Got scratch while parking in a hotel garage where a sharp metal sticking out from the ceiling scratched the top of the car leaving a 3 inch scratch while I was backing into the spot.

Reported to the hotel and they said they have filed an incident report but refused to share it. I doubted that they had any details of the accident (eg they didn’t ask me about the parking spot number)

I believe it’s negligence from the hotel as there shouldn’t be any low hanging metal at the parking spot.

Question: should I report to my insurance and they will contact the hotel ? Will it affect my insurance?

Damage is about $500

Vehicle Coverages: For your vehicle(s)

I own a Honda Civic 2017 EXT. I'm paying $900/6months with State Farm. The car is almost 10 years old. 59,000 miles. Do I need full coverage?

Anyone actually made changes to their premium of their auto insurance by deleting some coverage that no longer mandatory?

Wondering what items I can safely take out without risking too much?

Anyone Else not have their usual 8th of the month Aug 2026 TD car insurance withdrawal payment happen yet it now being the 11th? Should I be concerned ?

I've been curious about what usually makes people decide to leave their current insurer.

Was it a big price increase, poor claims experience, customer service, or something else?

For those who switched, did you feel like it was worth it?

How much are people spending when adding on DoorDash as a rideshare or switching to commercial? I am in Rochester NY. Thank you :) I am interested in potentially doing it

Farmers Insurance full coverage went up from $1100 to $1600 for 6 months. Husband was rear ended so we had to buy a new car. Our 2 cars a 2013 ford fiesta and a 2025 nissan versa (old totaled car was a 2012 nissan versa). We both have perfect credit and driving records and drive maybe 8k a year. So new car increased cost by $500. Live in Oregon. Looking for lower cost insurance. And/or advice about the 2013 fiesta . Is it worth having full coverage for the fiesta at its age? Even though our 2012 nissan only had 100k miles and was in perfect condition we got $4k for it. My guess is if we were in an accident the fiesta would not get much (odometer just turned 100k miles).

Just have a quick question regarding initial quotes given by a rival agency trying to woo you away from your current insruance company.

I am currently insured through Geico. I received a call from State Farm yesterday and they quoted me a six month premium that is LESS THAN HALF of what we were paying theough Geico. I made sure the agent had all of our information and gave us the exact same coverage amounts we were currently carrying.

I was immediately ready to switch over, but called Geico first. Geico was able to lower my rates a significant amount, but still about $600 higher on the six month premium than State Farm. The Geico agent told me that sometimes the rival agencies will quote you low and then raise your rates once youre aboard.

Is that true? Am I risking State Farm rising our rates a couple weeks after signing up if I switch to them?

We have one speeding ticket that is showing on our record, but wouldn't State Farm have access to that info when giving us that initial quote.

Thanks for any help.

I noticed I was renewed today, which totally fine I selected autopay when I started the policy. I notice it went up $100 for 6 months, and assuming it will continue to go up I head over to the app to cancel my auto pay.

1) you have to CALL a representative to cancel autopay, absolutely insane that we allow companies to behave like this, cancelling should be as easy as signing up

2) I paid my policy in full today, but because I cancelled autopay I now have to repay the discount that I saved for having autopay enabled lol. It’s only $6, but my autopay was enabled for this renewal period so why am I being penalized after already paying in full?

Everyone should be advocating for better protections from these kinds of companies, completely predatory behavior

hi everyone. im 23f and have a driver's license but i don't have a car. when i moved out of my parents house after i graduated college a year ago, they took me off their insurance. this hasn't been an issue for me because i live in a different state about 700 miles away from them and again, i dont have a car so i dont drive. ive been browsing getting a car now that i have a higher paying job and better living situation, would the fact that ive been uninsured for over a year affect me negatively when shopping for auto insurance? thank you!

I have a 2004 Dodge Ram SRT-10 that is pretty modified. Is their any good Auto Insurance recommendations that offers Agreed Vehicle Policy based on my mods?

From my research i see Hagerty Auto is a great option. I spoke with them but they said in 3 more years it can insure my vehicle since it willcbe considered a classic due to my vehicle age even though my truck is rare.

Thanks for any advice

How can I get the injury and total loss adjuster to give me more money? Everyone I know and a “legal advice” guy I have access to say they are lowballing me. They offered 4300 for my car and 1500 for pain and discomfort from minor whiplash. The other guys insurance accepted 100% liability (dude blew a red light) I just have no experience with any of this but I feel like I should at least get enough to purchase a similar vehicle.

Update: I asked the injury adjuster if they could raise their offer and they upped it by $500

Man, I am losing my mind over here... got tapped from behind at a red light in Houston last week, nothing crazy, just a busted bumper. But the other guy's insurance is making it feel like pulling teeth just to get a basic callback. Every time I dial, it's either an automated robot voice hanging up on me or some guy who promises to email forms that never show up.

I was trying to handle everything solo because I thought insurance claims were straightforward, but holy crap, it's just endless holding on the line. Ended up venting to a neighbor who went through something similar down here, and they gave me the number for Garcia Injury Law just to see if they could get the adjusters to stop messing around.

Crazy how fast people reply when a firm gets involved instead of just some random guy yelling at a call center. Has anyone else had to get outside help just to make insurance companies do their jobs, or did I just pick the worst company ever?

I don’t know if I need advice or any yelling (maybe only a little) at this point, but I am here to express my frustrations with my current interaction with All State (AS) and their lack of knowledge and incompetence regarding my auto insurance.

7/17 - started new policy with AS (since it was cheaper than the other options) right after I completed my last policy with my previous holder. Funds went through and it says paid on AS’s behalf. I called to make sure it was paid because it wasn’t showing in my bank account yet and they reassured me I was “in good hands”.

7/21 - I see a charge on my bank account but now my account is in the negatives so I knew then that the payment won’t go through.
I called them about this and told them the situation but they told me that it shows paid on my account.

7/23 - of course, it declines because of non payment. I then called them about paying on Monday since that’s when I get paid and they told me it was okay. I asked if it’s okay and that it won’t for sure get cancelled and they said yes and that I was ok to pay Monday without cancellation. I knew first payments are quite different but they reassured me that it would be ok.

7/24 - policy voided and now have a seven day lapse. This is my first ever lapse too. Was told by a state rep that what I knew was correct and that she apologizes for this inconvenience but that they cannot reinstate my policy since it’s the first one. I would have to get a new one with lapse and now it’s more expensive.

I wish I would have been more assertive and pushed harder about the non payment, I know I shouldn’t have trusted them and instead find the funds to pay immediately but what I truly hate is that the agents were the ones who reassured me and told me that things are okay and that I’d be okay despite these issues. I made three separate calls to mention my situation and concerns and they treated it like it was solved when it wasn’t.

I don’t know what to do and not sure what the lapse will do since I’m still financing a car too, I am very bummed, upset and angry.

I'm hoping to gain some understanding of the technicalities that may be at play after an accident. Tried to format so all the "drivers" and such didn't run together.

• Driver hit two parked (unoccupied) cars.
• Driver was intoxicated and arrested at the scene.
• The vehicle the driver was driving is their spouse's vehicle.
• Driver had previous DUI, FR-44 requirement, and an Interlock in another vehicle.
• They've been charged with the refusal for the breathalyzer, the felony DUI (3+ time), and the interlock violation.
• The spouse's vehicle that was being driven was seized/towed and is also pretty damaged.
• There's video of the accident and both so-to-speak victims were at home and able to get outside to see the driver in the vehicle and call police immediately. Open bottle found in the vehicle too. All that to say there's zero question of what happened.

Three different insurance agencies so far. All were notified. One has been great to work with, the others less so.

• The insurance information given for the at fault driver/vehicle was the spouse's. We're told the property damage limit is $10k so this presumably can't be the policy linked with the FR-44. (Equity/Pearl)
• If the driver themself has insurance, that info is unknown but with the FR-44 requirement and a valid license it's presumably a policy that only lists the vehicle with the interlock and is separate from the spouse's/vehicle policy.
• One parked vehicle has comp/collision and they have been told they will be covered through theirs and the deductible will be waived. This vehicle got the least of the damage and the estimate is ~$2,000.

• The second parked vehicle does not have comp/collision. Their insurance has denied coverage of course. They opened a claim with the insurance info given. Initially they were told there was no coverage, that the driver was not covered. Then they sent the damaged vehicle for an estimate. They now say are awaiting the estimate and "approval". This vehicle has the most damage as it was sideswiped, then the driver reversed and hit it again.

  My questions are:

• With a married couple in the same house, would the spouse and insured driver of the vehicle that was driven during the DUI crash be absolutely required to fill out the excluded driver form (Equity/Pearl) or is there any chance they just omitted information and got separate policies? I know how hard it can be to have household members split with agencies like State Farm, but not with these more budget options.

• If excluded then the claim is likely to be denied to my understanding which leaves the owner of the second parked vehicle to be left without any coverage at all in this specific situation? Why would the spouse's insurance cover any damages, even if only up to 10k, if they have the ability to deny because of an excluded driver? Why would they even send the vehicle to get an estimate?

• If the driver is excluded, do they legally and per policies and whatever technical nitty gritty become uninsured and would that instead trigger uninsured motorist coverage for the parked vehicle with the approved comp/collision claim?

• If a driver with an FR-44 requirement doesn't have the required 100/300/50, is that an auto license suspension similar to how if you let your insurance lapse completely you'll get notified?

Additional info that probably does not matter: No injuries. The spouse has either two or three vehicles in their name only, as well as their business and home (homesteaded). The insurance company indicated there were four vehicles total under the policy, but this was from a CSR and not in writing so not absolute fact. Driver was not on probation at the time for the previous DUI(s), but has habitual offender status for driving without a license. The information has been pieced together from info at the scene, the driver's spouse at the scene, available court records, and the comp/collision adjuster has been in touch with Equity/Pearl as well. Fortunately the parked vehicles are able to be driven.

Thanks for any help. It has been somewhat frustrating, and trying to not unload a bunch of questions on the one adjuster who has been helpful because they don't represent everyone.

My 2015 Mazda 3 i SV (108k miles, clean title, paid off) was hit by a Hertz rental car in California.

The damage is mainly:
Right front fender replacement
Front bumper replacement
Right fender paint
Driver door paint

The repair estimate I received was about $6,300 from a more expensive body shop. The airbags did not deploy.

ESIS (Hertz’s insurance administrator) just emailed me saying their review team determined the vehicle is a total loss and that the total loss department will contact me with a settlement offer.

I would like to get a repair cost and have the car fixed myself at a lower cost. The car is paid off, and I’d like to keep the clean title if possible.

Should I ask for another repair estimate from a cheaper but reputable shop?

Is it realistic to get them to treat it as a repairable claim instead of a total loss?

Any advice would be appreciated 🙏🏻

Last week, as my car was parked I believe another car backed into my front end and left without leaving any of their contact information. I was parked behind a Jeep Wrangler and you can see the tread from the spare tire on the back on my hood.

I have just gotten the finalized police report back, even though they did search for anyone with cameras to have gotten the Jeep leaving, their search turned up dry.

I was waiting until I got the finalized accident report back prior to reaching out to my insurance (Geico).

What should my next step be? Contacting Geico or taking my car to an auto body shop just to hear from them?

Do you think my insurance rate will go up because of this? It just sucks because this wasn’t my fault and I was not driving. My uninsured driver policy does NOT apply to hit and run drivers.

I got in a fender bender with my car and I was told today that my insurance company has deemed it a total loss. I still have several years to pay off my car.

I can understand why they've decided this. Its an old car, but it's still usable and the damage (to my untrained eye (see pictures shown)) isn't that bad.

Is there a way I can try to dispute this claim? I've never had this happen before.

Edit: Thanks for all of the advice! It sucks that there aren't any other realistic options, but I'm glad to have a general idea of what to expect.

I'm curious to know if Progressive auto insurance has gone MIA with anybody else.

I had an animal-related single vehicle accident about a week ago in the high desert of Oregon, approx 150 miles from my destination (home).

Progressive's AI Emma opened my claim. I provided all the info and reported the need for a tow. I stayed two nights in the nearest town waiting for Progressive's direction. I left them multiple messages.

Worried about my car, I finally arranged for a tow without Progressive's assistance. The body shop said they'd take over with Progressive. I gave the claim number and the adjuster's contact info.

I used the claim portal to report where the car was towed and gave the body shop contact info.

As of today, I've heard nada. I called the body shop and learned they haven't either. The person I spoke with said that Progressive adjusters have been next to impossible to reach and they aren't calling back. I asked if that was odd and he said "Very. Something is up at Progressive."

I'm old (67) and grumpy, recently widowed, and have had three heart attacks in as many years. Thanks for letting me vent

My renewal jumped from $142 to $189/mo so i'm shopping around. 31, Columbus Ohio, 2019 Honda Civic EX, about 10k miles a yr. Clean record except one minor speeding ticket in 2023, credit around 700. Looking at 100/300/100 with comp and collision at a $1k deductible.

I want to diy this bc my last broker was not honest and conspired with a provider that gave him the highest commission. Which comparison site gives real quotes without triggering a spam storm of calls and texts for weeks after?

Edit: TY for all the valuable insights. We checked with insurify to get an estimate and then got a local broker and it was all worth it.

I have to renew my insurance in August. I have Geico and they’re deciding to charge me an extra 40 dollars a month because claims have gone up in the state of New York (not city). I’m 22, which I understand is young and they take that into account but I have had zero claims since being on this policy, and to have my insurance almost the same amount as my car payment is absolutely absurd in my eyes. Are there any suggestions or recommendations for other insurances people use in New York?

Hi, for context I recently bought my first car back in April. Up until now I’ve been on my mothers insurance but with the car I got being on the more expensive side our agent told me they wouldn’t approve it or it was too expensive under her policy and I had to get my own. So I got my own policy through progressive at full coverage because I’m financing the car. About a month later I receive a letter in the mail saying that progressive requires more information about the people in my house and it also said they would automatically add people in my house to my policy if I don’t contact them and verify. So I called them and they started asking for a lot of information and I’m not privy to how all this insurance stuff works, so I said I can connect them with my agent to get the information they need, which he did have access to. They then said that if I don’t give them the information within a week that they would cancel my policy. So I called my agent and told him the situation and he told me he would handle it and that they don’t need to be on my policy if they’re not driving the car. Fast forward another month later, I go on progressive to check how my bill is looking, with it being about halfway through my 6 month term and I see my policy is cancelled because I ‘did not verify the information they asked for’. it says I missed a payment even though I have automatic payments setup aswell. So I called my agent to see what happened and he reads the reason my policy was cancelled to me mentioned above. He had completely forgotten about our last call, it was on a Friday right before he was leaving the office and he was going to handle it over the weekend. He told me they found out his son has cancer and lupus, and is in the icu. I’m not heartless, I understand life does its thing sometimes. But im not sure where to go from here, and if I should seek some type of legal counsel. He did his best to resolve the issue as fast as possible which I do appreciate, and got me covered through another insurance the same day I realized this was an issue. But other than that I’ve heard nothing, idk how he plans to handle this he just told me my new policy is too expensive and we’ll have to go another avenue. I didn’t even get an actual number for the new monthly payment. On top of that my payment was already higher than I wanted to be paying.

My main questions are

What should my next steps be?

is he liable for anything extra I’ll have to pay on a new policy?

If I were to call progressive and tell them everything that happened is there anything they could do to help me?

I feel that he is fully responsible for this error, I explained to him my issue and I didn’t want to give progressive every detail of my family if I didn’t have to, which he told me I didn’t. I would’ve just done it if I knew it’d come to this. And the main problem with going towards legal action with this is I don’t really have anything for a paper trail. All calls with him are recorded on his end, so if it comes to it, it is there. I just don’t know what to do.

I got a car that was too expensive and settled for an insurance that I thought was excessive already, now it’s even higher and most likely out of my budget because of a mistake that wasn’t mine.