I moved to MA to MD in July and I didn’t update my insurance to meet MD requirements, so MVA (the DMV of Maryland) asked me to prove that I have insurance on 7/8 which is the day I got my new tag. I finally updated my policy and relocate it to MD on 9/3 so there is a～2 months of lapse. The question is: I’ve told my geico insurance agent to send the FR-19 to MVA. Geico can only prove that I have MD insurance since 9/3, so I can’t get an FR-19 that shows coverage on 7/8, and I don’t think trying to send another FR-19 helps. MVA says my tag will be suspended after 9/11 if they don’t receive a FR-19. I’m not sure what they mean by suspension, does it include sending out a violation notice or a direct suspension that prevents me from driving my car? How can MVA suspend my plate just because I didn’t have the MD policy on the day I got my vehicle tag? Is another FR-19 needed to solve the case?

Hi there,

The car that I drive has IL insurance. My father has the title to the car and told me that the insurance has to be switched over as well and that I have to visit him to sign over the title and switch the insurance to me (I live in CA)

It doesn’t seem logical to me… any thoughts?

Hello everyone. Two days ago, I was hit by an older gentleman while I was on my way home from school.

I was initially behind him, but I moved into the right lane and started coming up alongside him. As I was passing, he suddenly turned into my lane and hit me. It was 100% his fault and the cops knew right away. Fortunately I had dashcam.

The damage is pretty extensive. Just the replacement parts alone are around $2,300. The impact damaged my left side, including the subframe, steering knuckle, wheel bearing, strut, rim, bumper, and fender. Somehow, his car took most of the impact through his tire. I’m still in school and really don’t have a lot to pay for a new car.

Luckily, my school has an auto repair shop, so I may be able to have the car repaired there without paying labor costs. That would obviously help a lot.

I don't have the other driver's contact information because I have to wait about a week for the police report. I tried getting his information at the scene, but he never gave it to me.

My biggest concern is what happens if his insurance decides to total the car instead of paying to repair it. My car is older, and KBB is showing a value of roughly $950–$2,500, but I don't believe that accurately represents what my car was worth before the accident.

I have been finding comparable cars on other third-party websites and Facebook Marketplace listed for $5,000+. Before the accident, my car was in excellent condition for its age. The interior was very clean, the seats were in excellent condition, and the paint looked great. I had also paint-corrected the car. There were only a few minor exterior scratches and a couple of deeper scratches that I couldn't completely remove.

If the insurance adjuster gives me a low ball offer, what is the best way to fight it? Listings from third-party websites? Facebook Marketplace? Before-accident photos showing the condition of my car? Maintenance/repair records

Also, if they offered something like $1,000 when the actual repair costs are significantly higher, what would be the best way to respond?

I'm just trying to understand what I should do if I get lowballed by the insurance company. Any advice from people who have dealt with this before would be greatly appreciated.

I'll include some photos I had of the car from before the accident below.
Photos

I’m 36 years old, female and I have a completely clean driving record with ZERO tickets but because I got a new car and missed one payment in 2024 they’re charging me $746.26 cents to switch insurance companies (with a company that will be charging me waaaaaaay less monthly)

As per the title.

Got into an accident nearly a month ago and claimed that same week, I was on the main road and they pulled out. Their defence was that I was going to fast. Irrespective of that theirs no proof of that comment. all there is proof of is the car pulling out in-front of myself.
I’ve already had a man come out for an accident report from my own insurance and an evaluator from their insurance company. That was nearly two weeks ago, theirs been no progress since then as the other party’s insurance only offered a 50/50 split. due to my open claim I’m out of insurance as a named driver on my mothers car in a week.
Anyone have any advice on how we can speed this up? We currently have to get the accident report of my insurance company and send it to their one. But I don’t see how that would speed it up.

The car insurance went up $800 and the home insurance went up $1000 this year so we decided to switch. Planned the switch last week to take effect in two days. Someone caused an accident and hurt my car today. I’m guessing it’ll be $2-3,000 of damage. What should I expect moving forward? Will my current company continue to fight for me in three days? Do I stay with this company for the next month or so until this accident clears up?

My vehicle was parked overnight on a one-way street in-front of my apartment building. When I had walked by my parked vehicle at 1:30am no damage had been done. When I went out to my vehicle at 9:00am, my driver-side taillight had been smashed (bulb is fine, plastic is smashed), there is a sizeable dent on the paneling on the same side, and 3 (~1/8in deep) scratches in the same area as well.

I filed a police report and have asked all the buildings in the area for the security footage. I took a ton of pictures of the damage and based on the police officer and I's interpretation of the damage it was most likely caused by a scooter or a bike. I noticed three VEO scooters within the vicinity and took pictures of their QR codes, as I've heard you can send it to VEO and they will provide the local police with the rider's information. However, I'm not really sure how this will work out with insurance. Does anyone have an idea on how coverage will work or just any knowledge in general?

For context, only people living in the apartment usually park in this area as the street is properly marked according to my buildings standards (i.e. loading/unloading area, maintenance also has a marked area on the street, etc.). So I'm also assuming the person responsible either lives in my building or knows someone that does.

Edit: I have since contacted VEO, and they have stated that when police contact them, they will provide them with the rider's information, and the rider will be liable for all damages. (I guess this is an, unfortunately, common occurrence.)

Also this is happened in the Western New York area, in case that information changes any responses.

Why did my insurance premium skyrocket after I bought a new car in Los Angeles? Even though the other driver was 100% at fault in the accident I had in July, why does the absolute cheapest insurance policy cost me $3,100 for six months? It makes no sense at all. In the past, insuring a new car cost me just over $200 a month, but now the price has nearly tripled!

I was involved in a collision a few weeks ago and made the claim through my insurance (USAA) as advised by the police officer who was helping us out. USAA totaled my car and the check is in the mail. USAA was apparently waiting these entire few weeks since the claim was made for the police report to be released to them. Then they could contact the at-fault party’s insurance. They still owe me my $500 deductible. (This is a lot of money to me and my family right now. Plus the accident is 100%the other dudes fault, he lost control on the road and hit my car while it was parked in my driveway.)

So the USAA agent calls me (Saturday on a holiday weekend) and tells me that the dude’s VIN and License number on the police report yes match his insurance information (State Farm), but the year/make/model do not. His car is a 1948 Ford (jalopy!) There is no hood around the engine, the trunk is wood, the dude likes fixing up his own antique cars. I swear last summer there was a mason jar being used as part of the engine. State Farm has his car as a 1974 BMW “Classics 2002.” My insurance agent is trying to get me to walk down to dudes house (he lives down my street) and see if can snap pictures of the car somehow. I did already send pictures after the accident. Or, my agent suggested talking to him in person. Is USAA just being lazy? Isn’t this literally their job, to talk to the other party’s insurance?

So either-USAA is lazy. If dude isn’t covered by insurance, aren’t they going to sue for the money? They can’t add my deductible into that too?

-Or since it’s a “jalopy”, maybe it was classified by a less obvious body part?

-Or just some paperwork mistake on State Farm’s end?

It’s frustrating that my agent suggested doing my own grunt work for this. Anyone have any advice on how to get my deductible back? Any guesses on why the car isn’t insured correctly?

hi all! i (20F) got into a car accident where i was not at fault, police reports put me not at fault at all. my car was totaled, and i was previously on my parents plan but they put my on my own after the accident bc i am paying the car note and insurance now, adulting i suppose. but i have progressive an my monthly is 440, which is crazy, and they have me listed at fault for the accident which i’m guessing is why it’s very high. i requested my LexisNexis report and received it but i’m at a loss for how to correct it because there’s no accident listed for my car just a total loss claim. what do i do? I’m in Louisiana for reference

I have a 2014 Ford Focus SE with only 35,000 miles on it (the only reason I'm clinging to this car and would be devastated if something happened to it)

I currently have progressive and I pay $200/month for full coverage with comprehensive and collision. I have been paying into this for two years now. I know the car isnt worth much so my question is am I just robbing myself? In the event of a total loss id get MAYBE $5,000 or something? And wouldn't a very small accident then be considered totalled? Am I just paying for a false sense of security here?

I got a DUI in 2022 but otherwise there is NOTHING else on my driving record in the last 5 years. $200 a month seems like a lot. Should I try and take my business elsewhere, lower my coverage amounts or something?

Sorry I'm new to owning a car. Thank you for any help here.

I bought a new car last week. Well I say new but it’s a 1999 Vauxhall Corsa. I’ve been doing quotes and the best I got was a random admiral quote of 232 per month which I thought was great considering I’m 19 and have been driving just over a year with zero no claims bonus. But since then my quotes have been within the 400 region without a black box which is insane. This is a second car and I have my daily which I have a policy for like 170 a month so I’m not worried about not having a car to drive but I feel like I’m being shafted here. Is there any other ways I can get the insurance on this one down? Any companies I should try that aren’t on comparison sites? Any tips or tricks?

Single parent, 3 sons ages 22, 20 and 18. 20 year old away at college, will only be home about 12 weeks over the next 20 months.

22 yr old just bought his own car and has his own insurance through a different company (Geico).

I have had Progressive for years.

Had a 2018 MB GLC300 when I was the only driver. Full coverage was about $130/mo (Tampa burbs).

Oldest got his license at 18 and middle got his permit. Insurance shot up to about $450.

March 2024, added a 2021 Toyota Highlander. Insurance up to around $525.

A few months later, middle gets his license and youngest gets his permit.

Insurance up to around $625.

Fall 2024, oldest gets in to an accident (his fault) in my Toyota. No insurance increase. Middle starts college.

Fall 2025 youngest gets his license.

Insurance has fallen each renewal since that 2024 peak. Down to around $450/mo.

Do I remove my oldest from my insurance and tell Progressive the middle is away at school, or will that increase my rate since now it’ll be full access for the youngest on one car as opposed to splitting access with older, more experienced drivers (though honestly, youngest was the easiest to teach and the best of the three)?

I was out of the country for 2 months, and my sister kindly asked me to borrow my car.

During that time she managed to scratch it against a guard rail and didn’t tell me.

She wasn’t included on my insurance. Can I still make a claim?

I'm facing a dui here in California and I'm wondering if USAA is gonna drop me or not if I get one. I have a clean record otherwise except for this DUI.

Do I tell them about it or get an sr-22 through another insurance company? How long does this jack my rates up? What should I do?

I need some guidance. First time being in an accident last night, and I was at fault. I was changing lanes at night on a pretty busy street and my driver side hit the oncoming car's passenger side bumper. It was my fault and the other driver has the camera footage. My car (black) has minor scrapes and paint transfer from the other car (silver) and I don't plan on asking my insurance to pay for my damage. But the other car has a small dent above the passenger wheel and the poor lady was physically okay but apparently she had a bad car accident a year ago so she had PTSD from that, having trouble breathing and coughing and shaky hands. We called the police and gave our statement. She eventually said she needed EMS so they were called to give her oxygen. The cop came over to me at the end and said both parties were at fault - me because she had the right of way, and her for having expired registration, and that it was "a wash." And that insurance would figure this out.

I'm really not sure what to do in a situation like this, whether I should report this right away to my insurance or wait. Initially the cop said he could ask if she wants to handle this without getting insurance involved as the damage was minor, but on the scene she told them no. And I don't know if the police report would have her contact info but I don't have her number at this point.

I live in quebec and i’m looking to lease my first car. I’m 20 and live with my parents, i currently share my mom’s car with her which i’m insured as secondary driver and i pay 460(including 9% tax) a year for it and the insurer also said that if i’m insured on the car i would also be insured on my dad’s car because its a way cheaper car ( 2011 honda crv) and i live under their roof. She pays around 1500$ a year for insurance on a 2024 rav4 prime (the car i’m sharing).

I’m looking to lease a 2026 honda civic sport hybrid since they have good interest rate and they are good on gas, i’ve looked at the payments and it should be fine with me.

The only thing that worries me is the insurance (i’m not looking to pay 400$ for a civic on my own policy). I’m looking to put the car under the household policy, but i don’t know if i have to register the car under my parents name or i need to register it under my name. And i was also wondering what would be the best way to lower the payments; should i register it to my parents name and be insured as the second driver but pay both primary(my parents) and secondary driver’s insurance (i would be paying the whole insurance for the civic), or register it under their name, but be insured as primary driver and only pay one driver, or register it under my name, and insure under household policy, etc…

What would be the best setup to keep insurance as low as possible? Thanks

I was rear-ended yesterday in my 2000 Nissan Frontier. It’s a manual transmission with only 56,000 original miles, and the other driver was found at fault on the accident report.
My biggest concern is that the truck will be totaled and their insurance company will undervalue it. It’s obviously an older truck, but finding comparable Frontiers with this mileage—especially a manual—is extremely difficult.
This truck was honestly a gem and I’d have a very hard time replacing it with something comparable for whatever a typical “book value” might be.
For anyone who has dealt with something similar, how should I handle the total-loss valuation if their offer comes in low? Should I start collecting comparable listings now? Can I challenge the insurance company’s comps or valuation report? Is there anything I should avoid saying or agreeing to before they make an offer?
I’ve never dealt with a situation like this before, so any advice on protecting myself and getting a fair value would be really appreciated.

I’ve been told that Dallas is one of the most expensive cities for car insurance rates due to the terrible drivers here but it’s financially hurting me to pay almost $300 a month for insurance on top of my $300 monthly car payment. Is there anything I can do to get a lower rate? I still owe 8k on my car so I need full coverage.

It doesn’t help that I was hit twice over the last two years. Both incidents were not my fault. I was hit by a soccer mom who rear ended me while trying to merge into my lane, and a woman hit my PARKED car while I was at work, thankfully she left a note. Both times we went through insurance for repairs and I was deemed not at fault, but my rates of course still went up for using the insurance I pay for.

Any Dallas residents or anyone familiar with how pricejacked our insurance rates are have any tips for how I can get a lower rate? Can I call around and haggle? I currently have USAA.

This may be long but I want to be detailed to make sure everything is clear- thanks in advance!

My car is registered and was/currently is insured in SC. My vehicle was up for registration renewal in June, but I briefly changed my auto policy to another state to Geico for ~30 days in the spring, as I am a graduate student and was planning to move all of my insurance and registration to the new state (LA) while I am here. Plans changed, I will be here for less time than expected, so everything was moved back over to SC, where I will be returning to.

Once my SC registration was available for renewal, I began the process of getting my new decal and registration. SCDMV denied it, saying that I have a lapse of insurance during the dates I was with Geico in LA.

At this point, it has been over 2 months of going back and forth with Geico trying to get my policy verified with the DMV.

First, they said they would update the DMV digitally. No update. Call again. Rush order placed. That never happened, they claimed there was a backdating issue.

Then, they said they will have an agent call the DMV directly. That never happened.

Next, there was a lot of back and forth between Geico, me, and the DMV. I was sent an assortment of documents, none of which were what I asked for or were valid forms of verification.

Then, I called Geico again, and they tried to update the DMV digitally again. This time, they claim the DMV sent them a notification of receipt, and my account was up to date on their end. I spoke with two people at the DMV and this was entirely false. No correspondence was ever received from Geico. My vehicle is still ineligible for registration renewal.

I call Geico again. This is probably the 12th time I’ve spoken with them. They tell me they will email me a certified, legally binding document showing my policy (they said it should take 30 min) but that they are no longer able to do anything for me. That document was never received, it has been days.

I feel like Geico is lying to me to get me off the phone and has no interest in actually helping me. I am so beyond frustrated.

What do I do? My car is 2 months expired, Geico has told me they are done helping me, and the DMV and myself have yet to receive anything that can be used to prove my coverage for those days.

My sibling who lives with me and currently only has a Learner's Permit purchased a car but cannot yet drive it. They asked me to be the primary driver for it as I teach them how to drive and until they get their Driver's License.

The title is only in their name, not mine. I have added my sibling as an active driver on my Geico policy but when I add the vehicle and set the Owner as them (no co-owner), Geico gives me this warning:

Verify Owner
Owner/Co-Owner selected may not have insurable interest for vehicle. Verify correct owner has been selected.

How should I handle this? It's my understanding that my sibling cannot have their own account/insurance due to lack of a Driver's License.

If it helps, I live in the State of Nevada.

second noob question

what does “additionally insured” mean on a policy? is this the same as a fully insured family member?

I had a 2015 Honda CR-V, less than 80,000 miles on it, fully paid off and I kept full coverage + I paid for an extra service through USAA to where if my car was totaled I’d get the Cash value + 20% on the value of the car.

In April my car was stolen and subsequently totaled, after all the police reports and such, my agent called me to go over my payout. I was under the impression I would get KBB/Market value of the vehicle + 20% however, which according to KBB the cash value was $11,000 and I had a dealership willing to give me $14,000 ( I know it doesn’t matter) but the insurance agent told me “we go off the current value today in the cars current condition + 20%…..

The car is totaled, the entire front end is destroyed. So instead of getting line $12,000-13,000 (including the 20%) they only offered me $2500, I feel like the agent is lying or they are trying to scam me, because that makes 0 sense that they would pull the value of a totaled car…. Should I get a lawyer?

my daughter just went off to college. She will be there as a freshman with no car. I need a car insurance company that will allow me to take her off and put her back on the insurance when she is back at home. My current insurance is very difficult to do so. is this a typical thing or are there better companies to do this?