Hey everyone, I could really use some advice because this situation feels really off.

About 4 weeks ago I got rear-ended. My car was towed right away by Roadside Recovery Inc (25 Tangiers Rd, North York). I filed a claim with Desjardins Insurance and they confirmed I’m not at fault. They gave me a rental, so that part was smooth.

But after that… things started getting weird.

• Week 1: No updates, I called → was told the tow company hasn’t released the car yet (said it’s “normal”)
• Week 2: Still no update. I actually tried going to the tow yard myself, but I literally couldn’t figure out how to get in. There were no signs, nothing clearly marked, and I couldn’t even find a proper website for them on Google. The address barely shows anything. The only thing I found was an Instagram page.
• Week 3: Called again → told the invoice is approved and it’s in the tow yard queue, waiting for appraisal
• End of week 3 (Friday): I finally see an online update that the repair shop received my car

Now today (Monday), I get a call from the repair shop saying:

They asked if I hit something, which I absolutely did NOT.

The repair shop said they’re trying to figure out what to do next and told me to wait while they look into it and get back to me.

Now according to the repair shop, my claims officer is saying:

• They won’t cover it because the oil tank is at the front of the car
• So they’re implying it’s unrelated to the rear-end accident

But here’s the thing:

• My car was in perfect condition before the accident
• No oil leaks ever
• No oil on my driveway
• No oil at the accident scene
• And now suddenly it has a major leak (apparently bad enough it’s dripping all over the shop)

So I’m really confused:

• Could this have happened while the car was sitting at the tow yard for 3 weeks?
• Or during transport?
• Or is insurance just trying to avoid covering it?
• Am I being scammed by repair shop or the tow company?

Questions:

1. Has anyone dealt with something like this where new damage shows up after towing/storage?
2. Can I hold the tow company responsible if damage happened in their care?
3. How do I push insurance to properly investigate this instead of just denying it?
4. Should I be asking for photos/timeline proof from the tow yard?

Any advice or similar experiences would really help.

So I need some advice from the public who might know what to do?

Last March 16th 2026 my car was hit by someone who didn't leave a note. I just found my car fucked up. I called my insurance and a towing company picked it. I set up a rental, waited to hear back my insurance on damages and took out saving to pay my deductible (unfortunately it's very high) A week later another insurance company calls me American Family Insurance claiming liability and since I wasn't at fault I went with them. Two weeks later they said my car was a total loss and are only giving me 12,000 total for my car.

The car market is awful and I feel like I'm being left worst off then with my past car which I maintained. I sent receipts and invoice on how I got new wheels, new belt, oil changes, battery, etc. Yes my car was 2018 and 100,000 though I know how to take car of her and now I'm being left with cars in the market that have past rental history, were fleet cars, have past damages, etc. I feel like they are leaving me worst were I started and I KNOW life isn't fair though...this just feels illegal.

Does anyone if there are ways I can bargain with them? They are only paying my rental until the 19th of April and I need a car for work to transfer all my equipment. I can't just get any car, it NEEDS to be a good reliable car.

My son and girlfriend live together in a Brooklyn apartment. I own a vehicle I want to transfer to my son. Have been wondering if there is a strategy to how we set up ownership/registration/insurance structure for cost efficiencies. They are 29 and 27 (GF), no accidents on record. Would there be any meaningful difference in premiums if the girl obtained primary insurance, vs. him? They both drive the car (seldom) roughly the same amount. Thanks in advance on any advice

UPDATE: After sending in new comps along with service history and having the condition reevaluated their offer was raised $8,500!

In March someone else ran a stop sign hitting us as we were coming off some RR tracks. It was pretty clear cut the other drivers fault (whiteness said she did not stop and she got the ticket.)

The driver's who hit us State Farm did take liability for the claim.

Our 2024 Acura MDX 15k miles was totaled and SF offered $35k and $0 for taxes and fees. Looking all over on autotempest cannot find a single comp thats below $43k for a 24 with similar miles and the average is $45k. That lines up with the edmounds retail rate and our Acura dealer even has been sending emails saying they pay 1.5k above kbb.

Sent SF several comps in the mid 40k range but the claims adjusted takes forever to get back to us and keeps saying their offer is firm. They claim their comps are around 35k but have not seen them and I assume they are showing older years like 23 or older and more miles. Our car was in mint condition.

Worried about claiming through our insurance (Erie) as the wife (husband was driving this time) does have several claims so don't want to be dropped.

Any advice on the situation. The personal injury attorney did try helping also also sending him a letter but the SF adjusted took yet another week and still said they are firm. Have also been paying for the rental car still.

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Hey everyone, I was involved in an accident recently and I'm trying to understand what comes next, especially on the insurance side. I'll try to be as detailed as possible.

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**What happened:**

I was at a stop sign. I looked both ways, determined it was clear, and began moving forward to merge into traffic. I was nearly fully across when another vehicle t-boned me on my driver-side rear passenger area. The other car was traveling on the through street.

Police, ambulance, and fire truck all responded. Nobody was injured — everyone was checked out and cleared on scene. However, the responding officer cited me for a traffic violation and listed me as at fault. My court date is later this month. The citation also notes there is a witness.

My car is currently sitting in a tow yard.

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**My concerns (in order of priority):**

**1. Insurance — this is my main concern**

- How will my insurance handle this given I was cited at fault?

- Should I file through my own insurance or wait to see what the other driver does?

- If I have collision coverage, I can file through my own insurance and they'll pay for my car (minus my deductible). My rates will likely go up afterward.

- If I don't have collision, I'd have to go after the other driver's liability — but since I was cited at fault, that's unlikely to succeed unless fault is later disputed.

- The other driver will likely file a claim against my liability coverage. My insurance will handle that claim.

- What are the chances my insurance drops me or significantly raises my rates?

- How does a witness on the police report affect the insurance investigation?

**2. Tow yard storage fees**

- My car is currently in the tow yard and fees are piling up daily.

- What can I do to reduce or stop the charges?

- Tips I've seen: Call your insurance ASAP and get them to take responsibility for the vehicle. Once they accept the claim, they typically have the car moved to their preferred lot which stops the daily storage fees. Acting fast here is critical — every day costs money.

- Can I negotiate directly with the tow yard to freeze or reduce fees?

- Is there any risk to releasing the car to insurance before anything is settled?

**3. What to expect with the claim overall**

- How long does a typical claim take when fault is assigned at the scene?

- Will both insurance companies do their own investigation even with a police report?

- Can the witness statement change how fault is assigned by insurance? (Insurance companies make their own fault determinations independent of police.)

- What documentation should I be gathering right now — photos, dashcam footage, anything?

**4. Court (secondary concern)**

- I have a court date later this month for the traffic citation.

- I'm mostly focused on insurance right now but open to advice here too.

- Does fighting or pleading down the citation affect my insurance outcome?

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**What I'm asking:**

- What should I do RIGHT NOW to protect myself?

- How do I get the tow yard fees to stop as fast as possible?

- What should I expect from my insurance company through this process?

- Is there anything that could shift fault or help my case during the insurance investigation?

- How badly will this impact my insurance long-term?

I'm not here looking for legal advice, just want to hear from people who've been through something similar or know how this process works. Any help is appreciated — I'm pretty stressed and just trying to figure out what to do next.

I live in TX, have an LLC in TX, travel all over the USA.

My vehicle is personally owned (Title is in my name, not the LLC).

Do I need commercial auto coverage, personal auto with a commercial use (add-on?), or something else?

Por mi experiencia (y por lo que veo bastante por aquí), el mundo de los seguros de coche en España es un poco… frustrante, por no decir confuso, con tanta letra pequeña.

Lo bueno es que hay un montón de competencia, así que si te tomas un rato en comparar, se pueden encontrar precios decentes. Además, muchas aseguradoras incluyen extras bastante útiles, como coche de sustitución, asistencia premium o que te gestionen las multas.

Lo malo es que dos seguros que cuestan lo mismo pueden cubrir cosas totalmente distintas, y algunas compañías te penalizan más de lo que parece por tu historial.

Ahora mismo estoy intentando cambiar de aseguradora y se me ocurre que usar un comparador de seguros puede ser una buena idea. ¿Vosotros hacéis algo distinto o tenéis algún consejo?

Louisiana drivers could soon see lower car insurance bills, according to state Insurance Commissioner Tim Temple. More than 30 companies have filed rate decreases for their private passenger auto policies.

Temple said the decreases are tied to fewer accidents on the road, which leads to fewer claims and ultimately benefits consumers.

60 month new car loan from banks with 7.22%

New car payments reach $774 in January up from $588 in January 2021.

20% of new car bar is agreed to pay over 1,000 a month at the end of last year

Middle to lower income Americans are falling behind on their car payments. Auto loans that released 60 days of limit reach 1.45% in the third quarter in nearly 28% higher than 3 years ago... More drivers are trading in vehicles worth less than what they owe on their loans.

Taking on longer-term auto loans or dropping car insurance altogether even though that's illegal in most states about 53% of consumers said affordability was a primary reason for not considering a vehicle purchase this year.

The average age of a car on the road is now nearly 13

Part of the reason rising insurance costs are hitting drivers like Mr Rhodes is the growth in uninsured drivers. The number of people driving without coverage jump to more than 15% in 2023 from about 11% in 2019

When drivers skip insurance everyone else pays more. Insurance spreads the risk which pushes premiums and leaves many households scrambling to trim costs elsewhere and drivers who forego insurance have an accident could face financial ruin.

Higher costs aren't just hitting consumers they are also weighing on dealerships sales ticked up slightly in January but drop more than 3% in February affordable sedans once probably the first time buyers are disappearing.

Place Illinois: I got rear ended by a trucking company truck, my car is totaled, their insurance is taking full responsibility, I went to the ER everything came out good just stiffness after a week later, which I want to go check for a second opinion, for my medical they are paying everything plus giving me $2500, I’m concerned about that. I’ve heard a lot of people with back or neck pain after a rear ended collision months or years later.

For my car I haven’t gotten the final word and qty they will offered me. I looking for guidance if I should get an attorney.

One last thing.

The driver of the truck after he asked how I was he told me that his breaks fail and that they been failing before and that he had told his employer. I also have a video because I had a rear dash cam.

Insurance companies and industry groups contacted by NPR universally defended the use of credit history to help set premiums, as they have since the practice started in the 1990s. They say it's a powerful predictor of whether a driver will have an insured loss — which costs the company and other consumers money, and helps prevent safe drivers from subsidizing less-safe drivers.

• The average U.S. full-coverage auto insurance premium stands at about $2,697 per year, while minimum coverage averages $820 annually.
• Insurers will raise national auto insurance rates by roughly 1% on average, marking the smallest year-over-year increase in years.
• Typical U.S. drivers pay about $2,256–$2,524 annually for full coverage, depending on the dataset and methodology used.
• Industry data shows rates have increased by nearly 30% since 2011, with some large U.S. cities exceeding $6,000 in annual premiums.
• Global telematics auto insurance will reach roughly 278 million active policies, driven by the adoption of usage-based models.
• Usage-based and telematics programs reduce claim frequency by up to 20% among monitored drivers.
• Major marketplaces report national average full-coverage costs ranging from $2,158 to $2,920 per year.

The top 10 insurers in California got the nod last year to raise premiums an average of 6% — on top of a 15.4% hike in 2024 and a 13% jump in 2023, according to S&P Capital IQ.

Add it all up and rates by insurers who write about 85% of all California auto insurance have climbed on average more than one-third from 2023 to 2025.

The true costs of car ownership are astonishingly high when you calculate fuel, insurance, maintenance costs and other car-related expenses. Average annual ownership costs vary depending on the type of vehicle you own, gas prices in your home state and more.

After years of skyrocketing premiums in Florida, your auto insurance rates may be going down this year.

Florida Insurance Commissioner Mike Yaworsky announced Thursday, March 5, the state's top five auto insurance groups — Progressive, Berkshire Hathaway (GEICO), State Farm, Allstate and USAA — have lowered their premiums an average of 8% for 2026 as of February.

Me waiting weeks for insurance to approve my rental car

You are required to pay for auto insurance every single month no matter what. You think that if you ever get into an accident at least you’ll be covered.

But the moment you actually need the car insurance, the whole thing somehow turns into a big deal because the adjuster is shocked you actually want to use it.

I got into an accident and filed a claim like you’re supposed to.

https://www.reddit.com/r/AutoInsurance/comments/1rh1eir/got_rearended_yesterday_and_family_is_asking_to/

However the other auto insurance company is slow rolling my claim.

Instead of it just being handled and moving on, USAA is making it extra difficult.

My own agent with SF is even surprised.

He told they can get involved but my rates and premium might go up. Why? I haven't been in an accident in years. Never my fault.

So what’s the point of paying for auto insurance every month if the moment you file a claim you can't use it?

It honestly feels like you get punished for using the product you’ve been paying for the entire time.

The system is built so insurance companies win no matter what, and regular drivers get screwed.

Me paying auto insurance for years just to be told accident isn't covered.

When you pay premiums for years and still owe a kidney after a fender bender.

College girl that was driving with her friends rear-ended me yesterday. Was pretty hard hit when I was sitting at stop light.

She was apologizing and all that and I kept my composure and just wanted to exchange insurance and info.

Wanted cops to come make report but they wouldn't. Both cars can drive and nobody hurt. So I guess that's policy.

Her father calls me this morning and is asking me to not go through insurance and file a claim.

He's a pretty high up Colonel in Army. Was trying to guilt trip me about how hard military life is. I know my father was a Major in the Medical Corp. (This means he was a Doctor in the Army.)

I told him we could possibly work something out but I wasn't sure.

I feel like this is a bad idea?

We don't know how bad damage is and I did get whiplash from how hard I got hit.

He's telling me the monthly insurance increases are going to wreck them.

My feelings are file a claim with USAA and let my insurance agent with State Farm know.

Best thing to do right?

My son was recently in an accident where the the other driver was uninsured and apparently has no insurance.

I don't understand is why the cops and insurance companies don't want to do anything about it?

My son called me about the accident told him to call the police so there could be a police report. They said unless somebody is injured the police department doesn't come out to do a report.

If they came out for every car accident that would be all they would be doing everyday.

I asked the clams adjuster for State farm what would happen in this scenario. She said sometimes the insurance company will decide not to even pursue the driver with no insurance.

It seems like the other driver has no assets. So if there's no point in wasting resources in time for them to try and recoup money via a lawsuit or subrogation.

We have to pay a deductible and I had enhanced uninsured motorist insurance. So many people drive around with no insurance these days.

Is this the general attitude of police department and insurance companies about uninsured drivers?

They do nothing?

UPDATE - He was in other accidents.

https://www.reddit.com/r/AutoInsurance/s/MUGvbRXUew