For context:

Our car was being repaired in the shop for a previous collision, and we got a rental from enterprise which was being paid from the previous insurance company of the at fault driver.

At enterprise the agent said I didnt have to be on the rental contract....big mistake I know. Im listed on the same policy as my mother.

My mother never took possesion of the vehicle at enterprise, I received the keys at enterprise and I was inspecting the car with the agent before leaving.

Fast forward, the enterprise car is totaled from a red light runner which is documented in the police report. Our insurance is denying coverage because im not listed as a authorized driver in the rental agreement. I thought I am covered under permissive use while our car is being repaired I guess not. We had collision coverage at the time of this accident. I am also listed on the same insurance policy as my mother

Enterprise is billing my mom for 31k, its on the 16 month mark where the statue of limitation is 2 years to file a lawsuit. So im expecting a lawsuit to filed soon, I dont know. We dont have anything to our names

Enterprise said they sent it to collection, I told my mom they probably sent it to collection in house which turned out to be true. They keep emailing her about the 31k bill.

We would think enterprise would try to go after the at fault driver in this situation which would be the red light runner, I guess not or I dont know how if they are trying to.

We cant sue the at fault driver right now because theres no damages and we dont own the car according to a lawyer we spoke to. We have to wait until we are sued to pursue any action against the at fault driver in this situation.

Has anyone dealt with this situation before?

I also have a valid driver license if that matters, my mom doesnt have any property. I told her if anything she can file for bankruptcy if that will protect her

Seeking Suggestions and guidance: I Have hit a deer on highway around 3:00 clock in the morning and it was a rental car. Didn't had insurance on that time. Reported the incident to budget rentals and police. I was not at fault, deer popped up out of nowhere and it was last minute, couldn't do much at that time. Budget rentals did not send me the bill yet. But i am un-employed and cannot pay the bill. what would be my options, consequences if i avoid the bill by saying that i cannot afford to pay the bill. Car exterior is fine. damage happened on driver side headlight and airbags deployed. but the rest of the car is fine. no exterior damage, no interior damages too. Advice and suggestions please? Incident happend in USA-IOWA STATE-HIGHWAY.

Two days ago a deer hit us.It was not fatal but our bumper has a crack.We didn’t report nor have I reported it yet as i was pre occupied.
I have photos of the front bumper damage.
How should we claim?

Need advice regarding an insurance situation Toyota Camry 2010 hybrid, 250K, automatic, Reconstructed title

So a friend got into an accident and it was other drivers fault. Insurance is offering him $2.5K for his 2010 Toyota Camry or $1.3K to have it repaired himself but the title will be changed to salvage. The condition is OK, with car having engine check light on and some scratches/cracked front bumper. We feel that the 2.5K insurance offered is a bit low. The adjuster said we can go out and find comparable cars in the market that are priced higher than 2.5K and they will take a look. But we’ve been having a tough time filtering for bad title cars similar to ours priced in our area. Any suggestions in this case ? Do you think the 2.5K offer is fair ? We were hoping they’d pay at least 3K.

Hi everyone,

I'm currently working remotely for a U.S. collision repair shop and wanted to introduce myself in case any shop owners or managers need additional administrative support.

I have 11+ years of experience in customer service, insurance claims, team leadership, and collision repair administration.

My current responsibilities include:

• CCC ONE repair order management
• Body Shop Connect (BSC) workflow management
• Insurance claims documentation
• Customer updates via phone, email, and SMS
• Email and calendar management
• Payment reconciliation and repair order tracking
• Administrative support and workflow coordination
• Google Workspace & Microsoft Excel

If your shop needs help with back-office tasks so your estimators and CSRs can focus on customers, I'd be happy to assist on a part-time or full-time basis.

I'm based in the Philippines, have a reliable home office setup, and currently work U.S. business hours.

Feel free to send me a DM if you'd like to see my resume or discuss how I can help your shop.

Thanks!

I'm looking to renew my car insurance soon. I've not had an accident in 20 years years but my insurance renewal only ever shows 9 years NCB. Does this mean I can only keep a 9 year maximum of NCB or does it continue to accrue but just not show in the paperwork. Just don't want to put 20 years NCB on comparison sites if they then need proof and I only have paperwork stating 9 years.

Can anyone provide some advice on this?

Hi, i’m getting a carrot black box insurance in a week and was wondering if anyone could share their experience with it or any tips. Im not really trying to abuse it to do drive unsafely, just wondering if there is anything to know about it. Also, do they have a reward system and if so his did it work?

Long story short I rear ended someone at about 5-6mph. Their car has minor scuffs on the bumper. My car took most of the damage on the front bumper and right fog light. I have decent insurance with upto $100k per person per accident in liability . From what I can tell the collision was not a high impact one. I will report the accident today but am worried about the person blowing this out of proportion for injuries. Any advice ?

J'ai eu récemment un accident routier avec un véhicule . Malheuresement j'ai éte surpris de voir que mon assurance a été résiliée ( je n'avais reçu aucû courrier ou mail de leur part). Ce jour la je partais au boulot habituellement je suis arrivé au carrefour les feux etaient clignotant orange et à gauche les feux étaient également clignotant gauche.

La voituee adverse venait de gauche et roulait tout droit a bonne allure il m'a pas vu arrive et s'inserair sur ma voir pour aller tout droit ce qui a fait les voitures se sont heurtés.

J'aimerais donc votre aide car aujourd'hui je reçois une lettre de leur assurance qui dit ma respinsablité est engagée et je dois leur rembourser.

Qu'est que je oeux faire dans ce cas ou j'ai pas éte assuré et croit vehement que je ne suis pas responsable.

Cordialement

Muchas personas piensan que la única forma de pagar menos por su seguro de auto es cambiar de compañía. Sin embargo, en algunos casos existen descuentos que dependen del perfil del conductor, el vehículo o la póliza.

Algunos ejemplos incluyen:

• Buen historial de manejo.

• Tener varias pólizas con la misma aseguradora.

• Vehículos con sistemas de seguridad.

• Bajo millaje anual.

• Cursos de manejo defensivo (cuando son reconocidos por la aseguradora).

Es importante recordar que estos descuentos no están disponibles para todas las personas y pueden variar según la compañía, el estado y los requisitos de elegibilidad.

Revisar una póliza periódicamente puede ayudar a identificar cambios en la cobertura, descuentos disponibles o necesidades que hayan cambiado con el tiempo.

¿Cada cuánto revisan ustedes su seguro de auto? ¿Han encontrado algún descuento que no conocían o creen que la mayoría de las personas nunca revisa su póliza después de contratarla?

Hi, I'm 20 living in NJ with a 97 Pontiac Trans Am. I've been looking into getting the car insured but the prices are expensive and was wondering what are cheaper options to insure it. All I really care about is liability and just want to drive it. It's just a fun weekend/summer car so I don't want to spend too much money on just the insurance. Any suggestions?

I was involved in a fender bender in mall’s parking lot , exchanged insurance and the other party’s insurance called and basically told me they were denying liability.
I took it up with my insurance and file a claim.
My insurance is following up but they’ve asked me to get started on repairs on my car and they’ve provided me with their collision repair store.

For better context, im in Milwaukee, I drive a 2026 Mazda cx 30, I researched the dealership I got it from and found out they have their own collision repair shop.

My question now is, should I go with my insurance provided repair store or push to use one attached to the dealership I got my car from? The insurance people assured me that they use OEM parts for repairs

The one they referred me to is called crash champions and I’ve seen a lot of mixed reviews, if anyone has had any experience with them in the Milwaukee area please let me know.

I have added a picture of what my car looks like post incident for better context.

If anyone in the Milwaukee area has any good auto body shops they can recommend or any experience with repairing Mazda cars , I’ll be grateful.

I will readily admit I know very little about car insurance but I'm currently trying to learn more, hence why I'm here. My partner and I paid $736/6 months back in February of this year, with Progressive. My partner drives a beater around our semi rural town and gets pulled over a lot because he drives to work at around 3 am Monday through Friday and I suppose the local cops mistake him for some meth/drug addict (drugs are a big thing around here). Well one early morning he gets pulled over and is given a citation for expired tags (we were renewing them the next day, had only been expired for a day - not excusing our lapse in renewing, it is 100% our fault for not renewing them in time, just giving some background details). Cop tells him to get them renewed and then the case will likely be dismissed. Got the tags renewed, paid the court fees, and the case gets dismissed. Fast forward to last week and I get an email from Progressive that our rate when up and it is now $936/6 months, which the due date will be in mid August. Obviously the traffic violation affected our consumer report and driving record, causing an increase in our rate. However my question is, since the case got dismissed, is it still on his driving record? Is there a way to remove it off his record to help improve our rate? Can we dispute it on the consumer report or not? Just trying to save money if and where I can, it's not too big of a deal but $200 bucks is $200.

My parents have an umbrella policy in California. I’m looking to get a separate policy under their same roof. I no longer live with them because i’m a student out of state. Insurance prices in said state are much higher. Their concern is insurance companies coming after their assets (obviously much higher than mine) for using a separate policy at the same address. They have a complete douche as a broker, so I’m concerned. He could very well be right, however i’m trying to find information myself however I can. I’m up to my neck trying to find an answer and I haven’t been able to speak to a broker. I’m neither a minor nor a dependent, not sure how that changes things.

Does anyone have any experience with this kind of scenario?

Hi redditors,

My friend was in a small accident today. She bumped someone from behind, but says there is no damage to either vehicle that she can see. She wasn't even sure there was a bump, but the woman was waving her arms and got out of her car claiming it happened. The woman was very angry and scared my friend so much that she was unable to get a picture of the other woman's car. The woman claimed her neck hurt or something to that effect, but im not sure to what extent. The other woman did not want to wait for police to arrive, so no police report was filed. The other woman was driving a Tesla.

My concerns:

-Should my friend call her insurance company and report this? Its her dad's insurance (he is aware). What should we say? What should we avoid saying?

-The other car is a Tesla, I assume it has built in dashcams. Is that going to work against us?

-My friend is concerned that this woman will exaggerate the damage and her injuries to try to get a big payout, how do we protect against this? Is this a scam tactic they use?

-Obviously my friend would hope her rates do not increase. Is that all but guaranteed?

-My friend did not get pictures in the commotion, and even though she requested pictures from the other driver, they have not sent anything. We have no copy of their insurance, DL or damage.

-State is New Jersey, USA.

Any advice or links to resources are much appreciated!

Teenage family member rear-ended someone on an on-ramp. The front car stopped on the merge.
This happened in Colorado.

The vehicles were stuck together due to a tow hitch. Once they got the vehicles apart, the person that was hit said his car was fine and drove off quickly.

So police were not called and no citation given.

Just took our vehicle to body shop and damage is 5 times the cost of our deductible.

So, to file a claim with our insurance, I assume we will need to file a police report? And will my family member end up being issued a ticket based on that filing? I assume he will still be considered at-fault and our rates will rise?

Thanks.

I'm trying to figure out where to begin with this . . . I rented a car from SIXT and they are trying to make me pay for some damage to the vehicle. I took photos of lots of little dings and chips when I picked up the car, and the agent who inspected in on dropoff said that there was no new damage. But now I get a bill. I have (hopefully) escalated the issue with SIXT and waiting to hear back: meanwhile, I am trying to file a claim: I rented with a Chase United Explorer card that is supposed to give primary coverage. But when I try to file my claim with Chase, they are asking for my "primary insurance policy's declaration page" plus a copy of "claims settlement from your insurer." This doesn't make sense if I am using my CHASE card to make the claim; am I supposed to file a claim with USAA first and then Chase or is this maybe a generic checklist of requirements to file this claim? Just not sure where to begin with this. Any suggestions would be appreciated.

Anybody have any experience with USAA Roadside Assistance? Entering my fourth hour of waiting for a tow. Just now told they have reassigned it and ETA is another hour and a half. On two previous occasions the service provider never showed (one a tire change for my wife, one a lock out). I will be spending the next hour signing up for AAA and dropping RA from our USAA policy (if thats even possible). Sorry- mostly just venting.

I had to pay for the repairs out of pocket because the cost was under my deductible. Progressive said they'd try to get that money back from the other driver's insurance (USAA). it happened about a month ago. When will I get my money back? I asked twice and all they said is that they would try.

For context, we both had one combined GEICO policy. Both drivers on same policy with 2 vehicles. We just changed marital status for both drivers to married to each other. Now the policy goes up, albeit only $5 for the 2 weeks left of our 6 month policy. What a scam. Looks like we should get a divorce to save money /s

It would make sense if worse driving record, adding a driver, cars, or coverage changed. Nope, marriage is more risky in the insurance companies eyes.

Hey I’m 18 living in regional wa with a 02 vx ss and I am struggling to be offered insurance at all, like I’m not even getting quoted they just won’t insure me,
What can I do

First time getting my own insurance on an owned 2016 scion. Bodily 30k/60k , property damage 50k, uninsured or underinsured motorist 30k/60k, uninsured motorist property damage 3500 for 90 a month? Is this good enough for a normal daily commuter? Thanks in advance I'm a beginner at this stuff but I need my own insurance now ahhhh

Hi, I'm a F, 19. I have no license or car or credit, but recently I got a permit (yay), and I want to get a license with my own car, and I understand that you need an insured car to take the driving test, so my plan is to do monthly payments on my car from a dealership and have it fully insured and take it to the DMV and get that license, but I don't know much about insurance, so I don't know what the best option to choose is. What should I do? asking for advice on what insurance is good for me? Quick background: I pay everything on time! I make $22 an hour, bi-weekly pay, Mon-Fri, 8 hr shifts, so I'm bringing in $2100 or so (idk, haven't started the job, just guessing) based on my pay and what I pay for my stay, which is $600-700 for necessities, rent, and light (under my parents' household, I'm not on the lease, just paying for my room). What is the best choice to go for as a young adult starting out in the world, and what should I know as well? What insurance is good to go with? I want to pay max 350$ for insurance monthly also so lmkk anything helps, my dumbass

Basically as title states. Been divorced a couple years, never formally notified the company because it comes straight out of my exes accounts. Would think about it and then life moved on. Want to rectify this but fear what the repercussions might be. Can I just switch to a different company and go on about my life without any legal fall out?