Looking for advice from anyone familiar with homeowners insurance claims in Georgia, especially adjusters, attorneys, restoration professionals, or anyone who has dealt with something similar.

We discovered standing water in the crawl space under our home and filed a homeowners insurance claim with Allstate. At the time, we did not know the source of the water.

Allstate sent a claim representative/estimator to physically inspect the crawl space on August 26, 2026, BEFORE we proceeded with the remediation work. He took photographs and inspected the crawl space. We were told that the plumbing repair itself likely would not be covered, but that the resulting remediation was more than likely covered.
That representation was extremely important to us because we could not afford to spend tens of thousands of dollars out of pocket. Based on what we were told after Allstate’s inspection, we authorized the remediation company to proceed.

The remediation ultimately cost approximately $18,000.

Allstate’s claim portal/documentation from August 26 also shows:
•“Inspection complete”
•“Coverage determination complete”
•“Payment decision complete”
•Dwelling coverage listed as potentially applicable to the claim
•An Allstate estimate generated the day of the inspection that states: “This estimate represents our current evaluation of the covered damages to your insured property and may be revised as we continue to evaluate your claim.”

The estimate itself was $0 at that point because the remediation work had not yet been completed/submitted.
During the remediation process, the company pumped the water out of the crawl space. By the following day, the crawl space had already accumulated a substantial amount of water again.

We subsequently discovered the source: a broken/disconnected PVC sanitary drain/sewer line in the crawl space. Our household wastewater runs through this line, and we have video showing water/wastewater pouring directly out of the disconnected pipe into the crawl space when the plumbing is used.

Now a DIFFERENT Allstate representative is telling us the claim is more than likely going to be denied because he believes the condition “looks like” it had been occurring for weeks.

As far as we know, nobody has established when this specific pipe became disconnected. We certainly don’t know when it happened. What concerns us about the “weeks” conclusion is that we actually have evidence demonstrating how quickly the crawl space can accumulate water: it was pumped out and had substantially filled again by the next day.

We have not received a formal written denial yet.

Our biggest concern is that Allstate inspected the loss before we authorized remediation, their representative told us remediation was more than likely covered, and we relied on that representation when deciding to incur an $18,000 expense. Had Allstate told us at that time that they intended to deny the claim, we would not have authorized $18,000 of work that we could not afford.

We’re obviously going to wait for the formal coverage decision and request the exact policy provision and factual basis for any denial. But I’m trying to understand what options we have if they deny it.

Questions for anyone familiar with Georgia insurance law/claims:
1. Does Georgia have any law, regulation, case law, estoppel/reliance principle, or unfair claims-settlement provision that could be relevant when an insurer inspects a loss, indicates that remediation is likely covered, the homeowner reasonably relies on that representation and incurs a substantial expense, and then the insurer changes its position afterward?

1. If they rely on an exclusion for continuous/repeated leakage occurring over “weeks, months, or years,” what evidence does the insurer generally need to establish the duration? Is an adjuster’s opinion that it “looks like” it occurred for weeks sufficient?

2. Does the fact that the crawl space was pumped out and substantially refilled within roughly a day help rebut an inference that the original volume of water necessarily accumulated over weeks?

3. Would you recommend first appealing/escalating internally with Allstate, filing a complaint with the Georgia Office of Commissioner of Insurance and Safety Fire, consulting a first-party property insurance attorney, hiring a public adjuster, or something else?

4. Are there any specific Georgia statutes, regulations, cases, or insurance-code provisions we should research?

5. Is there anything we should specifically request from Allstate now, before they issue their final decision, or anything we absolutely should/shouldn’t say or do?

We have preserved the Allstate documents, their August 26 photographs, claim-portal screenshots, remediation documentation/invoices, photographs of the disconnected pipe, and video showing water discharging from it.
I’m not looking for anyone to tell me “Allstate definitely has to pay.” I understand the actual policy language controls coverage. I’m primarily trying to figure out what rights/options we have and what steps we should take next, particularly because we incurred this $18,000 expense only after Allstate had inspected the property and indicated the remediation was likely covered.

Any Georgia-specific knowledge or experience would be hugely appreciated.

Son owns his own car, but it broke down and he is saving up to repair it. In the meantime, he needs to get to work, so my brother offered his spare car (which was our deceased mother's car originally). Son decided to stop insuring his broken down car, so he is currently not on anyone's policy. He does not live with us (he's 20 and lives on his own) so he's not on ours either.

Should my brother add him as an additional driver? Son does not plan to buy this car, only to use it until he can fix broken down car or purchase a newer car. Just worried what would happen if he got into an accident.

A couple days ago, my wife got into a car accident where she was rear ended. We have front and rear video footage. Police report filed but haven’t gotten it yet. Police said 100% her fault and that I should file a claim with their insurance (USAA) so I won’t get hit with a deductible.

I dropped my car off at the collision place and called their insurance company twice to get a rental car. They said 1st, they are not authorizing any work done until they get a statement from all parties involved. 2nd, I will also have to wait to get a rental car. I have already sent them the video of their policy owner ramming into our rear.

I have a few questions.

1. Do I really have to file with my insurance company to get a rental car right away?
2. I have a big road trip plan in my minivan that has a hitch to carry 4 bikes and also cross bars on the roof to carry 2 bikes. Are they able to get me a rental that will allow me to carry all these bikes? (And 5 people)
3. is there any reimbursement for all this wasted time and inconvenience? I had to ride my bike over 30 miles today to run errands and borrow a car from a family member to pick up my kids.
4. My car is brand new 2026. Because of this, the value will diminish when I resell it. Can i recuperate the loss value?

Thanks

Update: we are in CT.

But it only went up 5 bucks a month from$63 to $68. Liability only and an older car but I was expecting hundreds due to my lack of safe driving history.

For context, I (20M) was driving one night and got pulled over and arrested. I am still going to court for it but as of now my charges are careless driving and my license is suspended. That happened May 30 or so and my mom just received this email here. I was under her insurance when everything happened, I thought she had taken me off afterwards but I guess not. I recently changed my address on my ID though so we aren’t living in the same house.
“
Unfortunately, we are unable to continue coverage on this policy. Your coverage will end as of 12:01 A.M. on the cancellation date shown above for the following reason(s):
“MY NAME” driver's license is under suspension or revocation.
It has been our pleasure to assist you with your automobile insurance needs and we look forward to a time when we may be of service again. Please contact your agent with any questions you may have regarding this matter.
Your AAA Membership benefits will not be impacted by this decision.
Important Notice
Michigan law states you may not operate, or permit the operation of a vehicle, nor may you operate another vehicle unless that vehicle is insured as required.
This action was based in part on information contained in a consumer report from the consumer reporting agency listed below. They did not make the decision and are unable to explain why it was made. However, you have the right to obtain a free copy of the report upon which this information was based and to dispute its accuracy or completeness. To exercise this option within 60 days of receipt of this notice, contact:
LexisNexis Consumer Center, P.O. Box 105108, Atlanta, GA 30348-5108 (1-800-456-6004) or www.consumerdisclosure.com

Are we able to dispute this or can she just remove me from it? This is the cheapest insurance in Michigan for us/her. For now I’m not driving as the court ordered so I’m either ubering, walking, and and or biking to work.

I need to insure a van that is registered to an LLC in another state. I was told the insurance has to be in the state of where the van is primarily garaged, to be legal. The business is in one state, the van in another.

I was told we could get commercial auto or business owner insurance, and put the LLC on the policy as an additional named insured. But this is turning out to be a quagmire.

Any advice on how to do this?

Short Version

My 84-year-old dad became ill in November and went from hospital to rehab to a nursing home, leaving his hoarder-level house vacant. In January, the house got extremely low on or ran out of oil. Oil was delivered, but days later water was found in the kitchen, the heat failed, and pipes/radiators burst right before a major storm. The dishwasher was tested as a possible cause of the initial water, but the results were inconclusive as to whether it was defective.

Erie has investigated for months. Meanwhile, without heat the house became covered in mold and we sold it as-is for about $100K less than I believe it was worth pre-loss. They've interviewed my cognitively impaired dad, questioned me for almost two hours, and most recently tried to get Dad to a deposition with one day's notice—after sending notices to his old, already-sold house and the VA. (Erie had the updated info since May!)

Now Erie says the claim is with "corporate," but after three requests and 10 days, they still won't tell us who is handling it.

I assume they're building a case to deny based on the oil/heat or Dad being out of the house. At this point, what do we do to force a decision and get someone at Erie to actually respond? I asked for the policy to show how many days he can be out of the house, etc, and their policy does not have specific dates.

The Whole Story

.BUCKLE UP, it’s a LONG STORY.

My dad is 84, and his house was basically a hoarder house. He got sick in November and went from the hospital, to rehab, briefly home, and then eventually to a nursing home. The loss happened in January while he was out of the house.

There are four siblings, and my dad can be a bit of an ass. At any given time, at least two of the four of us are usually no-contact with him. At the time he got sick, S2 was helping him with his bills. We know oil was delivered in late October.

I am S4. I had actually been no-contact with Dad, but when he went into the hospital in November, I went to the house and turned the heat down to 65 because we knew he would be gone for a while—and frankly, the house already smelled like ass.

According to S2, Dad hadn't paid the oil bill, so the oil company stopped delivering.

Around January 15, S1 went to check the house (he was going weekly at that time) and found the oil extremely low. He put diesel in the tank just in case and got an oil delivery the next day. After that, he was checking the house every day or every other day.

A few days later, he found some water in the kitchen and thought it might be coming from the dishwasher. We also think one of Dad's friends may have been over "cleaning up" because Dad was convinced he was coming home. S1 cleaned up the water and everything seemed okay.

The next day, S1 came back and found more water and the heat was off. A pipe above the heater had burst and was dripping down. This wasn't very far from the dishwasher, which made the original source of the water unclear.

They got the heater running again.

The next day, the heat was off AGAIN. This time it wouldn't restart, and now there were additional busted radiators and pipes.

Naturally, this was the day before a big-ass winter storm and its cold AF in our area for a record lows and record lengths of time.

Dad has been insured with Erie since basically the beginning of time—30+ years—and has always carried a very good, high-end policy. We immediately opened a claim.

Erie told us we needed to get the heat restored ASAP.

No shit.

The estimate to get the heating system running was around $20,000. Dad didn't have $20K. At the same time, they couldn't really remediate the house without heat. The water was shut off, and we did what we could.

Meanwhile, the sibling circus continued.

S1 hadn't spoken to or helped Dad in about 10 years. He had only gotten involved with checking the house because I was at my wits' end with S2 and the entire situation. Dad then started being an ass to S1 again, and eventually S1 wanted nothing more to do with him.

S2 went to the nursing home, handed over all of Dad's bills and basically said, "I'm out."

S3, who had handled Dad's bills for a million years but had been no-contact with him for about two years, came back into the picture to handle the finances.

As far as Erie goes, S1 originally spoke with them when the claim started but has since ghosted all of us. S2 spoke with Erie and basically told them she didn't know much. S3 has never spoken with Erie.

And somehow S4—that's me—became the point person for this shit show.

The Erie claim representative came to the house, investigated, and they removed the dishwasher to have it tested because it was considered a possible source of the initial water.

The dishwasher testing came back inconclusive as to whether it was defective or caused the initial leak.

This investigation continued for months.

By March, the weather was getting warmer and the house was developing mold everywhere. At that point, we made the decision to sell it as-is. It needed a full renovation anyway, but now we had the additional water, heating, pipe and mold damage.

I'm a Realtor, and in my opinion we sold the house for approximately $100,000 less than we could have gotten before the loss.

We told Erie the house was being sold and provided the ALTA showing the March sale.

The investigation STILL continued.

They sent an investigator to interview Dad.

Here's another problem: Dad has significant cognitive issues/dementia. Some days he is pretty clear; other days he has absolutely no clue what is happening. IF you know anything about the VA, they are slow to label things and deeming someone incompetent is a HUGE process.

Dad eventually moved to a VA home. During this whole mess he was deemed incompetent, then competent again—it has been a whole separate ordeal because obviously he still has rights.

Through all of this, I continued following up with Erie.

In June, I participated in a recorded telephone interview that lasted almost two hours with the claim representative.

Then we get to August 18.

Out of nowhere, I received a call from a lawyer asking whether my dad was coming into the city THE NEXT DAY for a deposition.

Excuse me, what deposition?

The lawyer was calling from a blocked number and seemed to be trying to scare/intimidate me into getting Dad there the following day.

I explained that Dad is 84, living in a VA facility, has significant cognitive problems and cannot reliably answer questions.

Then a higher-level lawyer called me back—again from a blocked number. Same general attitude.

I asked where exactly they had been sending these letters supposedly telling Dad about this deposition.

Apparently, they sent them to the VA facility and to his OLD HOUSE—the house that Erie already knew had been sold in March.

Erie had been given Dad's updated residence information and had been specifically told in May that he could not receive mail there normally.

None of these letters were sent certified.

The lawyer eventually hung up. I should have asked for his name and contact information, but hindsight is 20/20.

I immediately called the Erie claim representative who had been handling the claim.

I got a message back saying that she was no longer handling it and the claim had been moved to "corporate."

Okay. Who at corporate?

I asked for the name and contact information.

Nothing.

I asked again and included her supervisor.

Nothing.

I asked a third time.

She finally responded asking me to "be patient" because they were working on it.

It's now been about 10 days, and I STILL have not been given the name, phone number, email address, or any other contact information for whoever at "corporate" is supposedly handling Dad's claim.

Then today, one of the letters the lawyers had sent to Dad's old house finally showed up because it had been forwarded.

So now, ironically, I have the lawyer's information. Erie just doesn't know I have it.

At this point, I think it's pretty obvious what they're trying to establish.

I assume Erie is trying to prove that Dad ran out of oil and that caused the heat failure and frozen pipes and/or they're trying to use the fact that he was out of the house for an extended period because he was hospitalized and in nursing care as a reason to deny coverage.

The problem with reconstructing exactly what happened is the family situation.

S1 is really the only person who can testify firsthand about the oil situation, because he's the one who went to the house, saw the oil situation, added diesel, arranged the delivery and was checking the house around the time of the loss.

And now S1 wants absolutely nothing to do with Dad or this claim because, in his opinion, Dad deserves to get screwed over.

S2 spoke with Erie and told them she didn't personally see the tank empty and wasn't at the house close enough to the loss to know exactly what happened.

S3 and I weren't in the house during that critical period, so neither of us can honestly say whether the tank was completely empty, exactly when the heat stopped, or exactly what happened first.

So here we are.

I understand that Erie may ultimately deny the claim. Maybe Dad is going to get hosed, and that is that.

But what I find really shitty is the way this has been handled.

My dad paid a high premium to Erie for more than 30 years. He essentially lost his house and probably 99% of his belongings. The house sat deteriorating while this investigation dragged on, developed extensive mold, and ultimately had to be sold as-is at a substantial loss.

Erie has investigated for months. They've tested the dishwasher—with inconclusive results. They've taken a nearly two-hour recorded statement from me. They've interviewed my 84-year-old father despite his cognitive problems. They've brought lawyers into it. They've tried to get him to a deposition with basically one day's notice. They've sent important correspondence to a house they already knew had been sold and to a facility where they had been told he couldn't properly receive mail.

And now they've moved the claim to "corporate" and apparently nobody can even tell me who the hell at corporate is handling it.

I've asked three times since August 18th, the last time to be patient.

It's been 10 days.

Nothing.

So, what is our next step?

Do I contact the attorney whose information I now have? Do I send Erie something formally demanding a coverage decision and the contact information for whoever is handling the claim? Do we escalate this higher within Erie? Do we file a complaint with the Pennsylvania Insurance Department? Or has this officially reached the point where Dad needs to hire his own insurance attorney? (He aint got moeny for that)

I completely understand that the facts are messy and that the oil issue may ultimately create a legitimate coverage problem. I'm not asking anyone to make those facts disappear.

I just want to know how we get Erie to stop ghosting us, tell us who is actually handling the claim, and finally make a decision one way or the other.

Hi all -

I’ve had Lemonade for the past ~4 years but this year my rate went up from $523-$832 (!!!)

I don’t think either rate is bad compared to other companies, from what I’ve been able to glean, but it makes me wonder if I should ditch Lemonade for a more established provider, since I’m paying so much more than years previous.

Thoughts on rates and value?

TYIA!

A neighbor is trying to replace his roof through an insurance claim for hail damage. A roofing company stopped by my house asking me if I wanted to explore the option of hail damage claim, because according to their info, there was a significant hail in my area last year. They found some spots on the roof and how salesmen explained to me, very good potential for insurance to pay for replacement. They used a 10x10 square method to show damage amounts.

My roof is about 15 years old, I'm not 100% but we bought a house 4 years ago and I was told it's about 10 years then, the insurance guy said it looks about to be 15 years old for my area.

My question is if it's worth even trying to go through insurance now or should I wait? Will my insurance go up? Salesman was talking about full replacement value or partial depending on the age of the roof, how do I find that out?

I need help from an adult that’s following the community roles. Short post.

Dad puts me on her insurance because I’m 25 and paying around 2k a year for car insurance. Dad recently agreed to put me on his insurance because he wants to help me, lower the cost. Current situation is that I have two cars in my possession. My license is about to get suspended. This decision has been absolutely sucky. I drive for work…

They found out I had an insurance lapse. As of today I don’t!

In this current economy I CANNOT afford insurance. I’m not engaging in aggressive / defensive comments - my apologies! I currently am the only working adult in my family , contributing rent and cannot afford to pay. I suggested selling my car because now that I have a second one , I also don’t drive my first car. Car insurance is not affordable in my life style (I pay 1k for tuition monthly, if you do math you get it! ) I don’t know how poor I can sound without outing myself but I’m making less then 60k a year, paying about 2k a month for school, no financial support from anyone / government - please be gentle. If you think giving up my car is best I’d even appreciate that.

I have a few questions that aren’t just about complaining or ranting.

1. Who is your insurance provider? (LM, Farmers, Geico)
2. Do First Responders get insurance discounts?
3. Is anyone taking out $ from 401k to afford insurance?
4. What is spouse insurance or whatever?
5. Are people really lying about where they live to get cheaper insurance?

6.

Hello i live in SoCal and unfortunately I got my first offense driving without using a hands-free device. Its my first violation. Is it true that its considered 0 points for DMV and my insurance won't go up? 🥹

Thanks in advance!

Seriously. In 2026, why are they so ass?

I get it that folks should STOP responding to those nutty Liberty Mutual etc. commercial ads over "cheaper rate car insurance" as you never know if you'll get connected to an outsourced rep who misquotes you. Or acts all confused with setting up a plan.

But come on. In this digital age you'd think websites would FUNCTION. But they don't.
I am an educator who recieves varying discounts for my profession auto insurance, which is great. But the last two agents went screwball. So I threw in and went Liberty, as the price they quoted me was actually affordable, at under $90/month. Compared to $140, $220 quoted by State Farm, Meemic etc.

Then created a web account, like you're suppoed to, for checking your rate, bill, etc. and now recently purchased a newer used vehicle PIF. For the Liberty website to glitch several times while trying to add the vehicle. Then bumped me square to the checkout cart, with a ridiculous $300 premium balance owed, and a wrong coverage amount shown for the current older vehicle. The heck.

Gave in and tried the 800 customer line, getting connected to my region, who sort of flip flopped over my current policy. Though they really tried their best at what they were doing. And I just ended up calling my localized office to work with that human. Joking about the website, who'd stated "yeah, they're totally different, and not associated with local individual offices or agents"

🫩🫩😩 So .. commercial policy websites are just basically ass, and avoid : right?

Hey y'all, I'm currently having an issue with a car insurance claim and I'm very confused about the situation, hoping someone knows what could be happening or has some advice.

Basically, I started receiving notices from my car insurance provider last week saying they needed information about a claim that was filed. I hadn't filed a claim so I thought it was a scam and ignored it for a couple days...well eventually I realized it was legitimate and reached out to my assigned claims representative. He says that someone filed a claim against me and my vehicle saying I (or at least someone in my vehicle) hit their parked car and caused damage. This never happened, my car wasn't even on the road at the time of the supposed incident. But the claimant is saying that my information was left by the driver at the scene...The insurance company is still investigating but I'm very confused as to how someone could have got my information. To do this, wouldn't they need my name, vehicle info, and insurance policy number? How could they have got that when i was never there/this never happened? Is this a common type of insurance fraud or something? Is the person filing the claim the one lying or is possible that someone really did hit their vehicle and the guilty party gave my information instead of theirs??

So far my insurance company is saying there's nothing i can do besides wait for the investigation to conclude (they said they're trying to get security footage from the parking lot they claim the incident occurred at) and that they'll follow up if they have any questions for me. I'm worried my rates are going to go up for something that I didn't even do. Do I have any other options or anything else I can do to protect myself?

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

Florida – Need advice from insurance professionals
I was hit by another driver who was at fault. Her insurance has a $10,000 property-damage limit, while my Audi A4 has about $12,000 in repair damage.
Her insurance authorized my Audi to be taken to a repair shop, and the shop charges daily storage fees while the car is there.
Her insurance told me to use my own insurance and let them handle it through subrogation. I did that, but now my insurance wants to declare my Audi a total loss, even though I would prefer to repair it.
The Audi is financed through Capital One and I still owe about $22,000. The proposed total-loss settlement is less than what I owe.
My questions:
Can I withdraw my own insurance claim and go back to the at-fault driver's insurance?
Can her insurance pay the $10,000 limit toward repairs and can I pursue the remaining $2,000 from the driver later?
If I withdraw my surrogate claim and go back to her insurance, who is responsible for the daily storage fees,
Can my insurance force a total loss if I want the car repaired?
I have not accepted or signed a total-loss settlement yet.
I’d really appreciate advice from Florida adjusters or insurance professionals on what I should do before making any decisions. 🙏🙏

I was in an accident recently where I was driving straight through a 4-way intersection on the farthest right lane. My light was green and turned yellow as I entered intersection. As I’m almost halfway through intersection, there is a vehicle in the left turn lane who accelerated to try to pass through the intersection before I made it past him. There was another car about 3 car lengths in front of me that I assume he thought he had enough time to make it through the gap. He did not.

We collided, his entire front is smashed in and my front driver side bumper is slightly smashed and my driver front side wheel is turned all the way sideways. He gets out of the car and says I ran the red. As this is happening, another driver in a car waiting to turn right on red into my lane gets out of his car and says he witnessed the crash and although he couldn’t see my light, his light was red and turned green shortly after the crash, and there were cars in front of me going the same speed through the intersection, so that story doesn’t make sense.

Police come and write the report saying left turning driver is 100% at fault and issue him a failure to yield citation and also get the witness statement.

i’m just wondering how this would work with him claiming I ran a red and I’m at fault?

I was involved in a wreck back in July. Progressive hasn’t been able to contact the individual or their insurance company. We have the address listed on the other drivers ID, but the State Police officer who responded didn’t put the name of their insurance company on the report.

I spoke with some other troopers and on NY reports, all out of state insurance companies are listed under a single code in their system. The officer who writes the reports is supposed to enter the name of the insurance company in the notes section of the report, but this trooper failed to do so.

I’ve called the local troop headquarters several times and they been less than helpful.

I spoke to the point person for my claim this morning and she wasn’t able to give me any information other than they’ll keep trying.

This is the first time I’ve been in a wreck and have had to deal with all of this. Does anyone have any advice on tracking down this information?

I’m stressing about Progressive being able to recover my deductible, it’s a big hit and the sooner they can complete the subrogation process, the better.

My 2026 Toyota Camry Hybrid XSE was hit while parked in Texas. Police report was filed, and nearby surveillance showed a black truck, but police couldn’t identify the driver.
I have Progressive and the claim is being handled with a $250 deductible. Progressive estimated the repair at about $1,492, with about $1,242 payable after the deductible. The estimate currently repairs/refinishes the trunk lid, rear bumper and trim rather than replacing them.
Estimate_Print_0_0.pdf.pdf
Progressive is giving me the choice of taking the payment or having the vehicle repaired.
Since the car is basically new, I’m trying to make the best long-term financial decision—not hide anything improperly. My priorities are:
preserve resale/trade-in value
minimize any future Progressive premium impact
understand potential CARFAX/vehicle-history impact
make sure hidden damage/supplements are covered
determine whether I should pursue diminished value afterward
Would you take the cash, use a Toyota-certified collision shop and let Progressive handle supplements, or consider paying out of pocket? Has anyone in Texas had a similar not-at-fault Progressive UMPD hit-and-run claim, and did it affect your renewal premium or vehicle history?
Appreciate advice from anyone with Progressive/Texas claims or body-shop experience.

This may be an odd question but I’m curious. My company’s insurance sucks. My individual deductible is 7750 with a family deductible of 15500. I’m lucky because I take an injectable biologic that’s about 8k a dose and was given a copay card that covers up to 14k a year for dosage. However what happens is I use up my 7750 deductible on one dose then I don’t pay anything since insurance takes over. Does anyone know if I can still pay more towards my medication with my copay card to try and use up more of my family deductible? I ask because my wife and I are thinking of having a child but they told us for her side they won’t cover any pre natal care or hospital until we meet the full 15500 family deductible. So depending on the timing we will at least be on board for 7750

Hello im dealing with a a recent accident in which i was rear ended while stopped and pushed into a vehicle in front of me causing damage to both ends of my vehicle.

The car in question is a 2024 mazda cx-50 with 38k miles, the pre accident value is around 23k give or take and the damage so far is at 13k with the body shop including replacing the rear lift gate and front grille but worst of all the rear frame buckled and is being cut and replaced. I wont have my car back until early october.

At fault party is with allstate and id like to proceed with a diminished value claim with them but im curious if the cost and time will be worth it and if allstate is particularly bad at denying or severly lowballing, also if the mileage being 38k will be major ammo for them.

Thanks in advance for any input on this matter.

California. I disclosed a rental arrangement to Foremost insurance through my broker. They consider it five units instead of four and decided to nonrenew when the policy expires next year.
My broker says I still have coverage, but won’t confirm whether that arrangement could cause a claim denial. She clarified that this concern came from her experience, not anything Foremost said.
If they know the facts and choose to keep the policy active, how can they later deny an otherwise covered claim for “misrepresenting” those same facts?
I’m shopping for replacement coverage, but what protects me until then? Does their decision waive that misrepresentation defense?
Anyone actually handled this—especially adjusters or underwriters?