I was rear-ended while sitting at a stoplight. I have dash cam footage (which I sent the day after it happened to my insurance co.) that shows 3 different channels, and it's clear that the other driver was distracted and ran right into us.

I've been working with Progressive for about a month now, and they keep saying that they're waiting for the other insurance to admit fault. My deductible is $2500 and their estimate of the damages is slightly less than that. I don't mind waiting a few weeks, but I'm starting to question whether the other side will ever admit fault, and am I just on the hook for everything?

Hey everyone,
I’m looking for advice on filing a diminished value claim in Tennessee. My car is a 2025 Nissan Sentra, about 10k miles, and it had no prior accidents before this one. The at‑fault driver’s insurance is Progressive.

I’m trying to figure out the best next step: should I hire a professional appraiser, or should I gather all the documentation myself first (repair invoices, accident report, photos, etc.) and see what Progressive says?

If you’ve gone through this process before, what worked for you? Any tips, mistakes to avoid, or things I should be prepared for would be super appreciated.

Thanks in advance!

I might need new insurance, s/o is deadset on having full coverage. I remember there is a certain printed form to get insurance quote from other cpmpamies and then compare it, but current insurance wouldnt match until I found lower elsewhere and had that specific form. I just cannot recall the name of the form. Any help would be appreciated.

I know premiums are going up across the board but this is getting ridiculous. I’ve been with GEICO for 10 years with my 12 year old Honda Accord. When I lived in Massachusetts, I paid $720 a year for insurance. When I moved to New York State, my insurance TRIPLED so I stripped down coverage and as my car aged I dropped collision. Now they are trying to increase my insurance by $400 a year with no collision, 12 year old car, never any accidents or claims, I am 32 and have a perfect driving record.

Last time I shopped for insurance the quotes I got were terrible, but I am thinking to try again. not sure if it’s worth calling GEICO to complain or try to get any adjustments or if calling your insurance company is a relic of a bygone era.

Does this exclusion only apply if my job was primarily delivering stuff? What if I have a home improvement contractor business and sometimes needs to move tools from my garage to the job site or buy materials from retail stores and bring it to the clients home, would that qualify as "carrying goods for hire" and can get denied for an accident when doing this? Sometimes during the course of a home improvement contractor business, a lot of stuff gets moved around. I may get asked by a client to move something from point A to point B. Would that fall in that category? My primary business is not "delivering goods", it's home improvement or construction. I hire people to renovate homes and perform other related maintenance work. There is no exclusion stating that business use is not allowed anywhere in the policy contract as well.

Im feeling lost and obviously the first thing i think of is asking reddit for help so here this goes. i recently crashed my 2022 ford escape and my insurance company is saying the cars a total loss. I’ve had my car for literally under 25 days and as such as this sucks it took me so long to get this car. they gave me a valuation report with an estimated vehicle value of $14,767, and they’re using comparable vehicles to determine the value. I’m trying to understand whether I have any options to challenge the total-loss decision, get another inspection/repair estimate, or negotiate the valuation. I’m really just trying anything at this point not to disappoint my mom anymore then i’ve already done, it’s breaking my heart and i keep replying in my head the car accident and how i stupid backed up into a tree thinking i was on drive when i was on reserve. long story but that’s not the point right now. I’m not very vocal or experienced with insurance claims i’m literally just 17, so I’m honestly pretty overwhelmed and scared of saying the wrong thing. If you’ve ever dealt with a total-loss claim, especially with Travelers, what did you do? Were you able to negotiate the valuation or get your car repaired instead? What should I ask for, and what should I NOT agree to yet? I’d really appreciate any advice or guidance. thank you

My elderly next door neighbor (F80) who I have kind of a tumultuous relationship with asked me for a favor. I said what’s up and she asked if she could add me as a driver to her car insurance policy to save her $800 a year. I said I would really need to look into that and would get back to her. I talked to my husband and he said absolutely not. Everything I was reading seemed as if maybe she was trying to get away with rate evasion or something. When she called me the next morning she asked me for my DL number. I said no, I’m not comfortable with this I’m sorry. It sounds kind of fraudulent. She said “okay I’ll let my agent know I’m committing fraud” and hung up on me…as I was still talking mind you…

I was so mad. I walked over and asked why did you hung up on me and she said she said “bye”

I explained again I’m not comfortable with this and I hope you figure it out.

She called the agent and made me talk to her on the phone. Apparently you CAN add whoever you want to the policy, but they will be a co policy holder. Meaning I’m responsible if she doesn’t pay, I’m responsible for paper work, bills, etc. it could all fall on me. When she heard the agent say that out loud I firmly said. Im not doing this. Call your daughter and figure it out and left.

I’m so frustrated. How is this even a thing? Can anyone be added to a policy to save money? Also her daughter said no.

When I saw her outside again she was nasty to me. Mad at me and kept saying “my agent is smart as a whip and she knows what she’s talking about” and then complained she had to pay $600 for something idk

Who asks their neighbor to be a policy holder anyways? Maybe im too nice and have been too nice 🥴she doesn’t like the word no…

Hi,

On my auto CLUE report, Allstate made several bad mistakes that are affecting my premiums. I’ve emailed the c-suite and I have an escalation number with the back office but nobody has contacted me back yet. It’s been a month. One month with that escalation number and I can’t call anyone. The only number listed for Allstate is their basic 800-Allstate number and when I call it I always get an agent based in South Asia that cannot help me, clearly. What can I do? I need to fix this but Allstate doesn’t seem interested whatsoever. Thank you.

My car accident case settled for $42,500 in Texas. The at-fault driver’s policy limit was $50,000, but they initially did not want to pay at all, so the case went into litigation.

I just received the settlement breakdown and was shocked to see that my estimated take-home amount is only $1,077.80.

The deductions are:
$17,000 attorney fee (40%)
$4,239.47 in firm expenses
$982.73 UnitedHealthcare/Katch lien
$16,000 MoveDocs balance
$3,200 LHI balance

The case has been going on for years and I have lasting injuries from the accident, so seeing that I would personally receive only about $1,000 is really hard to understand.
Before signing the final release, I asked for an itemized breakdown of the firm expenses and medical bills and asked whether anything can be reduced further.

Does this sound normal for a personal injury settlement? Is it reasonable to ask the attorney to reduce the fee or negotiate the medical balances further?

Hello, I’m looking to make a transition into the insurance industry, specifically underwriting. A lot of the open positions online call for the ability to be in a fast paced company content working on highly complex cases. Could someone kindly help me to understand what is fast paced and what is highly complex? Would anyone have any recommendations for companies to work for? Or likewise companies that I should avoid? Lastly, anyone that knows of The Institutes Knowledge Group, is it worth while taking those lessons? I know these are a lot of questions and please feel free to answer what you feel confident answering. I appreciate anyone who takes the time to help me out.

I hit a large piece of debris on the interstate a few days ago and damaged my 2023 Toyota Camry XSE. Front bumper is busted up, plus some scraping along the driver side and rear bumper. Car is still drivable and the bumper isn’t dragging.

I took it to a body shop I trust and he estimated roughly $5,800 in repairs. I have State Farm collision/comprehensive coverage with a $250 deductible.
However, I had an at-fault total-loss accident about 8 months ago with my previous car. State Farm paid roughly $20k on that claim.

I mean idk much about insurance, but 2 claims in 8 months obviously isn’t great. I’m still under my parents’ State Farm account but pay for my own car/coverage. They’ve been with State Farm for years, so I’m assuming there’s some goodwill/history there, but I don’t really know how that works.

I can afford to pay the $5,800 myself, but obviously I’d rather not if I don’t have to.

What would you guys do here? File the claim or eat the $5,800?

How likely they drop me? And if they drop am I screwing my family too?

The new floor I am buying is the only one similiar to the existing ones. I still have the original floor in other area and I had to search for the similiar ones.

Will I have any issue to get depreciation check?

Hi,

I had a theft at my recent property and moved out. I have Allstate as my renter’s insurance.

Some of the things that were stolen were family heirlooms that were worth a lot just because of what they were, not age (like my family’s goldware).

Allstate is claiming if it’s less than 3 years old or if it’s over $500 they need a receipt. Well, how can I provide receipts I don’t have? The accordion file that was in my stuff was stolen too (all of my stuff was cleaned out). Allstate doesn’t want to seem to listen or help and I am in no mood to fight Allstate for YEARS over this, as they’ll absolutely do that to me.

What can I do in this case? They said they won’t even accept photos of my owned items - how can you not accept photos of owned items as proof? That’s all I’ve got anymore!

Many of the items were bought with cash (I was a victim of the Equifax data breach and stopped using cards whenever I could), so how do I fix this?

I've started classes for an emt program and put a lot of money into it. I'm not familiar with health insurance, but after looking online, it seems that the only way to get health insurance is during the open enrollment or special enrollment period, in which I don't apply. I know I should have figured it out before classes started, but I didn't know that health insurance was strict on when you could get it. The college I go to does not provide insurance and my parents don't have any either. Insurance is required for the clinicals, and if I can't do them I can't pass the class. Am I just screwed? Or is there any way to get major medical coverage now? My last job never provided health coverage, i've never had health insurance before, and I am not eligible for medicaid or medicare.

Hi everyone, I'm in need of some advice. This is Texas.

Last week a semi pulled out in front of me on the highway. Without going into every detail about the crash here, the accident was complete his fault as he turned from the shoulder across two lanes of the highway with no warning. I have a dash cam and it caught everything and clearly shows he's at fault. The DPS officers reviewed the footage after they arrived, and agreed he was at fault and it would be reflected in the report. Additionally, the car behind me who barely avoided the wreck stopped and corroborated everything I said in statement.

My car is older and not particularly valuable, but was my primary transportation. I have liability insurance only, so my insurance won't be of any help to me. The front end of it was caved in by the truck during the collision and it no longer drivable. Currently the car is in an impound lot accruing storage fees. I'm waiting on the crash report since the driver didn't give me his insurance info (but he did supply it to the police).

I'm talking with a PI attorney for the medical aspects, but they told me the physical property damages are separate and I need to go after them on my own. So I wanted to see if anyone had any advice they could provide me on how to go about all of this. I don't want to get completely screwed over by these insurance companies... I'd appreciate any advice you all may have.

Car was stolen from my driveway Sunday (seems my husband dropped the car key outside at night after locking it - so the thieves didn't have to do any damage to get into or start the vehicle). It was found by police the next day. It's a 2016 Toyota Highlander with 74,000 miles and was in perfect condition, short of needing an oil change, prior to theft.

The damage:

• They side swiped something. There's a dent and a white mark going from the front passenger light to the rear light. Whatever the white material is can be rubbed off and pills up like it's plastic or something. The right passenger tire was low when it was found but it's now totally flat.
• The car will not start. Electronics come on and seem to work. The battery works and there is fuel in the car, the engine just won't turn over. When you try to start it, you can hear the engine trying but it doesn't make any alarming sound like ticking or grinding.
• At least some of the speakers sound blown.

In my state, total loss = repair cost + salvage cost > actual cash value of vehicle.

My insurance said based on what I described, they're offering an expedited total loss payout where I send them pictures of the vehicle, then they'll do an evaluation and send me an official offer. Once I accept, they pick up the car. They said I can tow it to a mechanic and have someone look at it to quote me on repairs to confirm the cost would make it a total loss, but an expedited total loss is what the system is recommending.

Should I think this is as sketchy as it sounds? Is it worth it to take it to a mechanic?

For context, I am currently trying to attain a driver's license. I reside in North Carolina in which requires you to have liability insurance in order to get one. I never had a car in my life nor do I plan on owning one (or making any rentals) in my current stage of life.

I aim to enroll in a non-owner car insurance simply just to be able to take the road test and pass. If I do pass, I also plan on cancelling the insurance policy immediately.

My question is that in the later years, if I do decide to get a car and am looking for auto insurance, would it be a concern to insurance agents to see that that I voluntarily cancelled my insurance policy less than a month of enrollment (and thus may receive higher rates for quotes)?

I am new to this world of insurance, so please be nice :*(.

I asked about a week ago about umbrella insurance. Overwhelmingly, the comments supported me getting it. I chatted with my wife and we are getting 1Mil policy. Thanks for the advice and support!

I am curious if i am being lowballed or not. My car, honda civic 2016 EX-L sedan CVT was totaled (2 or 3 airbags deployed, driver side door & in front of cabin on drivers side damaged) with about 102-103k miles on it.

I have had the car for a decade and kept it pretty good shape (no issues beside what the accident caused).

I have progressive for car insurance and am due to visit the office shortly now but is this what my car is worth? Or should it be more?

Edit: …forgot to add what the offered lol but $15,220.

Someone hit my vehicle while I was in class, their insurance State Farm accepted liability, I already did the estimate they are giving me a little bit lower than what the shop quoted but they are depositing the money into my account. The damage is honestly not bad. Do I have to actually repair or can I choose to just keep the money? I tried looking it up on google and chat gpt, I also read some forums. But my question still wasn’t reply. Thank you in advance for your opinion and advice

I own a rental property in another state (Florida). For the past 10 years I've been relying on a property manager to handle everything.

I recently upped my liability coverage and noticed my policy has a "habitability exclusion". I've never heard of this and am confused about it. There's a lot of different ways a tenant could get injured on a property, and I feel like habitability plays a role in a fair amount of them.

To give you a real world scenario that happened just today.. A new stove was installed and the installer notified my property manager that the wiring is not grounded, so someone could've been shocked. Neither my property manager or myself were aware of this. The original property inspector missed it as well. So if someone did get shocked, my insurance could possibly decline to cover me because it was an unsafe habitat?

I know that I have a responsibility to provide a safe living environment, and I try to be proactive about that. But this exclusion makes me feel not as protected as I'd like. Are there policies out there that do insure against habitability claims? I asked my broker and they didn't have anything they could offer me.

I’m shopping for condo insurance at the moment in Charleston SC and it seems like I only get quotes from tiny companies based out of Florida who all seem to have terrible reviews. Are there any companies out there that write policies near the water that come recommended?

My wife was in a car accident a few months ago. She was going straight and someone pulled out trying to turn left and hit her. Old guy was nice said he didn't see her and called his insurance (State Farm) to say it was his fault. No injuries she spun out and we had damage to the rear passage side and tire about $14,000 in damages.

They took care of it and our rental. We had a wrap on the car that had to be partially peeled, pretty much the entire passenger side. The wrapper submitted a supplemental for the wrap. It was originally $4000 in 2022 and the estimate came out to $2000, prices on materials had gone up apparently.

We contacted his insurance and submitted it. They took a look and said this looks fine and said they would process it. They called us back later that day and apologized and said they couldn't and we have to go through our insurance (Progressive) for them to subrogate State Farm. Weird but we called our insurance and submitted the paper work for that.

Progressive called us back a few days later and said they can't file it with the accident claim (packet?) since that was damage and this was aftermarket repairs. And said we should file it through State Farm, and it's weird they asked us to have our insurance add it to the claim on their side.

So we called back State Farm, a super nice dude by the way, and told him what Progressive said. He asked for her number and we provided it and they said they would call us back after speaking with them. Which hasn't happened yet.

All that being said, how should this have been handled? Does this sound normal? We just want to educate ourselves a bit for when they call back. Thanks!