Honestly the states on fire, literally and figuratively, at all times, but that’s okay, because at least I don’t have florida on my plate tbh, rampant fraud, lawsuits, hurricanes, flooding, and terrible oversight. It’s not even a political thing, like Louisiana deals with all the same issues and doesn’t have a collapsed insurance market. I’m surprised more insurers aren’t leaving or tightening guidelines to push people to E&S markets. Around hurricane Ian and in the wake of it a wave of insurers left the state.

My bad, I default assumed it was just the nj doi, I work for an insurer but I handle our southwest region, never interacted with the nj dobi directly or came across that. Most of the doi-s I’ve worked with are simply named like cdi, California department of insurance. Good to know though thank you.

If you can’t make progress with the insurance company, you can file a complaint with the nj doi (department of insurance). Should help get your complaint looked at properly, with no run around.

Yeah but this isn’t like a personal thing,

I work in insurance as a rate analyst, I review my companies filed p&c rates as well as our competitors, geico included.

The second half of 2022 for the insurance industry was very rough on auto lines. Companies are seeing combined ratios well over 100 (CR measures profit, a cr of 110 implies you spent 1.10, for every 1 of premium written, it’s the loss+the expense ratio), and essentially driving levels have returned to pre pandemic levels, but we are seeing much higher frequency and severity of crashes. Tack onto that the rising cost of rentals/ loss of use coverage payouts, supply chain issues extending repair times and therefore increasing costs, and the lack of skilled labor causing labor rates to rise all result in the rate need for auto.

While it certainly doesn’t feel fair or just, the rate increases insurers take are justified. And if geico is raising rates say 15%, odds are their actuarial support indicates a much larger rate need to maintain profitable books.

It’s really only very recently that companies have started pushing for their full actuarial indications as rates. Insurance rate was a hard sell the past couple of years with the various state DOIs

Also depending on all of your characteristics, your individual increase may be higher than someone else’s, but it’s all filed, anyone else with your same history/characteristics is paying that price/ receiving that rate increase also

Also I can get the actual answer, but I’m almost certain geico has taken auto rate in more states than not, so it’s not nj, Geico in any state is more expensive this year than last upon renewal

To my house, I’ll just cover my plates w em Free tolls baby! Thanks a bunch friend

So this one time I totally forgot I had jury duty and went to work like normal, At about 3 pm I said oh shit and called to say “I forgot to show up today” and the lady on the phone was super nice and just rescheduled it and said don’t miss it again.

So in my experience, you can miss it and own up to it and get it rescheduled without consequence, if they don’t help you out in advance.

Hopefully calling and letting them know will be enough though, I never had to go as a student

Did you ever get your new policy? Like at any point was it confirmed by the insurance company that’s supposed to be covering you that you had coverage?

Seems like for a month all you had was that confirmation email from get covered but no policy/ new insurance card etc. and then you went to the doctor anyway?

Did you ever login to the platform you’re provider has to verify you’re enrolled/covered?

Didn’t feel anymore aggressive than TripAdvisor is high for liking part of nj

Did you just come to r/NewJersey to shit on one of the hidden jewels of jersey? The only people who don’t know newark is the absolute bomb are the people who haven’t been or are scared of minorities