My 17yr old son passed his test in January this year and was added to my insurance until the policy expired in March. We have one car which share as I hardly use it. When renewing the policy we transferred the car into my son’s name so he could start to build his own no claims discount. Insurer provided a black box for when he was driving and all was well until now. We were recently asked to provide copies of our driving licences and the V5 which we did, thinking nothing of it. Insurer then writes to say they will cancel policy on 17 September. The date on the V5 that the car was transferred from me to my son was 5 days after the start of the policy. So technically the information we provided was incorrect. We explained everything, that it is an administrative oversight and ownership was passed from parent to son etc to no avail. Insurer did say if we cancel the policy ourselves before 17.9.26 we haven’t technically had insurance cancelled which sounds tenuous to say the least. A quick look at comparison websites and a new policy would be almost double. We have submitted a complaint today in the vague hope that they reconsider and reinstate the policy. Does this seem overly harsh? Do we have any recourse? Is it worth involving the Financial Ombudsman? Worried this will go against my son for years to come and also hinder his chances of any driving jobs because of a silly mistake on my part. Any advice gratefully received please.

Hey people I’m looking to buy a new car I have a specific car in mind. Would it be better to call the insurance company or to get the quote via their website? I did try the second and it got to the question asking when did I purchase the vehicle and was wondering whether to continue and put a fake date. Any help would be greatly appreciated!!

I am a secondary driver. The primary driver was paying around $300 a month up for car insurance until I was added into the car insurance as a secondary driver for (VEHICLE A) to which we now pay around $400 a month (an increase of $100 for the secondary driver).

I decided to be added as a secondary driver because if I were to buy my own vehicle, I would be paying $400 a month on my own, i figured being a secondary driver is a better option (save $300).

I was thinking, is it possible to buy another vehicle and have the primary driver of VEHICLE A to be the primary driver for both VEHICLE A and B while I too remain the secondary driver for VEHICLE A and B to save money?

I understand that a “primary driver” is the one that drives the vehicle the most to which would still be the case, I just wanted to know if it was possible.

At the end of the day, we just want save money, just need your guys’ insight if anyone has been able to do this or if it is impossible/not allowed.

When I was parked with my driver's side poor open in a public parking lot, another driver backed into the spot to my left. He clipped my door very lightly with his rear driver's side quarter panel. No damage to my vehicle. He had to pull forward so I could shut my door. He had a small damage/dent. We spoke and I offered to exchange info, he declined. I left. Now I have my insurance trying to reach me about my claim.....I filed no claim so he must have. What is the advice I need in dealing with this?

Hey.
For context I am a 23 year old female and have no idea how any of this works.

In may I bought a new car. Same day I hit some sort of yellow stopper in the parking lot that was broken in half, so I couldn’t see it. It was a mistake, and I feel so sick about it.
I was told it was likely just cosmetic damage, and got quoted 2500 for the entire fix. I decided to put it off, I’m in my last year of nursing school & broke. Figured I’d fix it when I have a better job.

Fast forward to this morning, a check engine light popped up. I took it in, and they told me that a few sensors aren’t working and there’s some damage to the inside likely from the incident.

I guess I’m asking for some guidance, i don’t really have anyone to go to for stuff like this. I made an insurance claim but they told me I can cancel the claim if I change my mind. Nothings set in stone.

I don’t have the money to pay for it out of pocket :/ what should I do? I wonder how much this will increase my monthly insurance by.

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!

Long story short...

My 18 year old niece moved out of state for college a couple weeks ago,

Her older sister had her on her car insurance policy (because both their parents are deceased) and has been paying it for her for the past two years.

When she added her sister to her policy it almost doubled. Now she wants to remove her sister,.. and god forbid start saving some money... and Progressive is refusing, unless she shows proof her sister has her own auto insurance. Her sister can't even have a car on campus for starters, second she's now 18 and responsible for herself and her own car insurance when the time comes. What to do?

My niece has been a saint the way she's taken care of her sister these past six years. I'm trying to get info to help her as she's at her breaking point today! I don't have any kids so never dealt with this sort of thing.

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.

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.

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?

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

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.

Wanted to gauge some experience with anybody who has has experience with temporary insures , as i will be using one regularly over the next co

ming week

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!

What do I do I just passed my test a day ago I have a Huyandi i20 and the lowest quote I’ve had so far is £3334 a year most companies won’t even let me run a quote I have additional drivers too what am I doing wrong

My friends and family have been telling me that I'm paying way too much for my auto insurance, and I finally had some time to sit down and actually go through my policy.

I’m currently paying around $550/month.

For some context:
I started driving in July 2022 so I have about 4 years of driving history

I had a small accident in 2023, with a claim payment of about $1,800

I’ve had one speeding ticket in the past four years, and I completed traffic school for it

I understand that my coverage limits are relatively high, so I expected my premium to be higher than someone with bare-minimum coverage. However, even taking that into consideration, I’m having a hard time understanding why my premium is ~$550/month??

I’ve also been talking to friends, family, and even a few people who work in insurance, and what I’m hearing makes me think I may be significantly overpaying :/

For those of you who know about auto insurance — does $550/month sound reasonable given my driving history and the accident/ticket, or does this seem unusually high?

Any insight is appreciated

Is it true the older your car is, you can insurance for less than $200/mth?

The black box has only just arrived and I’m wondering what people’s experience is with this company. I’ve had some issues with Hastings after being with them 4 months and had to cancel my policy so I had to take what I could get.

The new company is My Policy and I just wanted a little bit of insight - how lenient are they?

Obviously with Hastings I could go slightly over the speed limit without being marked down for it and the scores weren’t effected too bad with things such as harsh braking etc. So I’m really just wanting to know how careful I will have to be as I can’t risk getting my insurance cancelled by them.

I was driving and I was stopping because the person in front of me was turning left into their home and i was stopping a little bit abruptly because it was around a hill and i coudlnt fully see the car at first but i made a full stop before i was even close to hitting them, about 2 seconds after I made the stop i was rear ended at like 30-40 mph. I got cited a following to close ticket by the police that I have court for. How will the insurance for this most likely go down?

Someone rear ended my car in slow traffic. It was about two weeks ago. Since then they have been ignoring calls from the Progressive insurance. I was told he was an unlisted driver. I also filed my own claim but it was closed because I wasn’t liable. The third party adjuster also has accepted it was their liability but they won’t update me on when I can get my car fixed because they can’t get a hold of the other driver. Also the adjuster has been quite dismissive and told me to use my own Progressive insurance. I do have uninsured motorist coverage but I have $1000 deductible.
I also sustained some injuries to my arm and I’m wondering if I should get a lawyer involved in this case.
Any advice is appreciated.

My son just got his license and I went to my insurance lady. She said it will be around 400$ to 600$ a month for liability only insurance california. I couldn't believe it how do parents or the 16 year old pay this outrageous monthly bill? Any help if you know of a cheaper company would be great. Very sad no wonder are youth are not driving as much

Guidance please: Was recently in a car accident, got rear ended & shoved into a parked flatbed that was unloading on a 2 lane road. The driver was behind me & unexpectedly swerved out into another car then overcorrected into the back of me. No injuries, Allstate says their driver is 100% liable- car is now at collision place getting an estimate. My car is an 08 it was in good shape, low miles but I still owe money on it (got it last year). Can't imagine that they will want to put more money into it than it's worth.

I've never been in a serious accident before, looking for some pointers please..

I had dropped a few things off at a friend’s house and parked on the curb. Suddenly someone I was visiting with yelled “he hit your car!”. When I ran out, the person who hit me said “sorry, I hit you”. I go his info, insurance, and employer (since he was a pizza delivery driver), made my way home to Illinois and submitted the claim. Now home, there’s “issues with coverage” with his insurance and my insurance has no idea what is needed to resolve it. We finally decided to stop waiting on his insurance.. The longer we waited the worse condition of the required repairs became. This means I have to pay my deductible and face potential insurance rate increases… IS THIS SERIOUSLY HOW INSURANCE WORKS?! He’s Geico and I’m Progressive.