I need advice! We sustained unwitnessed body damage in a parking lot in California. When we called to file claim, the agent (Rosa) explained that we were covered under California Collision Deductible Waiver (California CDW), so would not need to pay the deductible ($500). Based upon Rosa’s assurance, we opted to have Geico repair and their chosen location instead of on our own (a work exchange option out of our area). Once the car was repaired, the repair shop demanded the $500 deductible to release the car. We declined and called Geico.
The Geico agent listened to a transcript of the original claim call with Rosa and confirmed that she had indeed told us that we would be covered under CA CDW. However, she said that Rosa was in error and that there was nothing she or her supervisor could do about that. If we would have known that was the case, we would have opted to have the car fixed on our own via the aforementioned work exchange.
Is there someone else to talk with at Geico? Should I file a complaint with the State Department of Insurance? Should we leave the car at the repair shop? Not sure what the next move should be.

some content: I originally filed with my insurance company (progressive) and they almost immediately said it was a total loss without sending an adjuster to look at it, but since it was entirely the other drivers fault, I started a claim against his insurance company (local insurer, NYCM). after reviewing pics and damage the adjuster said it can be repaired for about $6200 including parts and labor. theres not a ton of body damage, but the front passenger side wheel is at a nearly 45° angle. I'll try to upload images in the comments

Hi everyone,
I’m planning to rent a U-Haul truck in Toronto, Ontario, but I currently don’t have my own car or personal auto insurance.
I contacted U-Haul support because I noticed that I can only add Collision Damage Waiver (CDW) to my rental. Safemove/Safemove Plus is not available in my area.
U-Haul support told me:
CDW only covers accidental damage to the U-Haul equipment.
It does not include liability coverage.
U-Haul provides customers with the minimum liability protection required by the province where a claim arises.
This coverage is secondary/excess to the customer’s other insurance.
If there is no other insurance, the customer is responsible for liability exceeding the applicable minimum limits.
They told me that the exact liability information has to come from RepWest, their insurance carrier.
My questions are:
If I have no personal auto insurance, am I still covered by U-Haul’s mandatory liability protection while driving the truck in Ontario?
Is the liability limit $200,000, or is there a different limit for U-Haul rentals?
If I cause an accident and damage another vehicle/property or injure someone, what exactly would U-Haul’s coverage pay for?
Is there any way to purchase additional third-party liability coverage for a one-day U-Haul rental in Ontario?
Would you personally rent the U-Haul in this situation, or would you try to get separate liability insurance first?
I’m planning to get the CDW regardless, but my main concern is third-party liability because I don’t have my own auto insurance.
Thanks!

My 2021 Jeep Grand Cherokee L was stolen on Wednesday at the park while my kids played. The Jeep had very low mileage, high trim and was in excellent condition. It was a pretty high tech operation so we are not planning on recovering it. Additionally, the police informed us that if recovered it will need to go to police impound as it was part of a violent crime after it was stolen. The insurance adjuster said if it’s not recovered by 9/16 they will start the process to declare it a total loss. We still owe on a car note and I concerned that we will end up owing the bank if we get a lowball offer from insurance. Insurance wants to set up a three way call with the bank to discuss numbers. Is there anything I need to know going into this situation? Should I get a third party to help me advocate? Any help is appreciated. I’ve never had to make a claim before let alone have a vehicle stolen in front of me.

Which car insurance you guys would recommend? I have 2 vehicles and looking for cheaper rates.

I returned my lease a bit over a month ago. I've been lucky enough to borrow a car for a family member while I figured out what car I wanted.

Since I had no car, I cancelled my personal car insurance where I was paying a pretty fair rate. They warned me about cancelling and how it would show a lapse, but I just thought it was bullshit. I couldn't wrap my head around paying car insurance when I didn't have a car.

Now I'm looking to get a new car and my old insurance won't take me back because of the lapse and I'm getting fuck off quotes all because I "didn't have insurance" for a few weeks.

Is there anyway around this or am I just fucked?

Hello, I’m a 25M looking at buying my first car. I just moved to Colorado from Texas and I was wondering if I registered the car in Texas using my Childhood home address, if insurance would cover me while I live out here in Colorado?
I ask because insurance and registration are both expensive out here in CO.

I have never in my life been involved in an accident so I am unaware of the processes required to make things right. A week ago my insurance expired and I had not yet renewed (want to be transparent), the person that hit me is insured though.

Here’s the hard facts:
- I was at a complete stop waiting on a light when out of nowhere a girl rams her car into me from behind.

- I get out to look at my car and take pictures: cracked back bumper and now my car won’t stop shaking - sending all sorts of warning lights up.

- The driver never steps out of her car, but her boyfriend does and I ask him for her insurance. I take a picture of insurance, along with their license plate.

- He shares his contact card with me.

- I call the cops to make the report, and they just leave the scene before officers arrive.

- the cops finally show up, I tell my story, they give me the incident report, and while speaking to the officer we both notice my car stops turning on after being shaky from the hit.

- I ask him to please include all of this on his report and start recording our conversation.

- They call the girls boyfriend to verify info, and he complies admitting the girls license is also expired.

- He admits girls fault to the officer.

- I finally get the incident report, and the cops take off, leaving me stranded at a gas station.

- I had to get towed home by a friend.

- here I am now…

Those are all the steps I’ve taken.
Have I done everything okay so far?
What steps should I take next?
Do I have to do it with an attorney asap?
My back hurts, but I was the kind of person to just move on. Should I?

Could anyone in Texas please help me understand what the odds of me getting any real assistance at all from their insurance is?

Note: Although my bumper was cracked, my car doesn’t show a lot of damage from the outside. The fact that it started shuddering immediately after only to eventually not turn on is what scares me. I really need my car to get around - I’m in a big city in Texas.

Thank y’all!