I have a bachelor's degree and have almost five years of retail experience. I don't want to do anything sales related, what jobs should I look for?
My son (17) has his driver's license and he's under my auto insurance. He's recently been driving his gf's parents car, with their permission. I thought it was like 1 or 2x case but it's daily since he doesn't have his own car yet.
We're in the process of getting him his own car but it'll be another 4 to 5 months of savings. His gf doesn't have a license so her parents were ok with my son driving them around.
I told him not to do this because it's illegal in our state to drive a minor when he's not 18 yet and her parents aren't adding him as a driver. Her parents and us are not close, we met a few times. My wife says it's not a big deal but I believe this is a huge risk that should be avoided. I'm not out of my mind right?
If anything happens they can easily deny they allowed him to drive and I'll be on the hook. How can I get thru to my wife that this is serious risk because just explaining to her the risk of liability doesn't resonant with her.
Sorry for any grammatical errors, I’m using voice to text because I’m on mobile.
I recently got quoted by progressive for car insurance. Per month they want a little over $500 with also wanting 2500 about for six months. This was a jump from what was like 1300 before they pulled some kind of report.
Here’s the backstory to see if maybe someone here can help me understand .
The car belonged to my grandmother . My grandmother had me and my two younger siblings and an uncle listed as insured drivers on this car. The Uncle, who was on the policy essentially had gotten to two different accidents with that vehicle and my younger brother had multiple traffic violations and other street violations apparently that also caused the previous insurance to go up. Hence why they are no longer allowed to use the vehicle and the current plan is to transfer over into my name so I could start paying the insurance on it since I currently have semi-ownership over it because I use it for work and school.
The issue start here because after they did the report, the price jumped by almost $1000 and I’m confused because yes I’ve technically only have had my license for four years but I have a clean drivers record. I have no violations I went to driver school, which, when I went, I was told would result in cheaper insurance. Progressive is claiming that there’s something that popped up on the report that they can’t tell me what it is, but that something is what resulted in the large price increase.
I’m probably gonna try to find cheaper options and I already went to the site that progressive gave me to go get the information or report that they said they got and I’m just waiting to receive that but what could’ve caused us this jump inprice because if it’s the accidents, why would I be affected? Not only was I not in the car or the driver when it happened. I wasn’t even living at the house at the time.
Like this is all still new to me, but I don’t know what to do essentially . It didn’t help that my grandmother was there and was talking over me the entire time and then insurance agent also wasn’t listening to me so I honestly don’t even know what information they took down at this point, but I can’t get rid of the insurance yet because I need it for my job
Is there something I can do while I wait to get the report back that they said they were going to send because the cost they’re asking for is more than my car payment and it doesn’t make sense to pay more insurance than I do for the actual vehicle?
Like I understand the concept of like if you get into an accident, your insurance is higher if you have like a bad drivers record, your insurance is higher, but I have neither of those and I’m merely opening up my own policy after being on a previous policy surely I shouldn’t have to pay the penalty of the actions of the people who who essentially had the car before me or is it because I was on that policy I’m considered complicit with their actions and the effect they have on the insurance?
I’ve searched through older posts, but I’m seeing mixed answers.
I live in California and initially estimated that I would drive about 10,000 miles per year when I bought my auto policy. After two years, I’ve put about 30,000 miles on the car, which works out to roughly 15,000 miles per year.
I recently noticed while shopping for other insurers that annual mileage can affect premiums significantly in California.
My questions are:
I’m not trying to be misleading—I just want to understand whether I should update my policy now based on my actual driving history.
I just had a claim finally resolved after months of ridiculousness and was curious as to how common my experience is and insight as to why it happened this way.
A teenager rear ended me back in April. I saw her in my rearview flying up behind me, looking at her phone. I rolled my car forward as far as I could without hitting the car in front of me and she slammed the brakes right before she was about to hit me. As soon as the light turned green, she floored it and slammed right into me. I figured this claim was pretty cut and dry with nothing to debate but, for some reason, the claim went to arbitration where she was ultimately found to be 100% at fault.
I’m wondering, who makes the decision to take such a clear cut case to arbitration? Is it something that she or her parents had to request for or does the insurance company make that call? It seems like a massive waste of time and resources when there’s nothing to even debate.
After a neighbor above me in our condo had three floods over recent years, my homeowners insurance dropped me. All the claims were subrogated and my insurance never had to pay out.
I now have a new policy with another carrier with a much higher deductible and premium.
Well, forward to yesterday and there was another flood. This time the damage, after the AOAO brought in and covered the mitigation, only amounts to a couple of hundred dollars.
I really don't want to file a claim through my insurance to recover that amount and have it on my record. Should I contact his insurance directly? Looking for ideas here.
Need insurance for a platform , renting out four wheelers , motorcycles and utv
My car got rear ended by a company car. It was a Frito Lay truck. My car was stationed near a driveway and some of it was blocking the driveway. What would be the best course of action to take. Would I be losing this case? Or is there a way where I can file a claim against them. I have the drivers license and their company insurance. Is this a losing cause?
My car was hit in July in Southern California. I have dash cams, so the initial fault was very easy to figure out, and initially damages were estimated and I brought it to the recommended repair shop. While at the repair shop, their estimates were higher than Progressive’s, and Progressive decided it was likely a total loss, so I got my personal belongings and agreed for them to pick up the car for assessment. That was at the beginning of the month, so it’s been nearing 3 weeks. I’ve contacted my insurance agent on my side of the claim multiple times throughout, but he keeps letting me know he’s reached out to the other side (who is at fault) for updates, but hasn’t heard back. The car assessment is listed as pending. I’ve also had a rental this entire time on their dime, so I’m surprised they aren’t wrapping this up faster.
Is this a normal process? Should I be concerned that something else has happened to my car while being moved? I never even received confirmation it was totaled in the first place, just that they suspected as such and needed to assess it to confirm. I’ve gotten no other follow ups, am not sure where my car is located currently. I have travel coming up and am concerned that if they get back to me while I’m gone, I won’t be able to return the rental car in the allotted time frame and they’ll try to charge me for the extra time.
Any advice or thoughts would be helpful. Thanks.
im confused i have geico for 3 years when i started i was paying like $154, i canceled my policy due to the rate to getting my car insured would be over 200 dollars for basic liabilty, talked to agent lady about the policy i did in the app and she said that was the best she could do.
i previously paid 119 on my liabilty for an older car thats no longer on my policy and my lowest monthly plan was 109. I recently canceled my policy after getting a better quote from progressive but after speaking to agent they increased my policy from paying 121 a month to 177 after listing the ppl in my home and running my vin number. so i shopped around state farm and allstate all gave me a quote in the 300s and local insurance quoted me around 200 for basic liabilty.
I thought i was cooked, panicked and i called geico back to reinstate my policy, because it was gonna be cancled trrw and i din't want a lapse i recently did a new policy. On the geico website saw lower amount and also wanted to start a fresh quote to make sure everything was accurate. they sent me to sales and they quoted me around 57 bucks a month for liability and sent me a new policy to a new email but im pretty sure i gave him my current policy number, also ive been on non owners for 3 months for 45 bucks so they also saw that on my policy.
I called them again to verify and gave them my old policy number and they sent my id cards with a new policy number to the email i gave when i did a new quote online . Am I good im kinda scared by the dropp rates yea my credit did go up since i been with them but i was like 580 when i started with them im 680 now its not a huge upgrade for such a big drop help.
I am in northwest Indiana where the derecho hit on 8/11. A tree fell on my house causing a lot of damage. We have American Family Insurance.
We are currently in a hotel and the stay has been extended until next week. We have my three cats with us. HOWEVER, our two dogs are being boarded because the hotel cannot accommodate 5 pets.
I have been asking since we got displaced about long term temp housing. We do not have a lot of options in this area or the surrounding area for houses without them being extremely expensive. I have been concerned about getting my dogs out of boarding, us out of the hotel, and all of us together.
In my policy it mentions Additional living expenses. Per policy:
"Additional Living Expense.
This Coverage applies when a loss covered by
this policy makes that part of the residence
premises where you reside unfit to live in. We
then pay for the reasonable and necessary
increase in living expense you incur to
maintain the normal standard of living of the
household.
Payment will be for the shortest time required
to repair or replace the damaged property or, if
you permanently relocate, the shortest time
required for you to do so."
Our home is a 3 bed, 1 bath home with an attached garage, finished basement, and large fenced in yard. We don’t need all of that for us to be all together. We just need something in the area, that’s in a safe area, that has a fenced in yard and will accommodate 5 pets.
My case is being sent over to large loss so the claims rep is being changed. My previous rep told me that they have to have another company or maybe a different apartment? Figure out the fair rental value of our home. From that, she will send a check to us monthly and that’s what we use to pay for our long term temp housing. I asked if that’s an option or if it’s the only way they do it. She said if we rent something and it is above FRV, they will not reimburse.
We own our house. We do not rent. We do not rent our home to anyone. We have never done that. We do not have a farm or ranch. There is nothing in our policy about FRV. Just about ALE. I tried asking for where in our policy it states this and I’m kinda being given the run around.
ALL I WANT is to know where I’m going to be living. I’ve been displaced. I have pets in now separated from. I now have to wait even longer because it is getting transferred. Which I am glad they are recognizing the loss as large so we don’t get screwed but oh my god. I need to get into housing before it’s all taken😭
Can someone please tell me if FRV is not mentioned in the policy, should they even be looking at that at all?? I know our ALE policy has a limit of course. Which is also why I’m trying to get out of the hotel and my dogs out of boarding. It would be much more cost effective to get into long term housing.
TLDR; have been displaced, have 5 pets, being told FRV needs calculated when it’s not in my policy and I have nothing to do with renting
My local insurance producer is partnering with the opening of a hot new gym and fitness center in town. They just posted “Get an insurance policy with me and get one week free at *Local Gym’s Name“ !
After my insurance company West Bend decided to almost double the premiums over the last two years I decided to go with Cincinnati Insurance and save about $700 per year. My experience with West Bend was really good over about 12 or 13 years and I did not really want to leave them. So this is just a money decision, but I still wanted a good insurance.
Now I was reading through some posts here and found really negative comments about Cincinnati - especially over the past year or two. Mostly about them not paying, dragging their feet, deciding on their own that people are at fault (car accidents), although it was not already determined, they are not at fault... etc.
My insurance agent told me, they are really great..... and now I am wondering, did they change for the worse over the last year or two? Would love to hear some opinions.
Just trying to see if I have any options here in a unique situation.
I live in Pennsylvania and carry PA insurance (Penn National). I was in an accident in a very rural part of northern Michigan, and the other driver was found 100% at fault according to their and my insurance company. They're insured with Allstate.
Because Michigan is "no-fault state", my own collision coverage is handling the repair minus my $250 deductible, which is covered by Allstate as a result of Michigan's mini-tort and no-fault laws. Allstate confirmed the mini-tort only covers my deductible, and nothing else.
The car is being repaired in Michigan where the accident occurred, about 650 miles from where I live. Essentially, I am trying to figure out the cheapest and easiest way to get my car home.
I can get a rental car and drive it back to Michigan, but the closest rental car company is an hour from the shop, and there are very few (maybe zero) Ubers/Lyfts that far out. So to retrieve it, I'm looking at a flight or a long drive, a hotel, gas, some kind of hour-long ground transportation to reach the shop, and two days of my time, all out of my own pocket, for a wreck I didn't cause. I don't say this to sound entitled, but rather to provide context to my situation. I'm also considering shipping the car (around $700).
My questions:
I had the same insurance agent at the most popular known roadside assistance agency and she retired recently. I just got sent to another agent who was vague did not answer my questions properly and in general feels less personable. He has also attached my rental property claim history to my primary home insurance which seems unusual. He is off on vacation and I have to submit my application. I am not too happy about this.
How do people go about getting quotes for home insurance typically? I'd like to find a good one and set it and forget it.
Last week I was rear-ended by a distracted driver and a completely destroyed one of my rear end collision sensors on my vehicle, I filed a claim with their insurance and obviously it's going to take a while because it always does. However, my dog started having a seizure so I wrapped her in a blanket put her in the trunk of my car to take her to the emergency vet and I guess I became too reliant on technology because I didn't hear the rear end beep so I thought I was good but I slammed right into a tree. Since then I filed a claim with my own full coverage insurance and I have to pay my deductible which is unfortunate, but obviously I understand.
My question is what happens to that initial claim? I managed to hit the exact area she hit so will their insurance even bother trying to cover any of the damages? Like will my company seek reimbursement for some of the damage? My vehicle is severely damaged at the moment the bumper is barely hanging on I had to attach it after the initial accident, and after hitting a tree due to panic for my dog the bumper is hanging on by a thread. Just a curiosity question there's really no difference as long as my vehicle is fixed. Thank you.
Low premium , high deductible and then sharing the insurance pain in effect making the employee self-insure a percentage of the risk . The HSA account just helps the employee fund it. The downside is unforeseen health costs that. If this is good for the employee its because the employee doesn't intend to get sick and in that case not having insurance would be even better. Been arguing this point with a friend
The goal of HDHP's is to push more costs of health care onto consumers and away from companies.
Home + Auto + Umbrella. Looking at Amica, Erie and Farmers. Any opinions, experiences with Amica, Erie and Farmers? Not switching because of rates. Concerned more with claims service if I ever need to file a claim. Farmers would be a local agent. Erie would be a local independent and Amica is over the phone. Thanks
I have been waiting for months for over $1.5k of reimbursement from my previous therapist.
She successfully filed the claim and it was approved in January of 2026. They have sent her two checks now that have not successfully been delivered for whatever reason, and now I am pressing her to start a direct deposit pathway for direct payment so she can actually receive it. At this point, both her and her billing agency have not responded to any of my calls or texts for the week and a half or so.
I don't believe any of this is malicious, but I do feel like it is ineptitude. Are there any formal complaint pathways or resources for assistance to have this prioritized or resolved? I am unfortunately no longer in the same state as her-- I don't think that should matter but it keeps me from being more directly present in this process.
For more clarification on why I need to be reimbursed at all: I was paying out of pocket for all of my sessions for a year and a half because I wasn't feeling motivated to see if it was covered ( lowkey depressed hence the therapy). I finally gave her the information to see if she was in-network, and she was! So she filed the claims so that I could be reimbursed for my out of pocket expenses beyond my co-pay. The claims were approved, and the insurance company has been attempting to reimburse her who would in turn reimburse me. (I'm also curious as to why they aren't reimbursing me directly? I know she filed the claim on my behalf, but should/could I have attempted to file those claims myself?idk. Help! )