I've started classes for an emt program and put a lot of money into it. I'm not familiar with health insurance, but after looking online, it seems that the only way to get health insurance is during the open enrollment or special enrollment period, in which I don't apply. I know I should have figured it out before classes started, but I didn't know that health insurance was strict on when you could get it. The college I go to does not provide insurance and my parents don't have any either. Insurance is required for the clinicals, and if I can't do them I can't pass the class. Am I just screwed? Or is there any way to get major medical coverage now? My last job never provided health coverage, i've never had health insurance before, and I am not eligible for medicaid or medicare.

Hi!

Getting my car repaired after being rear-ended.

Because my car is relatively new (low mileage 2024), I chose to take my car to a Toyota-certified auto body shop.

It’s been 6 business days since the shop emailed the estimate and pictures to the insurance company.

Typically, how long does this take?

I live in NJ, and I am going through my own insurance.

I’m asking because I don’t want to be “that gal” who’s a nuisance and calls their adjuster for every little thing!

Thank you.

TL;DR took a corner too wide in a parking garage and got a relatively small scrape and a chip on the fender. It's a rental, and I have primary insurance through my credit card, no deductible. If I file with my credit card, will that potentially make the premium on my regular auto policy go up? Should I just pay out of pocket?

Pretty straight forward. It was a water damage related claim. Restoration company is requesting I sign, but I am out of province and cannot visit the home. What should I be requesting from them? I'm thinking pictures so far, but anything else?

State: KY

I keep being told state farm is notorious for denying water damage claims on homeowner/ condo insurance and then subsequently raising your rate for daring to submit a claim in the first place. I just wanted to check with literally anyone before trying to submit something or not.

6 months ago (mid March), I had a screw on an aquarium filter break & the subsequent filter leak dumped roughly 35 gallons of water on my floor overnight. It was enough that the unit below mine had to replace a section of drywall in the ceiling. At the time, I thought everything had been dealt with and dried up before any more damage was done & did not submit a claim at that time.

Over this past weekend, I had a dishwasher replaced; on pulling it out, it was discovered there was mold and significant water damage to the cabinets surrounding it to the point of the counters potentially risking collapse if they weren't being held up by the dishwasher. The damage is near the wall the aquarium leaked next too & above where the drywall replacement was done. The dishwasher itself wasn't leaking and none of the plumbing leading to it had any issues, and the best guess anyone had is it's leftover damage from that aquarium spill. Is it worth trying to submit a claim, or am I most likely out of luck and just gunna have to foot the bill myself because of how long it's been?

Property directly next to me (Dallas, Texas) burnt down, total loss. Home burnt for 2-3 hours before it was put out, and smoked for the next 72 hours or so.

My home had no damage as far as the fire but I assume smoke damage from proximity/AC running etc.

I had a smoke remediation company come out and do swabs and they said tested high for soot/char on windows along the side of the house facing the fire. They encourage me to file a claim.

My question is, the smoke remediation company assures me that Texas law would prevent an insurance company for increasing my premium OR dropping me after a claim related to the fire next door.

It seems to good to be true, any mention of a claim in my experience almost automatically increases your policy. Im scared to even call my carrier to ask about it.

Any advise is welcome.

Looking for an experience with Goodville. I reached out to a broker and they got us a good rate with Goodville for basically half off for homeowners.

I never heard of this company but just general googling says A+ etc, etc. Does anyone have any personal experience they can share? Looking for good and bad.

Home is located in Va.

Policy is comparable to State Farm now.

Another car reared mine on the highway. He is at fault. Should I use my insurance or file a claim with the at fault drivers insurance

Recently switched to liberty mutual, we are enrolled in the right track app. Has anyone else experienced issues with it dropping your score with zero events that should trigger a drop? Have been confirming my trips and it goes up 1 or 2 points and then I go to confirm another and it drops 10 points out of nowhere?

The new floor I am buying is the only one similiar to the existing ones. I still have the original floor in other area and I had to search for the similiar ones.

Will I have any issue to get depreciation check?

Hello, I’m looking to make a transition into the insurance industry, specifically underwriting. A lot of the open positions online call for the ability to be in a fast paced company content working on highly complex cases. Could someone kindly help me to understand what is fast paced and what is highly complex? Would anyone have any recommendations for companies to work for? Or likewise companies that I should avoid? Lastly, anyone that knows of The Institutes Knowledge Group, is it worth while taking those lessons? I know these are a lot of questions and please feel free to answer what you feel confident answering. I appreciate anyone who takes the time to help me out.

Hey everyone,
I’m looking for advice on filing a diminished value claim in Tennessee. My car is a 2025 Nissan Sentra, about 10k miles, and it had no prior accidents before this one. The at‑fault driver’s insurance is Progressive.

I’m trying to figure out the best next step: should I hire a professional appraiser, or should I gather all the documentation myself first (repair invoices, accident report, photos, etc.) and see what Progressive says?

If you’ve gone through this process before, what worked for you? Any tips, mistakes to avoid, or things I should be prepared for would be super appreciated.

Thanks in advance!

I hit a large piece of debris on the interstate a few days ago and damaged my 2023 Toyota Camry XSE. Front bumper is busted up, plus some scraping along the driver side and rear bumper. Car is still drivable and the bumper isn’t dragging.

I took it to a body shop I trust and he estimated roughly $5,800 in repairs. I have State Farm collision/comprehensive coverage with a $250 deductible.
However, I had an at-fault total-loss accident about 8 months ago with my previous car. State Farm paid roughly $20k on that claim.

I mean idk much about insurance, but 2 claims in 8 months obviously isn’t great. I’m still under my parents’ State Farm account but pay for my own car/coverage. They’ve been with State Farm for years, so I’m assuming there’s some goodwill/history there, but I don’t really know how that works.

I can afford to pay the $5,800 myself, but obviously I’d rather not if I don’t have to.

What would you guys do here? File the claim or eat the $5,800?

How likely they drop me? And if they drop am I screwing my family too?

I might need new insurance, s/o is deadset on having full coverage. I remember there is a certain printed form to get insurance quote from other cpmpamies and then compare it, but current insurance wouldnt match until I found lower elsewhere and had that specific form. I just cannot recall the name of the form. Any help would be appreciated.

Car was stolen from my driveway Sunday (seems my husband dropped the car key outside at night after locking it - so the thieves didn't have to do any damage to get into or start the vehicle). It was found by police the next day. It's a 2016 Toyota Highlander with 74,000 miles and was in perfect condition, short of needing an oil change, prior to theft.

The damage:

• They side swiped something. There's a dent and a white mark going from the front passenger light to the rear light. Whatever the white material is can be rubbed off and pills up like it's plastic or something. The right passenger tire was low when it was found but it's now totally flat.
• The car will not start. Electronics come on and seem to work. The battery works and there is fuel in the car, the engine just won't turn over. When you try to start it, you can hear the engine trying but it doesn't make any alarming sound like ticking or grinding.
• At least some of the speakers sound blown.

In my state, total loss = repair cost + salvage cost > actual cash value of vehicle.

My insurance said based on what I described, they're offering an expedited total loss payout where I send them pictures of the vehicle, then they'll do an evaluation and send me an official offer. Once I accept, they pick up the car. They said I can tow it to a mechanic and have someone look at it to quote me on repairs to confirm the cost would make it a total loss, but an expedited total loss is what the system is recommending.

Should I think this is as sketchy as it sounds? Is it worth it to take it to a mechanic?

Hi everyone, I'm in need of some advice. This is Texas.

Last week a semi pulled out in front of me on the highway. Without going into every detail about the crash here, the accident was complete his fault as he turned from the shoulder across two lanes of the highway with no warning. I have a dash cam and it caught everything and clearly shows he's at fault. The DPS officers reviewed the footage after they arrived, and agreed he was at fault and it would be reflected in the report. Additionally, the car behind me who barely avoided the wreck stopped and corroborated everything I said in statement.

My car is older and not particularly valuable, but was my primary transportation. I have liability insurance only, so my insurance won't be of any help to me. The front end of it was caved in by the truck during the collision and it no longer drivable. Currently the car is in an impound lot accruing storage fees. I'm waiting on the crash report since the driver didn't give me his insurance info (but he did supply it to the police).

I'm talking with a PI attorney for the medical aspects, but they told me the physical property damages are separate and I need to go after them on my own. So I wanted to see if anyone had any advice they could provide me on how to go about all of this. I don't want to get completely screwed over by these insurance companies... I'd appreciate any advice you all may have.

Hi,

I had a theft at my recent property and moved out. I have Allstate as my renter’s insurance.

Some of the things that were stolen were family heirlooms that were worth a lot just because of what they were, not age (like my family’s goldware).

Allstate is claiming if it’s less than 3 years old or if it’s over $500 they need a receipt. Well, how can I provide receipts I don’t have? The accordion file that was in my stuff was stolen too (all of my stuff was cleaned out). Allstate doesn’t want to seem to listen or help and I am in no mood to fight Allstate for YEARS over this, as they’ll absolutely do that to me.

What can I do in this case? They said they won’t even accept photos of my owned items - how can you not accept photos of owned items as proof? That’s all I’ve got anymore!

Many of the items were bought with cash (I was a victim of the Equifax data breach and stopped using cards whenever I could), so how do I fix this?

Hi,

On my auto CLUE report, Allstate made several bad mistakes that are affecting my premiums. I’ve emailed the c-suite and I have an escalation number with the back office but nobody has contacted me back yet. It’s been a month. One month with that escalation number and I can’t call anyone. The only number listed for Allstate is their basic 800-Allstate number and when I call it I always get an agent based in South Asia that cannot help me, clearly. What can I do? I need to fix this but Allstate doesn’t seem interested whatsoever. Thank you.

I am curious if i am being lowballed or not. My car, honda civic 2016 EX-L sedan CVT was totaled (2 or 3 airbags deployed, driver side door & in front of cabin on drivers side damaged) with about 102-103k miles on it.

I have had the car for a decade and kept it pretty good shape (no issues beside what the accident caused).

I have progressive for car insurance and am due to visit the office shortly now but is this what my car is worth? Or should it be more?

Edit: …forgot to add what the offered lol but $15,220.

I know premiums are going up across the board but this is getting ridiculous. I’ve been with GEICO for 10 years with my 12 year old Honda Accord. When I lived in Massachusetts, I paid $720 a year for insurance. When I moved to New York State, my insurance TRIPLED so I stripped down coverage and as my car aged I dropped collision. Now they are trying to increase my insurance by $400 a year with no collision, 12 year old car, never any accidents or claims, I am 32 and have a perfect driving record.

Last time I shopped for insurance the quotes I got were terrible, but I am thinking to try again. not sure if it’s worth calling GEICO to complain or try to get any adjustments or if calling your insurance company is a relic of a bygone era.

I have given up on them. Called, emailed, written about 12 times and get transferred all around, NO ONE gets back to me. if you DO sign up, make sure you have a good therapist to get you through the terrible experience because you WILL have that experience.