# Insurance **URL:** https://community.clark.com/c/insurance/7.md [Latest](https://community.clark.com/latest.md) · [Categories](https://community.clark.com/categories.md) · [Tags](https://community.clark.com/tags.md) --- ## [About the Insurance category](https://community.clark.com/t/about-the-insurance-category/16)
**Author:** [@james](https://community.clark.com/u/james)\ **Replies:** 0
Car insurance, home insurance, life insurance, and everything in between. Share your insurance questions and dilemmas here. --- ## [Delta Medicare Advantage dental plans are STINKAROOS!](https://community.clark.com/t/delta-medicare-advantage-dental-plans-are-stinkaroos/9856)
**Author:** [@Henrius](https://community.clark.com/u/Henrius)\ **Replies:** 0\ **Last updated:** [September 12, 2026, 1:37am UTC](https://community.clark.com/t/delta-medicare-advantage-dental-plans-are-stinkaroos/9856 "2026-09-12T01:37:30Z")
You can always tell when insurance companies are desperate. We dentists receive all sorts of mailings, e-mails, and sales calls begging use to sign up to treat patients on their latest and “greatest” dental benefit plan. … --- ## [Standalone Umbrella Policy Recommendations](https://community.clark.com/t/standalone-umbrella-policy-recommendations/9537)
**Author:** [@James\_Horn](https://community.clark.com/u/James_Horn)\ **Replies:** 9\ **Last updated:** [July 12, 2026, 6:25pm UTC](https://community.clark.com/t/standalone-umbrella-policy-recommendations/9537 "2026-07-12T18:25:47Z")
Along with homeowners and auto I’ve had an umbrella policy through USAA for several years. In two years the umbrella policy has gone from $260 to $1009 for the same one million coverage with no claims on any of the poli… --- ## [Doctor double dipping?](https://community.clark.com/t/doctor-double-dipping/7272)
**Author:** [@ladybuglake](https://community.clark.com/u/ladybuglake)\ **Replies:** 11\ **Last updated:** [June 13, 2026, 12:37am UTC](https://community.clark.com/t/doctor-double-dipping/7272 "2026-06-13T00:37:35Z")
my daughter went to a doctor who took what medicare should have paid up front, and medicare said never to do that as they will pay. Now the doctor will not pay it back, even though medicare is paying. --- ## [Is Life Insurance Really Necessary, or Just Something We Overthink?](https://community.clark.com/t/is-life-insurance-really-necessary-or-just-something-we-overthink/9256)
**Author:** [@noni1](https://community.clark.com/u/noni1)\ **Replies:** 5\ **Last updated:** [June 9, 2026, 6:25am UTC](https://community.clark.com/t/is-life-insurance-really-necessary-or-just-something-we-overthink/9256 "2026-06-09T06:25:30Z")
I’ve been looking into life insurance lately, and honestly, it feels like one of those things most of us keep putting off. It’s not really fun to think about, but at the same time, it kind of makes sense when you think a… --- ## [Home insurance claim for roof](https://community.clark.com/t/home-insurance-claim-for-roof/9224)
**Author:** [@pdk](https://community.clark.com/u/pdk)\ **Replies:** 2\ **Last updated:** [May 5, 2026, 12:52pm UTC](https://community.clark.com/t/home-insurance-claim-for-roof/9224 "2026-05-05T12:52:05Z")
Hello, My home insurance company told me I had to replace my roof or they would drop me. I did replace it. $19,500. Then, they were a pain about me documenting proof. I’m thinking about dropping them out of principle. I… --- ## [Is it really worth getting insurance, or am I just overthinking it?](https://community.clark.com/t/is-it-really-worth-getting-insurance-or-am-i-just-overthinking-it/9136)
**Author:** [@noten](https://community.clark.com/u/noten)\ **Replies:** 8\ **Last updated:** [April 29, 2026, 6:19pm UTC](https://community.clark.com/t/is-it-really-worth-getting-insurance-or-am-i-just-overthinking-it/9136 "2026-04-29T18:19:16Z")
I’ve been thinking a lot about getting insurance lately as i want to be more financially secure and prepared for unexpected situations. i have been experiencing confusion about which type of insurance actually makes sens… --- ## [Whole life insurance](https://community.clark.com/t/whole-life-insurance/9159)
**Author:** [@Codagirl57](https://community.clark.com/u/Codagirl57)\ **Replies:** 9\ **Last updated:** [April 24, 2026, 6:35pm UTC](https://community.clark.com/t/whole-life-insurance/9159 "2026-04-24T18:35:41Z")
I’m trying to decide whether to keep my $25,000 whole life policy or not. I’m single, retired and don’t have any dependents. I’ve had it for 4 years and pay $92.00 per month. The surrender value is $1,326, the cash value… --- ## [Ambulance insurance](https://community.clark.com/t/ambulance-insurance/9077)
**Author:** [@ladybuglake](https://community.clark.com/u/ladybuglake)\ **Replies:** 9\ **Last updated:** [April 23, 2026, 4:37pm UTC](https://community.clark.com/t/ambulance-insurance/9077 "2026-04-23T16:37:27Z")
i went to a seminar of ambulance insurance, which includes use of helicopter. Is there a company who sells reasonable ambulance insurance? How do I know where my catchment area is? The speaker said if you are several… --- ## [USAA Claims Process](https://community.clark.com/t/usaa-claims-process/8835)
**Author:** [@cpk2001](https://community.clark.com/u/cpk2001)\ **Replies:** 14\ **Last updated:** [March 27, 2026, 3:28pm UTC](https://community.clark.com/t/usaa-claims-process/8835 "2026-03-27T15:28:04Z")
I have been with USAA for 45 years. I have filed one claim for auto in 1996. A few months ago a woman rear ended me. I attempted to work it out with the husband but it did not work so I filed a claim with USAA. The claim… --- ## [How early should I shop for home and auto insurance prior to renewal?](https://community.clark.com/t/how-early-should-i-shop-for-home-and-auto-insurance-prior-to-renewal/6071)
**Author:** [@JPW050](https://community.clark.com/u/JPW050)\ **Replies:** 7\ **Last updated:** [March 26, 2026, 8:38pm UTC](https://community.clark.com/t/how-early-should-i-shop-for-home-and-auto-insurance-prior-to-renewal/6071 "2026-03-26T20:38:13Z")
I currently have an annual policy which bundles my home and auto insurance coverage. It is due to be renewed in November. How early should I shop for insurance? Should I wait until I get a renewal notice or is it bett… --- ## [Auto Claim Where Insurer Wants to Total Car](https://community.clark.com/t/auto-claim-where-insurer-wants-to-total-car/8850)
**Author:** [@cpk2001](https://community.clark.com/u/cpk2001)\ **Replies:** 14\ **Last updated:** [March 26, 2026, 8:27pm UTC](https://community.clark.com/t/auto-claim-where-insurer-wants-to-total-car/8850 "2026-03-26T20:27:48Z")
Hello. Has anyone found a way around the policy by insurers where they simple total the car rather than have it fixed? We have two older vehicles with low mileage and in excellent condition. A woman rear ended me and I a… --- ## [Company provided health plan](https://community.clark.com/t/company-provided-health-plan/9083)
**Author:** [@MattN504](https://community.clark.com/u/MattN504)\ **Replies:** 2\ **Last updated:** [March 19, 2026, 1:41am UTC](https://community.clark.com/t/company-provided-health-plan/9083 "2026-03-19T01:41:23Z")
The company I work for offers a health plan from Philadelphi American Life Insurance Co. First Health Network, Limited Benefit. I had to pressure the representative for the health plan company to say that this was not a… --- ## [Umbrella policy](https://community.clark.com/t/umbrella-policy/8927)
**Author:** [@bws2](https://community.clark.com/u/bws2)\ **Replies:** 4\ **Last updated:** [March 14, 2026, 3:33am UTC](https://community.clark.com/t/umbrella-policy/8927 "2026-03-14T03:33:20Z")
I’m trying to determine which if a 1 million would be enough or would 2 million be more appropriate. Most of my assets are in retirement accounts and my primary residence. Do I need an umbrella to cover these type of … --- ## [Has anyone used POLICYGENIUS.COM to shop and compare insurance policies?](https://community.clark.com/t/has-anyone-used-policygenius-com-to-shop-and-compare-insurance-policies/6158)
**Author:** [@JPW050](https://community.clark.com/u/JPW050)\ **Replies:** 2\ **Last updated:** [February 11, 2026, 6:51pm UTC](https://community.clark.com/t/has-anyone-used-policygenius-com-to-shop-and-compare-insurance-policies/6158 "2026-02-11T18:51:38Z")
Has anyone used POLICYGENIUS.COM to shop and compare insurance policies? I have not seen any reviews or feedback about the site. --- ## [Sams car insurance](https://community.clark.com/t/sams-car-insurance/8897)
**Author:** [@ladybuglake](https://community.clark.com/u/ladybuglake)\ **Replies:** 3\ **Last updated:** [February 5, 2026, 1:47am UTC](https://community.clark.com/t/sams-car-insurance/8897 "2026-02-05T01:47:13Z")
. Is Sam’s car insurance a good deal, and how much do i save without an agent? --- ## [Warning: Never Get Roadside Assistance From Your Insurance Provider](https://community.clark.com/t/warning-never-get-roadside-assistance-from-your-insurance-provider/716)
**Author:** [@ochotona](https://community.clark.com/u/ochotona)\ **Replies:** 23\ **Last updated:** [February 2, 2026, 9:08pm UTC](https://community.clark.com/t/warning-never-get-roadside-assistance-from-your-insurance-provider/716 "2026-02-02T21:08:20Z")
Warning: Never Get Roadside Assistance From Your Insurance Provider (clark.com) USAA counted roadside assistance as an at-fault claim, which tied us to them until that event dropped off and our scores improved Then afte… --- ## [Anyone else getting sticker shock for home owner's insurance?](https://community.clark.com/t/anyone-else-getting-sticker-shock-for-home-owners-insurance/8760)
**Author:** [@charlieg](https://community.clark.com/u/charlieg)\ **Replies:** 15\ **Last updated:** [January 28, 2026, 7:01pm UTC](https://community.clark.com/t/anyone-else-getting-sticker-shock-for-home-owners-insurance/8760 "2026-01-28T19:01:14Z")
So, I’m up for renewal with Allstate. This year’s annual bill is up 78%. To say I am shocked is an understatement. My auto insurance, while still too high has dropped a bit. I’m a senior citizen and drive less than 5… --- ## [What to know about Whole Life Insurance](https://community.clark.com/t/what-to-know-about-whole-life-insurance/8723)
**Author:** [@p1g1](https://community.clark.com/u/p1g1)\ **Replies:** 1\ **Last updated:** [December 16, 2025, 2:45pm UTC](https://community.clark.com/t/what-to-know-about-whole-life-insurance/8723 "2025-12-16T14:45:04Z")
I was contacted by an insurance agent during my 30’s when I had two young children. I was fortunate to have a friend who had worked after college for a few years selling life insurance. He told me to ignore the fancy bro… --- ## [Homeowners/Bundle Insurance with Costco v AARP v Broker](https://community.clark.com/t/homeowners-bundle-insurance-with-costco-v-aarp-v-broker/8400)
**Author:** [@Raoul\_Zaragoza](https://community.clark.com/u/Raoul_Zaragoza)\ **Replies:** 8\ **Last updated:** [October 31, 2025, 3:04am UTC](https://community.clark.com/t/homeowners-bundle-insurance-with-costco-v-aarp-v-broker/8400 "2025-10-31T03:04:38Z")
Hello, does anyone have experience purchasing Homeowners insurance from Costco or through AARP? Is the process any different as dealing with traditional insurance brokers? Of course I’m looking for best rates and coverag… --- ## [Not cover teen drivers on auto insurance?](https://community.clark.com/t/not-cover-teen-drivers-on-auto-insurance/8435)
**Author:** [@Rafa](https://community.clark.com/u/Rafa)\ **Replies:** 4\ **Last updated:** [October 24, 2025, 6:52am UTC](https://community.clark.com/t/not-cover-teen-drivers-on-auto-insurance/8435 "2025-10-24T06:52:50Z")
Two years ago, I added my first teenager to our auto insurance, and the total cost of our policy doubled. I just added my second teenager, and the cost nearly doubled again. Two friends told me that we are not required… --- ## [Auto insurance comparison](https://community.clark.com/t/auto-insurance-comparison/8458)
**Author:** [@elainespain62](https://community.clark.com/u/elainespain62)\ **Replies:** 0\ **Last updated:** [October 16, 2025, 8:30pm UTC](https://community.clark.com/t/auto-insurance-comparison/8458 "2025-10-16T20:30:00Z")
Best Auto Ins Quotes --- ## [The Amica experience gets worse.](https://community.clark.com/t/the-amica-experience-gets-worse/8343)
**Author:** [@Mwilcox12023](https://community.clark.com/u/Mwilcox12023)\ **Replies:** 2\ **Last updated:** [September 22, 2025, 2:14pm UTC](https://community.clark.com/t/the-amica-experience-gets-worse/8343 "2025-09-22T14:14:31Z")
Clark raves about Amica, but my experience has been awful Every time I call the reps phone is busy, so i get a different rep. Every rep has a different story, eg refund amount, and reps take action without communicatin… --- ## [Car accident percentage of responsibility question](https://community.clark.com/t/car-accident-percentage-of-responsibility-question/7865)
**Author:** [@dogandcatmom](https://community.clark.com/u/dogandcatmom)\ **Replies:** 0\ **Last updated:** [June 27, 2025, 2:28pm UTC](https://community.clark.com/t/car-accident-percentage-of-responsibility-question/7865 "2025-06-27T14:28:17Z")
My daughter was recently in a car accident in Georgia when the other driver was backing out of a parking spot at a gas station and a large truck parked next to her was obstructing the view. The driver’s insurer after in… --- ## [Special enrollment](https://community.clark.com/t/special-enrollment/7643)
**Author:** [@KeepinItReal](https://community.clark.com/u/KeepinItReal)\ **Replies:** 5\ **Last updated:** [June 16, 2025, 9:29pm UTC](https://community.clark.com/t/special-enrollment/7643 "2025-06-16T21:29:30Z")
We moved from Atlanta to South Carolina about 3 weeks ago. I still have my GA Medicare Advantage plan (via Humana). I am 74 yrs old. I talked to a Humana agent on the phone to get my address changed on my account and was… --- ## [Term Life for Travelers / Expats?](https://community.clark.com/t/term-life-for-travelers-expats/7766)
**Author:** [@pizzadoom](https://community.clark.com/u/pizzadoom)\ **Replies:** 0\ **Last updated:** [June 2, 2025, 5:06pm UTC](https://community.clark.com/t/term-life-for-travelers-expats/7766 "2025-06-02T17:06:40Z")
What insurance companies are recommended for people who may travel or live abroad? We’re interested in term life. So far we received an expensive quote from State Farm and were declined by Fabric (Gerber) online, presum… --- ## [Widow's / Widower's "Tax" for Car Insurance Illegal in Texas](https://community.clark.com/t/widows-widowers-tax-for-car-insurance-illegal-in-texas/7732)
**Author:** [@ochotona](https://community.clark.com/u/ochotona)\ **Replies:** 1\ **Last updated:** [May 28, 2025, 7:55pm UTC](https://community.clark.com/t/widows-widowers-tax-for-car-insurance-illegal-in-texas/7732 "2025-05-28T19:55:32Z")
Senate Bill 1238, written by state Sens. Lois Kolkhorst (R-Brenham) and Mayes Middleton (R-Galveston), will make it illegal for insurers to discriminate against people whose spouses have died by reclassifying them as “si… --- ## [Heads up on Credit Unions and Insurance](https://community.clark.com/t/heads-up-on-credit-unions-and-insurance/7679)
**Author:** [@AndrewB](https://community.clark.com/u/AndrewB)\ **Replies:** 0\ **Last updated:** [May 21, 2025, 2:29pm UTC](https://community.clark.com/t/heads-up-on-credit-unions-and-insurance/7679 "2025-05-21T14:29:21Z")
Just as a heads up, I re-shopped my auto insurance this year and couldn’t find any real improvements from what I already have or many companies that were offering it. My credit union advertised that they have their own … --- ## [Long Term Care insurance](https://community.clark.com/t/long-term-care-insurance/5391)
**Author:** [@WJBertrand](https://community.clark.com/u/WJBertrand)\ **Replies:** 22\ **Last updated:** [April 8, 2025, 2:57pm UTC](https://community.clark.com/t/long-term-care-insurance/5391 "2025-04-08T14:57:30Z")
I have a long term care insurance policy that I’ve been paying about $837/quarter for the premium. I just received a notice of premium increase to $985/quarter. The company has provided me 3 options: Just pay the incre… --- ## [Life insurance after 80](https://community.clark.com/t/life-insurance-after-80/7417)
**Author:** [@Frugalconsumer](https://community.clark.com/u/Frugalconsumer)\ **Replies:** 1\ **Last updated:** [April 8, 2025, 11:52am UTC](https://community.clark.com/t/life-insurance-after-80/7417 "2025-04-08T11:52:51Z")
This is my experience with my whole life insurance company. YMMV. After I reached 80 my insurance leaped from $188 a month to over $500. My insurance company stated they sent me a notice of the increase before I reached … [Next page](https://community.clark.com/c/insurance/7.md?page=1)