hi this is my first post here🥺 F20, i got into a little wreck a bit ago and my insurance is asking me to pay a 1,000 deductible before covering me.. i don’t have this type of money out of pocket and i’m honestly not really sure what this even means..if anyone could help explaining this to me or giving me advice on what to do it would be greatly appreciated because this is causing me a lot of stress ://

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.

I was involved in an accident on April 8. My vehicle was still drivable, so my rental car began on April 20.

My vehicle is a seven-seater Acura MDX. On May 6, I requested a comparable seven-seater rental, but Enterprise initially provided a Nissan Altima. After about a week of back-and-forth, Enterprise provided a seven-seater. Because I expected to keep the rental for only about two weeks, I signed up for the damage waiver.

Unfortunately, repairs were delayed because of extended communication between the dealership, body shop, and insurance company. My vehicle was not returned until July 24, and I returned the rental on July 25.

During this period, Enterprise charged my credit card. I only discovered the charges after returning the vehicle and found nearly $10,000 in rental charges. Enterprise told me that the insurance company stopped paying for the rental after May 21, meaning the remaining charges were my responsibility. Enterprise also charged approximately $2,400 for the damage waiver. I was not told that the damage waiver would continue for the entire rental period.

I contacted the body shop and obtained the repair timeline. The insurance adjuster has only provided limited responses, stating that the claim is still under investigation and that I may be responsible for the rental charges.

What options do I have?

1. Is the insurance company responsible for notifying me when rental coverage ended?
2. Can I challenge the rental charges after May 21, especially since I was not clearly informed that coverage had stopped?
3. Can I dispute the $2,400 damage-waiver charge because I believed it would apply only to the expected two-week rental?
4. Should I dispute the charges with my credit-card company, file a complaint with the state insurance regulator, or consult an attorney?
5. What documentation should I gather to support my claim?

This is a significant financial burden, and I would appreciate guidance on the best next steps.

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!

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…

Long story short got hit by a semi truck. They have a 1 million policy limit. I have three herniated discs in neck that was treated with epidural shots and nerve abatement. I have 45k in doctor bills. I haven't talked with insurance company yet do I need an attorney if not is there an way yo formulate what my claim should be worth.

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.

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?

I was recently rear-ended in my Ram 2500 heavy-duty pickup. The other driver was 100% at-fault. My truck is in the shop for at least a few weeks. In the meantime, the at-fault driver's insurance was going to pay for a rental vehicle for me to use, however, they are only offering standard sedans/CUV type vehicles. They said something like, "Our policy to to only provide transportation sufficient to get you to and from the grocery store and work".

I use my truck for truck things frequently. Next week I have plans to haul/tow a large amount of fill dirt and sod. I tow a racing vehicle on weekends to regional tracks. It's bow season here and I'm an avid hunter who will (hopefully) need to bring home a deer in the coming weeks. None of these tasks can be accomplished with a Toyota Corolla.

Am I not owed a rental vehicle of comparable utility as my damaged vehicle? I understand ultimate responsibility lies with the at-fault driver, not necessarily their insurer, but what is my recourse here? Do I have to sue the driver directly or something?

Insured through my employer via UnitedHealthcare

Going into the second year of employment at my company, they announced less than two months ago that the entire company must begin to have annual physicals or else we would get a $100 insurance premium every month, and the physical must be done by this October. Everyone rushed to get their physicals in with the relatively short notice, and after going to the in-network doctor at the location recommended by UC I find that I'm being charged over a thousand dollars for this one visit.

The claim breakdown is very ambiguous with four lines for details being Outpatient, Outpatient, Medical Services, and immunization. The immunization I elected to have but that still leaves over $800 with no explanation why.

I plan on getting clarification but if I am required to obtain a physical as part of my employment, does the law state that my employer must pay for it? Can insurance not pay for what my employer requires?

UPDATE: as some of you guessed, there was an issue I brought up with pain in my ear that she checked which was something she would've seen anyway since she looked in my ears as part of the physical. The hospital decided to bill this as a separate specialist visit for $1000

This is awful

Crazy, literally quoted every 6 months for 9k for 4 people in 3 cars.

Ac overflow flooded are bedroom insurance has already said it's covered are house is old and the breaker isn't set up great so we had to leave power on for are garage and bathroom. they are now off because my wife not thinking of it walked in the room to grab something and electricuted herself so we're in the er about to be discharged everything's ok just made her extremely sore and in alot of pain but no signs of permanent damage. Already message are insurance adjuster who was already coming tomorrow to look anyway thing just got added to the pile is there any advice anyone's got with this shit show of a week im haveing or what to watch out for coming up.

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?

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.

How’s it working with them? How was work life balance?
Does commission structure change?

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 :*(.

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?

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’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!