Progressive has once again doubled my home insurance for he 3rd year (700 in 2023, 1600 last year and the year before and now 2600 this year) and I need to find a new home insurance. To be completely transparent i want th absolute cheapest premium possible. Don't care about the deductible or what it covers. Just need it to satisfy my lender. Does anyone have any recommendations?

On Aug 2 2026 my mother's boyfriend & I got into a huge argument. His car and my car and my mom's car were all in the driveway. I hopped in my car and had to reverse out of the driveway and then speed away to get away as fast as possible (earlier that day, he had chased me up the driveway calling me stupid repeatedly, so I really wanted to get away.) I am 28F my mom is 75F and her bf is 77M. After I sped away from the house (and have not returned since) he filed a claim with his insurance stating that I struck his car as I was reversing and trying to get away from them. I am worried both he and my mom will attest to his insurance (he has Liberty Mutual) "yes, I saw her hit John's car," when I did not. At first, Liberty was trying to get in touch with me and I said I had no idea what they were talking about (didn't know he had Liberty when they were contacting me.) A few days later, my mom probably hooked John up with my license plate and insurance info, and now my insurance reached out saying "this person says you struck their parked car." I say "no, I have no knowledge of that. my car has no damage so how did I strike a car? what damages are they claiming?" and that's when I learn my insurance (Arbella) was contacted by Liberty Mutual. I submitted an operators report saying how "this is my moms BF reporting- we don't get along- I was leaving the house- my car has no damages" and submitted photos of my undamaged car. I'm worried if insurance will believe them because it's 2v1? And the Arbella said a demand could be sent from Liberty Mutual if he doesn't just give it up. There's only eyewitness testimony, no camera footage to prove I didn't hit him, and it's stressing me out and I'm losing sleep over it to the point where I have been sleeping/living in my car since he did this just to not see them. I guess my question is do they have a case? I'm worried he will relentlessly come after me

I got a $7000+ bill from my provider. I checked with my insurance and they said they used two different codes for my procedure & surgery, only one code was accepted & they paid for.

the first code seems to be correct but there are two others I have no idea what they mean.

(Diagnosis Code D259)

(Diagnosis Code N946)

They couldn’t tell me which codes would be accepted but they said to reach out to the provider and tell them the different code would need to be changed for them to pay for the remainder.

How easy is it to get hospitals to change billing codes?? Do I just call and tell them to change it So insurance pays? Anyone have insight on what I should do?

I was in a stressful situation where my home was supposed to sell on a specific date but didn't. I had cancelled my long time insurance and had to get a new insurance policy since I was no longer living there. I was able to finally close on selling 16 days later so I cancelled the new insurance policy. I thought I would get most of the money back since that is how it has worked for me before, but got almost nothing back. My insurance agent broke it down as follows:

A payment was made for 844.69 and the policy was in force for 16 days. 

First subtract all fees from that amount ...fees were $58.69 so that then leaves a balance of 786.00 (fees are only partially refundable).

Then the policy is short rated at 10% which is 10% of the overall premium (the overall premium of this policy was $3,202.69). 10% of that was 320.26

So he paid 844.69

less fess       58.69

____________________

786.00

short rate    320.26

__________________________

465.74

/16 days in force is daily rate of 27.35

The refund you got back was for your FIGA fee.

Does this look correct? I would imagine the daily fee would be less than 27.35 if the overall policy was 3.2K. I am in FL and all I can find about short rate law is that they can't take more than 10% but I'm not clear on if that is based on what I paid or the full premium amount as they are saying. I can't seem to find anywhere in my contract though where it says I have to pay an early cancellation fee or short rate fee. I just see it mentioning cancellation will result in pro rata. Any insight is appreciated! I just seems like I got ripped off to pay almost 850 to insure a home for 16 days.

My car is totaled. Could someone explain if ACV is intended to be what I need to pay retail to buy the same car year and mileage, or what I would have gotten in trade at a dealer, or somewhere in between? If it isn’t the retail price, how is that making me whole if I just want to be where I was before I got rear ended (by the other driver, and maybe now again by insurance!)

Edit: thanks! you can see by the answers I’m not the only one whose confused. I’m not asking for more or less than exactly what I had 10 seconds before the accident. Dealers must make a profit and offer sellers a hassle-free instant credit at less than retail towards another car. A seller to a private buyer endures a hassle and risk, and so expects more cash than a dealer will offer. I’m not a dealer so I can’t command the hassle-free price and I have to pay more from a private seller or a dealer at retail to be made whole. I understand my insurance may not do this, but I think there is a solid legal argument that the at-fault driver should make up the difference to get me back where I was in a separate suit.

Anyone else ever make a claim with them and been an absolute disaster?

Trucks been at the shop for over a month now and they haven’t even had a chance to work on it. GM insurance direct contact approved the damages over the photos submitted etc, sent the initial quote which was like 3k. Body shop is around 15k.. after filing a supplementary claim the 3rd party appraiser Alacrity has been a nightmare. Ghosting the shop for even a week no response. Arguing back and forth with the shop like it’s coming out of his personal pocket. Doesn’t even want to submit the claim to GM for approval.. went to 2 shops before starting the process and they both came out to about the same dollar amount (11/12k) before actually tearing into the truck..
shops telling me I might have to enact the “right to appraisal” , super disappointed with GM insurance and the whole process. Claim with progressive years ago was easy and no problem whatsoever. Been borrowing a vehicle for over a month now and work hasn’t even started. Any advice on what to do?

So I went to an allergist for the first time and the bill is much higher than anticipated. One of the odd things I'm seeing is that instead of billing me one time for my allergy serum, they are splitting the billing into 3 months of bills. $500-$500-$200. Looking at the billing, they're billing it as if I had services on dates where I did not actually have services done.

According to them, they are doing this and billing these as "Antigen Therapy Services" over 3 months to give me better discounts from my insuance. Part of me thinks this is BS and a way they can charge more as insurance would knock down the 1 time bill of $1,200 more than 3x separate bills. Am I on the right track, or is this allergist actually getting me a "deal" by doing it this way?

I am in a pretty bad predicament and I need the advice of people who went through a similar situation. I live in New York and have state farm, have my home and all cars insured under my policy and been with state farm for over a decade. I had an accident that was deemed 50/50 in 2024 With a personal injury suit that was settled, a broken windshield claim (i wouldn’t have reported it if i had known they’d use that against me), and my sister got into an accident a few months ago in 2026, where she was deemed at fault.

Few days ago, I was rear ended, 2 days before i was buying a new car (talk about bad luck) and i went through the other drivers insurance to fix my property damage and was completely not at fault. I went to the hospital as I did feel pain in my back and wanted to get checked out. I spoke to my agent to figure out what I can do and she strongly advised me against going through statefarm for any bills as it can put my policy at risk and potentially boot me off. We decided to just pay the hospital bill out of pocket. Then… today, the bill comes and its $4,000, for literally just touching my back for 2 seconds. I can’t afford to pay this amount and I don’t know what to do. I’m trying to talk to the hospital’s billing department to see if I can have the bill under my health insurance but i have zero hope in that ever happening. what should I do? Should i just go through state farm insurance and take the risk? I genuinely don’t know what to do about that $4,000.

2 months ago my husband was involved in a car crash and found not at fault. This happened at the end of june. We contacted the insurance companies and filed a claim the day it happened and called for an update mid July. We never heard anything back until end of July when we were supposed to receive and offer and was told they were still working on it and had JUST gotten the vehicle by the insurance company. Mid August we finally got an offer but found out the offer given was ONLY for the vehicle and the people handling the medical bill and compensating the time off work he missed would be in contact soon. Still have yet to year anything back AND we've had to make two payments on the vehicle even tho we haven't had it in our possession and its been reported that the vehicle was in an accident. My husband will be contacting them tomorrow to figure out what's going on but it feels like it shouldn't have taken this long.

Is there any advice to be given during this situation? Has anyone else dealt with anything similar? How else can we resolve this?

Considering a good driving record and other things being equal what age demographic typically is given the best rates for auto insurance ? Is that too general of a question ? Just curious.

Still kind of in shock so bear with me. Earlier tonight a drunk driver hit me and my leased Honda Civic may be totaled (not 100% sure yet if it’s repairable or a total loss that’s just what someone said at the scene). I have insurance though.

Some details:
• Not my fault at all, the other driver was drunk
• Car is leased through Honda, believe it may have gap coverage
• Car got towed, I’m pretty sure it’s in a tow yard
• I didn’t get the other driver’s info at the scene, but police responded so it should be in the report
• Report won’t be available online for ~3 days

My questions:
• What’s the right order of operations here? Do I file with my insurance or the other driver’s?
• How do I deal with the tow yard / storage fees while I wait on the report?
• Anything I should NOT do or sign right now?
• Anyone been through a total loss on a leased car how did the gap coverage part go?

Any advice appreciated

I just wanted to share a negative experience that I had with this insurance brokerage company, hopefully so that other poeple don't fall into the same trap that I did.

I recently left my job and moved states and was looking for a short term insurance policy while looking for a new position. I went through a website that seemed to be with Covered California and ended up getting a link to this company, LeoSource insurance. The guy that I spoke with seemed pretty nice and helped me get a policy that was along the lines of what I was looking for and cheaper (still not cheap) than other options (which was a red flag). I realized after signing up that the policy I had signed up for did not meet the state required minimum, so I had to go back to looking for a new policy. At the time I thought "ok that's no big deal, the company has a 30 day cancellation policy."

Here's where they get you. I called them back the following day and requested to cancel my insurance policy and the representative that I spoke with was nice and said "yes, no problem I will cancel it for you right now and issue a refund." About a week later I still hadn't received a confirmation or a refund in my account so I called again and she said that it normally takes a month for the refund to be issued. Seemed like a lot but I thought I was going to be refunded so whatever. A couple of days ago (now about 30 days later) I got a notification that I was being charged for another month of the insurance. I called back in yesterday and the representative that I talked to said that there was never a previous cancellation request but he was happy to cancel it for me. This morning I got a followup call from a representative whom I've spoken to previously, who basically told me that my cancellation request was not within the 30 days so they will not make a refund request and that it was my fault for not doing more to follow up with them or establish a paper or email trail. We argued back and forth for 20mins with her basically telling me that I was making things up and wasting her time before telling me to have a nice day and abruptly hanging up.

So there's the scam for you. They will sell you something that you don't need and if you request to have the policy cancelled, they will intentionally not issue a cancellation email until after the 30 days so that they don't have to give you a refund. Am I at fault for being a moron? Yes and I should have done more research and known better than to fall for something like this. But I just want to put this out there so that if anyone is thinking of getting a policy through them they can ideally see this and go with a legit company.

I have legal expenses insurance. The issue is that the insurance company initially told me that covering the costs would be difficult or even impossible because I had taken out the policy only after purchasing the vehicle.

Nevertheless, I submitted a request for coverage.

Subsequently, coverage was confirmed, and I received a written confirmation of coverage with instructions to forward it to my lawyer.

My insurance advisor initially told me that this case was fully covered. However, after consulting the legal department, he changed his statement. After I finally received the written confirmation of coverage, I asked him for the reason; he said I had "gotten lucky" and that the costs could be covered after all.

Since I received incorrect information at the start, I am somewhat unsettled. Consequently, I find it difficult to trust him completely now.

I also have the impression that I might have been entitled to coverage from the very beginning and that the insurance company only told me it wasn't possible due to an initial error.

As this is my first case involving legal expenses insurance, I am somewhat concerned that contacting the insurance company directly about the current status might negatively affect the coverage confirmation I have already received.

I would like to ask the insurance company why coverage was initially ruled out but is now possible.

Could you please advise me if it is safe for me to contact the insurance company directly or talk with the lawyer first?

Thank you very much for your time.

I’m with Sunlife in Canada and been off work for the last year due to health related issues. It’s taken over a year for my insurance and dr’s to get their shit together and get all of it done. On top of that I have to pay my job for insurance every month so I can still have it. Is this normal? Why doesn’t the employer cover it? Can you get this money back? Am I wrong to think this isn’t right?

So does this mean they’ve moved forward with fixing my car or is it still up in the air? On the insurance claim it says repair in progress and it also has an option for rental

What insurance do you recommend having in general?

Hey folks

So I always been told by my parents that insurance follows the car and not the driver so I haven’t been on my partners car insurance despite driving the car regularly. I don’t think I was on my parent’s insurance either. Last night I figured out I should definitely be added as a second driver so I’ll be doing that in the next day or two. I am M29 and have had my license for ten years with a clean record but no insurance history. I also have excellent credit and live in NJ. My partner is F35 and has had her own insurance for a while now. Should we expect our insurance to go up a lot when I’m added to the policy? I’m assuming insurers place more weight on a clean insurance claim record than a clean driving record?

Thanks!

I’m not sure if this is a revelation, a vent, or if I’m asking for advice. However, all respectful responses are appreciated.

We have progressive and been with them the past 4 years.

1st accident July 2023, someone backed into our SUV as she was pulling out of a parking spot and my husband was driving straight. Damaged our passenger side doors. She had no insurance.

My UM covered the accident. Progressive said they would get our deposit back. Two years later they said “we exhausted all our options and no luck.”

2nd accident March 2026, I was driving straight slowly in front of a school during drop off hours, a car went into the oncoming traffic lane to go around me. He didn’t clear my car and ended up hitting my driver side, damaging my front bumper. Turns out he was an uber driver in an uber rental. Uber was giving us the runaround, so I used my insurance to speed up the repairs. No luck yet with subrogation

3rd accident June 2026, driving straight on a 3 lane one way. Other driver (at high speed) randomly slams into my driver side, pushing me out of my driving lane and into a parked car. Totaled both his car, mine, and the parked car. We both have progressive, he claims he swerved out of the path of a phantom driver from a side street. No one to corroborate his story, but Progressive decides we all have to use our own insurance anyway. They gave us both the same adjuster, and she kept mentioning he might not have enough coverage to cover my vehicle, my injuries, and the other parked car.

Now I’m at 3 accidents. No reimbursements, no explanations. I mean, is this typical? Did we just have a bout of unfortunate luck? should we consider switching auto insurers?

Or is this what it was all along: car insurance is for you, and you only. Maybe that’s it.

I just can’t imagine Progressive not wanting to be reimbursed (with the exception of the last accident)

Progressive (direct, my current insurer): ~$275/mo with a $2,000 deductible, but this hasn’t been reviewed against the recent at-fault accident yet since my policy period isn’t up

GEICO, via an independent agency rep (not a GEICO employee, sells GEICO policies among others): quoted me $289/mo with a $1,000 deductible, said it’s “finalized” and includes the accident, dated the report as pulled a day after my accident

GEICO, when I called their support line directly: rep said they saw no MVR or CLUE report pulled on their end, and estimated I’d actually be looking at $350+
• GEICO, when I ran a quote myself directly on GEICO’s own website: also came back around $350+

My confusion: The agency rep insists her $289 quote is final and accounts for my at-fault accident. But two independent GEICO sources (their phone support and their own website) both landed at $350+, with no visibility into her quote.

Is it normal for an insurance agency’s internal quoting system to generate a materially different number than what the actual insurer’s own website or call center produces? Should I trust the direct-from-GEICO number over the agency’s, even though the agent says hers is finalized? Any experience with this kind of discrepancy would help. Trying to figure out which number is realistic before I commit to a car purchase.

location: California

I’m seeking help understanding the physical-damage language in my California personal auto policy. I am also beginning to consult attorneys, but I would appreciate perspectives from insurance and coverage professionals.

The basic facts:

• I rented a private passenger SUV for a short personal trip in Utah.
• I was the named renter and was sitting in the front passenger seat when the collision occurred.
• A non-household friend was driving with my permission.
• My friend was not listed on my auto policy or the rental agreement.
• The rental company is demanding approximately $26,600 for a total loss and related charges.
• My California policy had collision coverage with a $500 deductible.
• The rental SUV was not owned by me and was not furnished or available for my regular use.

Other possible coverage sources have been pursued:

• The rental agreement stated that a damage waiver was included, but the rental company denied the waiver because my friend was not an authorized driver.
• My friend was a named insured under his own Washington auto policy and had collision coverage. His policy covered qualifying non-owned vehicles used with the owner’s permission. His insurer denied coverage because he was not listed on the rental agreement and therefore, in its view, did not have the rental company’s permission.
• The credit-card benefit administrator advised that its rental benefit applies only when the cardholder is driving.

Therefore, no insurer or benefit provider is currently paying the rental company’s claim.

My present dispute concerns the section of my California policy titled “Part D: Coverage for Physical Damage to Your Auto,” which provides collision and comprehensive coverage.

Part D says the insurer will pay for direct and accidental loss to a covered auto or a “non-owned auto.”

The relevant definition states:

“Non-owned auto” means a private passenger auto not owned by or furnished or available for the regular use of the named insured or a family member “while in the custody of or being operated by” the named insured or a family member.

My insurer denied coverage because my friend and the rental vehicle were not listed on my policy.

I requested reconsideration and specifically asked the insurer to address the separate “custody of” language. The insurer responded that a non-owned vehicle is covered only when operated by me, a family member, or another listed driver.

However, the Part D definition in my issued policy does not say “only when operated by.” It says “in the custody of or being operated by.”

I was the named renter, remained contractually responsible for the vehicle, retained the rental agreement and keys, and was physically present in the front passenger seat when the collision occurred.

I have asked the insurer to:

1. Address the “custody of” alternative directly.
2. Identify the Part D provision containing its claimed operation-only requirement.
3. Identify any Part D exclusion that eliminates my physical-damage coverage solely because a non-household friend was driving.
4. Explain whether it is relying on the policy’s separate “reasonable belief” exclusion.
5. Analyze my Part D physical-damage coverage separately from whether my friend qualifies for liability coverage.

My questions:

• In ordinary auto-coverage practice, can a named renter who remains in the vehicle retain “custody” even though another person is physically driving?
• Is the insurer effectively reading “in the custody of” out of the definition?
• Is an unlisted driver automatically disqualifying for my first-party physical-damage coverage when the insurer has not identified an applicable unlisted-driver exclusion?
• What should a proper written coverage determination address before the insurer relies on an operation-only interpretation?
• Regarding my friend’s Washington policy, can permission from the named renter ever satisfy a non-owned-auto requirement for “owner’s permission,” even when the driver was not listed on the rental agreement?
• What type of attorney should ordinarily lead the coverage dispute?

Location: California

Edit: It was against the at fault party insurer, not my own.

Car is Subaru impreza 2023 model, accident date: Nov 2023 milage: 6K at the time of accident.

Carfax consider minor damage(rear bumper+ other parts replaced). Reapirs costed 5K

Original post:

By taking advice from all reddit buddies, I filed Diminished value claim for a 2.5 year old claim. It got denied.

What should be the next steps? Chat-GPT says that the case cited aas for first party claims, so reply accordingly, also hire a DV appraiser report.

Excerpt from letter:

"please be advised that Califormia Law does not require insurance companies to provide coverage for diminution in value. Per Carson v. Mercury Ins. Co. (2012) 210 Cal.App.4th 409, in which the Court stated in reilevant part, "when the insurer elects to repair the car to its pre-accident condition, it is not aiso required to pay for any loss of value to the vehicle. To hold (the insurer) liable for the automobile's diminution in value would render essentially meaningless its clear right to elect to repair rather than to pay the actuell cash value of the vehicie at the time of loss. (Id. at 420.) "(A)n insurer's election to repair is concusive provided the repair places the automobile substantially in its pre-accident condition. If it does not, then the automobile is deemed a total loss and the insurer is liable for the pre-accident value of the car." (ID. at 421 citing Rav vs Farmers Ins. Exchange (1988) 200 Cal.App.3d 1411, 1417 and Owens v. Pyeatt (1967) 248 Cal Apo 2d 840, 849.)

Before making my claim with my insurance I went to the body shop got an estimate and then called the insurance. I just got my check and the insurance estimate and they are the full amount, not the amount minus my deductible. I’m just confused as to why they fully paid me for the repairs leaving me not paying my deductible?

Does anyone have any guidance on how much to ask for diminished value on my car.

It was only a month old when I got hit in a brand new Toyota 2026 Prius with less than 1,000 miles. The damage wasn’t “too bad” with just a back corner being damaged/hit (not my fault) $3500 in repairs.

I saw the 17c formula but with my car only having had been a month old I’m wondering if I should ask for more or if that has no bearing on a the claim.

Its a 2012 honda accord coupe some crackhead lady tried to turn into her drive way while i was in the right lane i slammed on the breaks (it was a residential neighborhood, i was going 27 at most) the insurance said it wasnt my fault but im afraid my car will be deemed a total loss there doesnt look to be any frame damage and the impact bar looks fine, the tow truck driver said it looks like a low speed low impact accident. Please let me know if you think this car is done with. By the way i bought it 2 days ago for 11k 10k market(allstate is my insurance company)