Location: San Francisco, CA
Type of insurance: VPP

I hope this question isn't too vague. My wife and I have had a handful of personal property (engagement ring, jewelry, fancy watch, etc) insured by Chubb for the past seven years. We are looking to evaluate new providers and wanted to know what the best practice is for assessing our current policy and rate against competitors.

• Should we be trying to negotiate with Chubb first or get new quotes first?
• What are the best or recommended competitors?
• Is this even something we can negotiate on?
• What questions should we ask an agent that we might overlook?

Happy to answer any clarifying questions here as well! TIA.

This car accident was due to a vehicle side swiping my vehicle. It was caught on dashcam but neither side claims at fault. Was told it would be go to arbitration but has been over a year since the accident has occurred.

The recent response I received was

“This case is not in arbitration yet. We have cases before this pending and once it goes in arbitration I will make you aware of the outcome. There is no time frame and I will keep you posted.”

I thought insurance agencies have a certain timeframe to uphold? They could just never go into arbitration theoretically otherwise?

Landlord insurer is covering remediation and rebuild after basement flooding.

The contract I signed with the rebuild company had a finish date of November 1st, but the apartment was not ready for move-in on that date and it may be another month before it is.

The insurer paid under loss of use for two months' rent to cover the time from when the tenant moved out and stopped paying rent until November 1st, but refused to pay for any loss of use in November, citing the finish date in the contract.

My remedy under the contract would be to terminate the rebuilder and pay them pro-rata for the work they have already completed. When I pointed this out to the adjuster, and explained that if I did that, it would take at least a month to find, vet, and sign a contract with another contractor to complete the rebuild, she said that this is a private matter between me and the rebuilder and that loss of use coverage for foregone rent would only be available until the contract finish date (November 1st).

For what it's worth, I had to fight tooth and nail to insert the pro-rata payment remedy into the contract. The original contract (and the contracts I saw from other rebuilders) had penalty provisions for pre-finish cancellation that were more unfavorable to me.

Thanks.

I have 50 lac cover with lifetime india plan.

They increase the emi amount by 1500.. after asking they told this is due to medical inflation. Is this normal

Hi, so I need advice here. I attached dashcam footage below (as well as a screenshot where you can partially see the no left turn sign), but essentially a car made an illegal left turn in front of me, cutting me off. I avoided him, knowing if I hit them the chance of injury would be way worse, and ended up hitting a tree. Now insurance is finding me liable. Do I have a way to fight this?

https://imgur.com/a/V48htnb

Unique situation after a not at fault car accident – seeking guidance

My car accident was on August 24, 2024. Called their insurance company (Hartford) same day to get the claim started. Had my back checked out same day at an urgent care. X-rays came back good, diagnosed with a soft tissue injury.

On August 26^(th) I received a call to talk through what happened. Basically, the person sideswiped us, and it was their fault. Hartford mentioned they needed the Police report before claiming liability. For my back, Hartford mentioned I could see a Chiropractor. The adjuster said that if I needed anything else to let them know, example physical therapy.

August 28^(th), they asked for a medical record release…I signed it.

August 29^(th) I asked for a status of the claim. They said they haven’t received the Police report to admit liability.

August 30^(th), they called offering me a $1,000 settlement. I told them it was too early to walk through this as I was still getting treatment. I asked for a claim update, and they said they had not received the Police report. I downloaded the Police report and sent it over to them. No response.

September 3^(rd), emailed Hartford stating the Chiropractor wasn’t doing the job and I needed to see a Physical Therapist. Stated that I called around to PT offices and they stated that as long as I have the claim number and an admission of fault from Hartford, they could schedule me. No response back.

September 4^(th), received a check for the vehicle damage. Emailed letting them know I received the check, no response.

Called September 4^(th) and emailed for a claim update and received a voicemail and no response to the email.

September 9^(th), asked for updated on the claim and Hartford emailed back stating that they received my medical records...that’s it. No claim update. Wrote back stating that I was in a lot of pain and needed the claim update to see a physical therapist…no response.

September16^(th) called and email, same thing voicemail and no repose. Called  the main line, and they stated my adjuster has to share the status of the claim, and they can’t help.

September 26^(th), same thing I tell them that my back is getting worse and that I can’t pay out of pocket for appointment. I need Hartford to send me the liability statement for treatment.

October 4^(th), email from adjuster asking if I thought about the settlement amount. I wrote back AGAIN stating I need them to claim liability to get treatment and I was struggling with my back. No response.

I sent 4 more emails over the next week or so…no response.

I filed a complaint with the state board of insurance and received a letter from the Board stating the Hartford offered a settlement and I was not willing to settle.

October 30^(th), called Hartford twice asking for a supervisor to help and I was forward to their voicemail twice, left messages explaining that I need help to get treatment and I was not willing to pay out of pocket. Explained they still hadn’t claimed liability. No response.

November 4^(th), called supervisor again, got voicemail and received no call back.

November 5^(th), I FINALLY got a call back from the adjuster apologizing for the “missed” communication. Hartford stated they responded to my emails and claimed liability. I asked Hartford to send a screen shot of the emails they sent and was told they couldn’t do that. They did send me an email that day stating that they claimed liability. Hartford also said since there was a delay, they would pay me $2,500…

By the time I am done with this mess, it will be over 100 days of dealing with terrible back pain that has caused me absolute hell. I know I could have been treated by paying out of pocket, but they should have had it together enough to hold up their end. I was able to set up PT today with the items Hartford provided yesterday.

I just realized I forgot one other part...my daughter was in the car as well and hurt her back. I had her checked out the next day (she didn't mention it the day of the accident even after asking her) and her injury was much small. After a week of ice and stretching she felt better. The adjuster said that we would deal with her claim after I settled mine. Not sure why though.

My question is, while I have soft tissue damage (lower payout in general) how do you consider all the delays and lack of support when looking at pain and suffering??? This has been miserable to deal with! I appreciate the feedback.

Last year, I went shopping for home/auto policies and fell for Progressive's ads for bundling. I got lower rates and thought everything was fine. But today I got an email that my homeowner's insurance was coming for renewal. It stated no action needed since it is billed through my mortgage. But when I looked at the amount due it seemed high. When I checked it out, I found it was over a 25% increase. If I'd expected that, I would have stayed with my old insurer.

It looks like they valued my house 11% higher, and apparently they adjust rates based on claim payment experience in the state. I don't see an unusual amount of disasters that would cause claims in Massachusetts to rose that much over a year!

I understand now that Progressive does not underwrite the Home policies, so maybe they are the victim too - losing a customer after one year because their partner gave a bait-and-switch premium for their bundle.

Is this a known issue with Progressive or other insurers?

Best City in Canada for commercial insurance career

Hey good people,

I’m facing a career dilemma, very lost and disoriented.

Any tips would be appreciated. Here is a little bit of context.

I’m currently located in Halifax with my family living with me (13&16). I’m level 2 licensed Been in the industry for a year and a half.

I was thinking of moving to ON (Kitchener to be specific) as most of jobs especially in commercial insurance are in ON. The reason I want to be there is for better career opportunities/ bigger economy.

My current financial situation is not the best, my company won’t provide relocation allowance for the transfer but last bit of money I have will be all spent on that move (as I will take my family with me ofc). I will be taking a very high risk financially for a potential “high reward” and a better pay (long term)

So my question is staying in an emerging economy like Halifax worth it? I mean should I wait for 1-2 more years then reevaluate? Or just make the move ASAP and get started

Feel free to ask any questions to have more clarification

Family of 4, with 3yr, 1yr old daughters. They are healthy thankfully, but god forbid, who knows.

The premium of $1000 PPO for next year increased so much that I am considering PPO HDHP + HSA option.

I am currently on Cigna Employee + Family PPO, $1000/$2000 (individual/family) with out of pocket max $5350/$10700 within In-Network with doctor's visit with a flat $15.

I contribute FSA with an annual contribution of $2000

Now, my employer offers Cigna Employee + Family PPO HDHP, $4000/$8000 (individual/family) with out of pocket max $6500/$13000 within In-Network with full priced doctor's visit (20% after deductible though)

Plus, the company contributes $500 annually to new HSA account, and I was planning on contributing $3500 annually.

Now, I am currently paying of $201.23 premium of $1000 PPO + $76.93 FSA contributions = $278.16 bi-weekly

Option1:

If I stayed $1000 PPO option, the premium goes up to, $389.08, plus, i was going to contribute $76.93 to my FSA bi-weekly anyways that adds up to: $466.01 bi-weekly

Option 2:

If I switch to the HDHP plan, it is $148.62 + plus I was going to contribute $134.62 ($3500 annually) = $283.24 bi-weekly

So If I stay $1000 PPO as-is for the next year too, my bi-weekly premium jumps an additional $187.85 bi-weekly ($4884.10 annual)

Now, the company contributes $500 per year to the HSA account, I was planning on contributing $3500 only.

Me, behind my head asks:

"are you going to risk your family's health over a financial decision?"

Its a tough decision.

Your advice is greatly appreciated.

Back ground: With open enrollment my employer has incentivised removing family from our health insurance with a spousal surcharge if your spouse has access to H.I. through their employer. Also mentioned that possible termination for not answering truthfully. My questions: Is it possible for them to find out, and is this legal/ can they fire me for it?

Good morning,

I was just in a minor accident. I was not at fault and have a police report as well as video. I have never been in this situation before but do I need to contact MY insurance and let them know? I have full coverage on my vehicle. I asked the cop and he told me to call theirs and make a claim which I did. But i’m unsure if my insurance has to know? I’ve read that even if it’s not my fault and i call my insurance they could increase my rate. Thanks in advance!

Someone called said they worked for Insurance Co. And was calling for claim from other party. I do not want to communicate. I am not sure a claim was even filed.

How can I check to see if this is real?

Hi! Thank you in advance to anyone who can give their thoughts.

Today's the last day of open enrollment for me. I haven't enrolled in anything yet...I just got married and was planning on going onto my Wife's (Nurse) great insurance, but very stupidly didn't realize that her premium wouldn't just 2x for adding me, but it would instead quadruple. So here we are trying to figure out what I should do for my employer's health insurance plan. There's two plans, a PPO and HDHP. I currently have the HDHP and was able to hit my deductible this year due to a hand surgery. It's been great because I've been able to go to the doctor for many, non serious things that I've been wanting to check in on. So anyways, I'm kind of stuff on whether I should stay with the HDHP or go with the PPO this year. I have a few things that I'm thinking of that is making this decision a bit hard for me:

1.. I like being able to contribute to my HSA as a way to build up some money for future health expenses.

2. I may be having a nose surgery (turbinate reduction) next year...I'm trying to get it scheduled for this calendar year, but not sure if I'll be able to get in on time to take advantage of it being free this year.

3. I started therapy this year and am planning on doing it on a monthly basis in 2025. That alone would make me hit my deductible with either plan.

4. One thing to note is that I don't have/foresee the need to have any prescriptions.

5. Last thing to note is that in-network/out-of-network isn't a factor I'm bringing into the equation because I am planning on making sure everything is in-network.

I've listed out the key details for both plans below:

PPO - $84.90 per pay check premium

• Deductible - $500
• Out of pocket maximum - $1,000
• Coinsurance - 0%
• Preventative, diagnostic tests, imaging - 0%
• Primary, specialist, urgent care visits - $25-$50 copays per visit
• Inpatient, outpatient surgery - 0% after deductible
• Ambulance service - 0%
• Emergency Room - $100 copay per visit (waived if admitted)
• Mental Health Outpatient Services - Office visit; $25 copay per visit; Other outpatient services: 0% after deductible

HDHP - $42.24 per pay check premium

• Deductible - $2,000
• Out of pocket maximum - $2,000
• Coinsurance - 0%
• Preventative, diagnostic tests, imaging - 0% for preventative, 0% after deductible for diagnostic and imaging
• Primary, specialist, urgent care visits - 0% after deductible
• Inpatient, outpatient surgery - 0% after deductible
• Ambulance service - 0% after deductible
• Emergency Room - 0% after deductible
• Mental Health Outpatient Services - 0% after deductible

Posted in r/InsuranceAgent but got removed, so trying here

I have interests in a few companies (restaurants, precision machining, professional services, etc.) and have seen insurance costs go up over the last few years (yes, I know we are in a hard market). When I asked around, I was told most of these businesses have a BOP policy. I thought that a BOP was for smaller shops and not for a '$50k-$75k in annual premiums' type of business. Seems we leave most of these decisions to our agent and I'm trying to better understand our spending.

1. Have BOPs evolved that you can just throw a bunch of endorsements and go upmarket?
2. Is there any benefit in having a BOP vs a commercial package?
3. Is it just easier for my agent to offer a BOP vs. building a package? (aka, should find a new agent?)
4. A buddy mentioned he uses Chubb and that they have specific 'lower middle market' packages? Any insights on Chubb or others you'd recommend?

Hi there, as the title says. I have a UK client who requires Professional Indemnity insurance to become an approved supplier. My coverage in the US is USA and Canada only. Is it kosher to purchase a UK policy as a US company? Hopefully an easy yes! Thanks for weighing in.

I'm at my wit's end dealing with water damage and insurance. It's been 3 MONTHS since the incident, and no repairs have even started! My insurance finally issued a check for $X, but every general contractor (GC) I've contacted has quoted me at least $50k OVER that amount. I've sent the insurance company SIX different quotes, and now they're saying they want to bring in THEIR OWN GC for another estimate. This is ridiculous! I'm stuck in an insurance provided expensive Airbnb, and I just want to go home. Here's what I'm wondering:

• How can I speed this process up? Any advice on getting insurance to move faster?
• Can I start repairs with the money they've already given me? Can I settle the difference later?
• If I accept a GC's offer now, am I on the hook for the extra costs? What are the risks?

Any advice would be greatly appreciated! I'm desperate to get back on my feet. TLDR: Water damage, insurance lowballing, stuck in Airbnb, need help getting repairs started ASAP!

I was in an accident a few months ago when a dumptruck rear ended me on the interstate. He had been driving agressively and weaving in and out of cars, and hit me while trying to get around me in an exit lane. He started to pull over, and right before the exit lane ended, he got back onto the interstate and tried to flee the scene. I followed him for two more miles, honking and waiving him over. The road finally exited into a one lane road, and I was able to get in front of him to get him to pull over. (I woudn't have followed him, but his truck didn't have plates on the back, he only had them on the front of the vehicle) He would not get out of the car, or give me his information. He just said that he had a dash cam to prove he didn't hit me, and then drove off.

I called the police who came out quickly and got my statement. The officer confirmed that the damage to my car was fresh and matched the height of the truck bumper. I got the drivers plate number and photos and video of the driver before he left the scene.

This was a commercial truck that hit me, so I googled the company to track down the owner and driver of the truck. I found that out of the 17 reviews the company has over the past 5 years, 15 of them are related to their reckless driving.

Eventually I was able to get the truck's insurance information from the police and filed a claim with their insurance. They quickly took my statement, and it sounded like we were in agreement that their driver was at fault for the accident. They were waiting to get a statement from the other driver ,but he would not answer or return any photo calls. After being given the run around for over a month, I consulted with an injury attorney. As soon as I told the insurance company I was working with a lawyer, they gave me a quote for the damages to my car (around 30% of what was quoted to me from a body shop) and an offer for a bodily injury payment. But then a few days later, got very cagey and said they can only speak to me through my lawyer.

Fast forward 4 months, and my lawyer has dropped my case because the injury payout was not big enough for them and encouraged me to keep pursuing the case with another lawyer. I called the insurance company to move forward with the claim on my own, and they are now saying they have denied my claim because there was no paint transfer to the other vehicle. But there is no paint missing from my car either, the truck's chrome bumper hit my tail light. And that they never agreed that their driver was at fault.

This insurance company is refusing to put anything into writing, and when I asked for clarification on their reasoning, the adjuster said "I already explained it once, I do not have to explain it again"

They are now offering $1000 for bodily injury, if I sign a waiver releasing the company from any prosecution going forward.

To make this more complicated, I only have liability coverage through my insurance. My policy also has hit and run coverage, and uninsured motorist coverage. Because I was able to track down the driver on my own, its technically not a hit and run accident anymore? And not an uninsured motorist claim, because they have insurance, just refusing to pay. My insurance says I am not at fault for the accident, but they can't help me, and also can't talk to me.

Not really sure what to do here, is my only option going to small claims court? I don't understand how the insurance company can logically say they can't prove the accident happened, so they don't have to pay for damages, but they will pay for the injuries sustained in the accident?

For what its worth, I have 18 years of driving history, and not even a speeding ticket on my record. The last accident I was in was 10 years ago, so I'm not very familiar with the insurance process, but this does not seem right at all...

For those that work in health insurance, is it actually possible that the ACA could be repealed now that Trump has been elected and the Republicans control the Senate? Will we be going back to denying health insurance, a basic right, to those with pre-existing conditions?

I was hired into a mess (short staffed agency) and worked 6 weeks of chaos until this week when I was thrown I to my OTL course. My coworker has marked up all of the books and added all these tabs and her own notes and such. It's very distracting but she kept insisting that this exam is open book and it will help me.

I'm writing my exam in less than two weeks and I can't find a thing that says the OTL is open book. I am also extra frustrated because if that's the case, I would have preferred to purchase my own unmarked books so I could do my own retaining process. I am so frustrated right now. Anyone know why she would think it is open book?

I was wondering.. if the other party’s insurance sent me an estimated check, but then after the repairs and picking up the vehicle, it was already paid in full by them again on paper. Do I keep the check? Was it a mistake? Things I should expect or know? Does this make sense?

Was in a Car Accident. Got a bill from Recipient for a property damage. Recipient is a valid giant organization (like a government). I gave this bill to my auto insurance. The Auto Insurance said they sent a payment to the Recipient.

After a few weeks, I checked with the Recipient for status. Recipient states they have not received the payment. I checked with my Auto Insurance, and they said that the check payment they sent has not been cashed.

After a few more weeks, Recipient sends another copy of bill saying it's is now past due and in a month, they may refer me to collections. Recipient asked if I can provide proof that check has been cashed by them.

I contacted my auto insurance again; they said that their initial check payment has not yet been cashed, but they went ahead and re-issued the payment and sent a screenshot. Screenshot did show the correct mailing address of Recipient, per the recipient's instructions, etc.

I mentioned that there's a re-issue and sent the screenshot to Recipient.

After a few more weeks, I checked with the Recipient again and they still say they have not received payment. I checked again with auto insurance and insurance said the check payment has not been cashed.

Is there else something or more I can do or ask? I really don't know what's happening to this payment.

What if I tell the Auto Insurance if I can just pay the bill myself to avoid all of this going to collections? The amount is manageable enough and the Recipient's address is close enough. But would that cause issues with the Auto Insurance and my car coverage?

I feel trapped between two giant forces, and it's my name on the line

Hi, I'm in the UK and this is a question about home insurance.

I've got a long-running insurance claim going after an escape of water in my kitchen. After a couple of months of my insurance company being difficult, I hired a specialist company to manage my claim and do the restoration work.

We are now parting ways with the company after some of the building work went wrong but in order to calculate how much we needed to pay them for work already done, I asked for a full breakdown of the quote the sent to the insurance company with prices for each item.

I know from the quote the kitchen supplier submitted that the units came to approx £6400 plus VAT. However, the building company have charged the insurance company around £9900 plus VAT. I am seeking an explanation for this, but I know they add what they call an "uplift" to anything they supply, as we were going to order some extra kitchen units through them and they wanted to charge us an extra 20% on top for doing so. I suspect they may have done this with the kitchen quote.

However, this is more than 50% of the actual cost added on top, which seems excessive. I'm also thinking that if I was dealing with the insurance company directly, and I did this, I'd get in trouble for fraud! Is this an example of exaggeration fraud?

My sister in law dented her door at the gas station on the poles near the pumps. The suv has comp and collision but I'm thinking due to the value it might end up being totaled vs repaired. I think it needs another door. I don't know the status of the claim or what the shop has said. I'm wondering if anyone with access can share what a 2011 Ford Explorer XLT with 135k miles is valued at in TX. It's 2wd no sunroof and has leather seats. It runs great and besides the door it looks good.

I had a bicycle accident in Toronto, Canada, where I was the cyclist. A car ran over me while driving at 30 km/h, and the driver was at fault. As a result of the accident, I couldn’t work for 4 weeks due to the injury. I am still experiencing lower back pain and a minor tissue injury, and it has now been 2 months since the incident occurred. I continue to attend physiotherapy and see a massage therapist once a week for recovery.

The insurance company has already paid out the cost of my e-bicycle, which was approximately CAD 5,000, as well as property damage, including my damaged clothing, helmet, and other items, totaling about CAD 1,000. They have also provided partial compensation for my lost wages. I earn around CAD 1,635 per week, but the insurance company only paid CAD 1,500 for the 4 weeks of lost wages, which is short by CAD 4,000. Additionally, the insurance company has been covering the cost of my physiotherapy and massage treatments (once a week for each).

Given the above, how much settlement should I expect?

Hi guys,

Can anybody help me, I have insurance with Pembridge company.

Recently, my car got stolen and then the cops find it, and it is not in good shape.

it's been a month i didn't receive any email from the adjuster and i tried emailing calling but no response.

What can i do to reach out and get to know about this ?

And usually for how long it takes to get this all settle?

Hey y’all! So my car to totaled, sad. Thank goodness for gap insurance! My insurance paid about $22000 and I had about 6500 left as a payoff amount for gap insurance. The gap ended up paying 7400. This morning I saw the payment and now when I log in it says the accounts closed and I can’t view any information. Where does this overpayment go? Does finance company keep it, does it get sent back to go or come to me?

So I’m a 19 year old driver and I was previously with the general and I was paying around 240$ just for liability alone, this year I had to renew insurance and it dropped to around 200, I got a quote from Liberty Mutual for 50$ I immediately went ok and signed the online papers and my first payment will go through on the 9th? Is this normal it seems like this will change but I already signed the papers online.

Hello, I'm currently studying for CPCU designation and will be completing 500, 520 and 530 by next spring. However, I recently got an underwriting internship at a life insurance company starting next summer. Do you think it is worth it to continue on finishing my CPCU designation, or should I focus on life-insurance specific designations? Thank you!

So this may be a bit of an interesting one.

I purchased my home in 2021 and got coverage through Progressive. However, the policy itself was issued by Homesite Insurance Company of Georgia. I believe this was pursuant to OCGA 33-24-32(a), which provides:

Two or more authorized insurers may jointly issue and shall be jointly and severally liable on an underwriters’ policy bearing their names. Any one insurer may issue policies in the name of an underwriter’s department and the policy shall plainly show the true name of the insurer.

The policy says "Underwritten by" and "Issued by" Homesite.

I shopped my insurance at renewal time and got a lower rate from Geico. However, I just received a notice tonight that they are canceling the policy within the initial 60 days because they say I need a new roof. The kicker? Geico's policy was also "Underwritten by" and "Issued by" Homesite Insurance Company of Georgia. So even though I applied for coverage under a different company, I believe that these are actually considered issued under the law by the same insurer.

My questions would be:

1. Do you think there is any chance to contest this as a "nonrenewal" outside of the 60-day period due to the prior coverage from the same insurer? This would trigger protections under OCGA 33-24-46.

2. If not--and I am leaning towards this #1 being "no" because I changed some coverage terms, so it's technically not a renewal--would there be any chance of basically playing Homesite against itself? Not fraudulently, just: "You are saying there is damage to the roof. This damage must have happened under the old policy from Homesite or the new policy from Homesite. In either case, I would like to make a claim under Homesite for the damage, and you can fight it out internally as to if the damage should be under the 'Progressive' Homesite policy or the 'GEICO' Homesite policy."

I hit a deer and it’s not terrible but the cost so far is pretty high and the guy that did the estimate at the shop I went to thinks the adjuster will estimate a higher number than he did. I know by state it’ll vary, but I live in Illinois. Thursday the insurance adjuster is coming to look at my jeep. I have a 2018 jeep grand Cherokee.

Cash value is around 15k-17k on KBB

Cost to repair so far is 7300 so far. That’s just visual damage, they have not looked behind the bumper, quarter and panel. Might be an engine mount that got knocked loose too. He estimated 7300 but we both think the adjuster will put it around 8000. And when they put in the shop I still expect that number to go up once they look more into it.

Salvage value: I’d put it around 9600. 32,000-34,000 when it was new. 7 years old at 10 percent depreciation is around 9.6k to 9.7k

Opinions? Is it worth saving? Is it a total loss just by those numbers?