Covered Egg
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A reader column

Ask George.

Stumped by a rate increase, a denied claim, or a renewal notice that makes no sense? Send it over. I read the filings for a living — odds are I can tell you what's actually going on, in plain English.

Insurance is deliberately hard to read. The rate on your renewal is the end of a long paper trail — a rating plan filed with your state, an actuarial memo justifying it, exhibits full of factors and tier definitions. Most of it is public, and most people never see it.

That's the gap I try to close here. Ask me why your premium jumped, whether an increase looks justified next to what the carrier filed, how a coverage decision is supposed to work, or what a line on your policy actually means. I'll dig into the filings where I can and answer the questions that'll help other readers too.

I can't give you legal advice or settle a dispute with your carrier — but I can tell you what the public record says, how the rating math works, and where to push. The good questions get answered below.

Leave your email if you'd like a reply directly; it's optional, and I won't publish it. Skip the name field and your question runs anonymously.

George Miller Reads insurance filings so you don't have to.

From the mailbag

Recent reader questions, answered. Names are used only with permission; everything else runs anonymously.

No answered questions yet — be the first to ask. The best ones get published here.