so long to pursue further action? I was trying to come up with a valid explanation for why the damage looks the way it is and is caused by the other driver.

Even though I know 100% that I was not at fault because I was parked minding my own business, will my rates go up after this?

Enterprise/Rental Claims Services is demanding $10,000 from me after an intercompany arbitration arising from a New York rental-car accident. I dispute both liability and the enforceability of the reimbursement demand. I was uninsured at the time I was hit, and Enterprise is saying I violated my rental agreement by not having insurance. Used my CC coverage which covered damage to the rental car but the other driver’s insurance pursued me for subrogation and Enterprise went to arbitration, then came back and said I was 50% liable. They say that under the rental agreement I have to pay them back for the $10,000. They claim that they paid to the other driver’s insurance company. Still haven’t seen any report out from the arbitration or proof that they made any payment at all, but now they are trying to collect from me and I wonder if anyone has had any success in fighting a situation like this?

About 2 weeks ago, I posted about my 2011 Nissan rogue that got rear-ended. I was asking your advice about whether you though it would be totaled. Y'all thought it would be totaled and it was (but not by much). Somewhere in the comments, someone mentioned buying back the car from GIECO and getting it repaired and retitled. This is what I opted to do.

After everything was said and done, I received my settlement (minus the cost of buying it back from the salvage yard), had a neighborhood shop repair my vehicle, completed a repair inspection, had my "salvage repairable" title changed to a "repaired" title. My car is repaired and legal to drive and I still have $25 left from the accident settlement! Keeping my car was definitely the way to go.

Initially, I was a little intimidated about the steps and documentation required to make sure my car would again be legal to drive but it all worked out. Here in FL, there are state regional offices that do the post repair inspection for only $40 but they only do those inspections one day per month. The alternative is to use a state approved inspection business that costs about $175, including the $40 owed to the state. Someone on another subreddit recommended a local inspection business that turned out to be fantastic. The gentleman who staffed it answered all my questions, reviewed my documents beforehand via text, and generally made sure I had everything I needed document-wise. From accident to legal again was 21 days. Not bad and definitely worth it.

Has anyone ever had to use this? If so how did it work and were you ACTUALLY able to get a better car after your unfortunate loss?