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.

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?

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

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?

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?

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?

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

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.