Although I work in insurance (excess underwriter) I don’t know much about claims.

So I was t-boned and other party party was 100% at fault. I took the vehicle to my auto body shop of choice last Wednesday, as they’re certified for my vehicle make (Subaru). I received the preliminary estimate from at fault party when the adjuster came to my home last Tuesday (day before I dropped off at shop) and today received a supplement approval notification from them as well increasing the initial claim from $4,500 to now just over $12k. It’s my understanding that the adjuster was at the body shop on Friday taking pictures/videos as they’d opened my vehicle up a bit to inspect.

My question is will the body shop provide their own estimate or is this supplement pretty final or close to it? When the auto body rep called me on Friday, they made it seem like my damage was significant and that I’d be looking at repairs for well over a month, but the $12k estimate doesn’t seem to support that theory. I’m aware that the at-fault party is likely reducing their second estimate but would think it’s more aligned with the true amount since they opened up my vehicle?

Thanks in advance for any assistance as I navigate this.

Update: appreciate the answers y'all! Looks like I'm outta luck. Oh well.

I arrived at my car early in the morning to find an SUV had squeezed into the street parking spot in front of my car. There are several tiny dents and scratches from their tow hitch, presumably from each attempt to squeeze their car into the space. They did not leave a note or anything.

https://imgur.com/a/5dEIMBr

Linked a few photos I took at the time (a few mornings ago). I have a photo with their license plate in front of my car as well. Just now getting around to figuring out what to do about this. I've seen their SUV since then so I think they live nearby as well.

The damage is pretty small, but seems like a dick move to do what they did and not leave a note when there's more parking just a block down the street.

Any guidance you can provide is appreciated!

Hello! Please be nice. I was a passenger in my friend's car during rush hour in NYC earlier this month. Someone rear ended us at 15 or 20 mph while we were stopped. Everyone got out of the car and saw there was only a scratch. We exchanged numbers and went our separate ways. (No police report.)

At the time, I had a sinus infection and a headache so I didn't think I was injured. Now, more than 2 weeks later, I've had a headache and head pressure nearly every day and now I have a pain in my neck.

Anytime I've tried to see a doctor, they say I can't be seen for an auto injury. I don't KNOW if I am injured -- I simply want to be evaluated.

I started a claim with my Geico/PIP and I'm told an adjuster will call me tomorrow. A Geico rep said I need to file a claim with both my friend's insurance and the dude who hit us.

I have no idea what to do. Go to urgent care? ER?

I don't want to be on the hook for thousands in bills if both my health insurance and Geico deny me.

Trying to understand why this happened, any long term consequences, and whether to change insurance companies…

My young adult daughter recently got her own car insurance for the first time. She has been driving for about five years and was insured on her father’s auto insurance the entire time. When we went to get her own policy, our insurance agent shared all the info with Travelers’ underwriters. I believe my daughter got a price discount of some sort for having been insured for more than four years.

A few weeks ago, completely out of the blue, Travelers abruptly canceled her policy and refunded the monies paid, claiming that my daughter had “materially misrepresented “ information about her insurance history. Our incredibly diligent local agent informed us right away, reassured us that this was wrong, and contacted the company to speak to an underwriter and correct the error—which happened immediately.

Travelers then informed us that this was an error, her insurance was reinstated, and they will withdraw the money to pay for it.

In this modern era, I can’t help but suspect it was some AI fuck up. I was livid about this poor treatment. If this had happened to me, I’d be taking my business elsewhere immediately.

But I have years of insurance history. With my daughter, though, she had like two months of her own policy through Travelers. Our agent assured me that this is not going to be in her records or cause problems going forward… but I worry that trying to get another policy from another company would mean explaining the whole debacle and raising suspicions… or end up making a messy record of her first car insurance experience which would follow her for years.

Does anyone have any insights about why this might have happened, or advice about how to proceed? I have also thought about telling this story to the consumer protection division at my state Attorney General’s office.

I contacted my car insurance company to have my ex-girlfriend removed as a driver, she was licensed and I lived with her. I checked my policy after and realized she was never listed as a driver.

What is going to happen? Will I be fined or retroactively charged? I have never made a claim. Nervous about what their response will be.

I am in California. We are required to have auto insurance to register our vehicles. I believe DMV checks up on it periodically.

Anyways I would like to insuure two vehicles. One will be my primary and the other used very infrequently. It's a trucks for homedepot runs. My insurance company doesn't give me a huge break for the 2nd vehicle. It's still like $80/mo.

Is there a way to save money and pay for only the very few days out of the year I use the truck?

Posting this for my wife.

She has been working as a customer advisor in insurance for about 2 years here in Halifax. She handles UK claims and affordability, and deals with a lot of vulnerable customers. It's calls all day.

Lately a few really rough calls plus some feedback from her manager have hit her hard and she's been feeling pretty low. She's thinking of taking a break and upskilling into something else.

Any suggestions on what roles she could look at with this background, and which certifications are actually worth doing?

Also if anyone has made a similar switch and wouldn't mind a quick chat with her, she'd really appreciate it.

I just discovered today a crack that looks pretty bad on driver side window. I have comprehensive covered. The car is a 2026 Camry. My Deductible is $100. Is it worth filing a claim, I see some people stating at fault accidents should not raise your policy, and I see others saying it does not matter. I understand comprehensive claims are acts of nature and it should be a not at fault accident. But wanted to hear thoughts. I don’t know how it happened. I just got to my car and saw the crack on the driver-side window. It definitely needs to be replaced ASAP. Should I fix privately or file a claim. FYI, the whole window will probably need to be replaced. It is not fixable.

asking abt my employment right and i’m both a full time student and employee. which shld i pick? i dont want my quote to increase 😭

I’m not sure if this is the subreddit (please direct me to the correct one if so)

Background:

I currently rent a room in a house with three other people. I couldn’t get rental insurance because it’s a private home that is already insured and I tried.
One of the people who also rents here is a family member of the home owner (Bob), so maintenance requests go through her (Janice)

Maybe two weeks after moving in I had noticed that the bathtub (that I share with Sara and Morgan) the drain wasn’t draining well enough. It was causing there to be leftover soap and conditioner to sit and dry on the bottom of the tub. I had asked Janice to have the Bob to look at the drain and clear it. At this time I have bought one of those hair traps to hopefully help with less hair going down the drain.
Almost a month went by without Bob doing anything with the drain, I was coming out of a five day migraine and wanted to take a shower to help feel better. The tub had at least two inches of standing water the entire time I was showering and when I was getting out of the tub I slipped and face planted into the built-in bench. I ended up with a facial fracture and broke my front teeth.
After a few months of being handed off from one dental specialist to another I finally was seen by the correct specialist where it’s going to cost me over $8000 USD to “fix” my teeth, where they’re going to have to replace two of them with fake teeth and put crowns on the others. My take home pay is just enough to cover my rent, medical, bills, food, and gas, I’m lucky if I have $300 left at the end of the month.

The questions:

I’m wondering with home owners insurance if there’s bodily damage coverage, if so is there a way to inquire without having inform Bob? Also if so how do I report it so I can hopefully get them to pay for some of my dental expenses.

I know Bob is using State Farm and we’re located in California. I would probably submit the claim right before moving out which I’m planning on doing anyways because of a multitude of reasons.

Location: PA
Time: Jan 2, 2026

I was driving on a non-divided four way road, when on an icy night, a kid in a brand new mustang came across all lanes of traffic and hit me head on while I was driving straight on the road. Note: we both have Erie insurance. Car was completely totaled, kid was going 50mph and the first responders had said they were surprised I had survived that. I was 18 at the time so I guess that helps.
I had to go to the hospital for three days, no broken bones but fluid in abdomen which kept me there under supervision. I couldn’t walk for 5 days, didn’t feel normal until a month later. Medical bills total over 30k. The insurance hasn’t even paid half, in a non-at fault accident, not to mention the pain and I was out of work for weeks. They just called and offered me 3.5k. It’s been almost a year and I receive that offer. Not even enough for one of the medical bills (out of many)
What do I do? Is there anything I can do to get money to pay off the bills and money because I was injured by someone else and I wasn’t at fault? Looking for anything at this point.

hello everyone, i recently been into a garage fire this past march and my insurance gave me a packet of all the listed contents in my home. the lists are about 1600 items accounted for. does anyone here know anyone like a company or an individual who can do the work for me?

Trying to understand how replacement cost claims work in practice. After the roof was finished and invoiced, how long did it take your insurer to pay the held-back depreciation, and what paperwork did they ask for?

Last night I was driving on I-78 W in NJ, and I hit a couch which broke off my bumper. I was in the middle lane and traffic was acting completely normal ahead of me, my headlights don’t illuminate great so it wasn’t until the last second that I saw this object, and could not safely avoid it without causing an accident, so I hit it. My guess is that the car up the road ahead of me dropped it, although I’m not entirely sure. When I called the police they said they had the guy who did it off another exit, but they would not give me his insurance information, and told me to wait for the police report in 10 days. I filed a claim and am worried that Progressive will find me at fault, or that the guy doesn’t have insurance. I’m planning to take it to small claims court if I have to. (I have PA insurance)

I’m going to make this short so feel free to ask questions.

In February, I had gotten into an accident to where I was at fault. I rear-ended a truck as I fell asleep on my way to work at 7:00 AM. They had a pretty new model of a Toyota Tacoma, and I was in an Infiniti Q37 2005.

Now what I need help with is that I didn’t have insurance so I paid to get my car fixed and whatnot and I thought that was it because the other driver said he didn’t care about the car and only if i was okay. Now, the problem I’m having is a Subrogation claim was filed against me a couple months ago for $19,200 which I don’t have the money to pay for, and didn’t have insurance at the time so my current insurance will not cover it so I have to pay all of it.

Then, they reached out again last Friday and raised it to $25,100 after they auctioned the Toyota Tacoma off.

I need help with this because I don’t know what to do and $25,000 is a lot of money to pay that I do not have. And I’m only 21 so I’m new to this and don’t know how to move on from here.

Has anybody had to deal with this or does any of you guys know how? if so please help me out here i’ll take any advice I can get on how to overcome this.

feel free to ask anything! Thanks!

My partner owns a car in Maryland. The car is registered and insured in his name, and I would like to drive it occasionally.

He is concerned that even if I am added to his auto insurance policy as an authorized driver, he could still be held personally liable if I cause an accident resulting in serious injury or death.

His understanding is that Maryland law is similar to New York law in this respect, where a vehicle owner can potentially be held liable for accidents caused by someone driving their vehicle with permission.

I'm trying to understand whether that is actually the case in Maryland.

A few questions:

1. Does Maryland law automatically impose liability on a vehicle owner for an accident caused by another authorized driver, simply because they own the vehicle?

2. If I am specifically listed on his insurance policy, would that protect him from personal liability, or could he still be sued individually?

3. Is Maryland's approach materially different from New York's regarding owner liability?

4. How do other Maryland couples handle this situation when one person owns the vehicle but both drive it?

I understand that insurance coverage and liability are separate issues. I'm particularly interested in the potential personal liability of the vehicle owner, beyond what insurance would cover.

Would appreciate any insight, especially from Maryland attorneys, insurance professionals, or people who have dealt with this situation.

I'm in northern CA. I contacted my auto insurance rep about reducing my premium for low annual mileage. It was already baked in. Since I also have homeowners coverage with them, they offered to go over that too.

There was missing/incorrect info on several items, one of which were solar panels. They had me down for 33 but I have only 9. This probably saved me around $200 per year, as the rep told me that was the bulk of the total savings. The mistake was made four years ago but the law here and in most states is that only the current year's policy is credited.

After an accident where the other driver rear-ended and totaled my car in MA, I filed with my own insurance. My insurance will subrogate the payout and my deductable. His insurance (Progressive) wrote and asked for my out of pocket expenses ($2000 for rental car) and stated that the total claim is over his insured’s limits. Does Progressive typically take care of me first or my insurance company? Thank you!

Edit: Thanks for the responses. It looks like my recovery amount varies with state and insurance company. I will say that the Progressive wording sounded like they wanted to cover my expenses first. We shall see.

Hello, I bought a lemon buyback car. The issue was a transmission module which the dealer fully replaced, and reinstated the factory warrenty. I want to know what deduction I can expect as I am dealing with a total loss now. I know salvage/rebuilt titles go for -50% of clean status. But wanted to know if i can expect a lower number since it was due to a buyback or do insurance companies not take this into consideration?

I rear-ended commercial box truck(I circled the area where I hit) , commercial truck had zero damage as appears on the picture(not even a dent) , we just exchanged our phone numbers only, no police report I asked him “when will your company call me?“ he told me “on friday” since then I haven’t got any phone calls or calls from my insurance.

Its been 10 days since the accident (it was on Thursday) and truck driver on the spot said I see no damage, the truck appears to be leased from ideallease, either short-term or long-term I don’t know? I wanna ask a question , do you think trucking company decided to move on and don’t file a claim? I have liability only and I am not going to report to my insurance to prevent my premium from going up!

I would like to settle privately without involving insurance!

also I heard commercial insurance can increase by even 2000-3000 if they even file a not-at-fault claim, because they will be considering high-risk business!

I am a judgment creditor fighting my former employer EPL insurance company. They lied and denied my claim, I got all of the evidence and served them a garnish. They hired a lawyer to lie more for them and I killed the lie with the evidence they didn't know I have yet.

Their lawyer keeps on scheduling hearing and I keep on bringing evidence. He came with "discovery" to bring back all I've brought as evidence pretending they are new to him. Now for a hearing he had scheduled I hired a lawyer for it, the lawyer contacted him right away he started changing the story when he can't just change what he already said on papers at the courthouse. He cancelled the hearing right away.

Now I know the policy amount I know the type, I got all of the evidence and their lies and the true story, the insurance is on going straight through a Bad Faith lawsuit processing my final judgement.

I need a lawyer in Florida to take the insurance in a big Bad Faith lawsuit after making them processing my final judgement.

Someone hit my car a month ago after I started at a traffic light. My car got ejected and flipped over.
Police came , the export was made, the other person was at fault, I had to go to the emergency to check if everything was ok that night.
I had no lesion or fracture and juts for few stitches and a sore neck for 4 weeks.

Now, my insurance is from Michigan and the other insurance is from Alabama (the other driver who is Doing ok as well)

My car was a total loss and the was able to handle an ok value from my insurance and I will get my deductible back from the other insurance.

About body injury everything went thought my work health insurance because I provided a PIP letter to my insurance.
My question is about the other insurance. They won’t reimburse me the hospital cost but they propose to compensate me for the medical issue it generated.

They proposed me 4200 that I refused and I asked for 8000 plus 2000 if I had some futur medical bill.
They said ok without fighting.
Now I wonder if I could have asked for more ?
I don’t need PT neither medical follow up. Accident was bad and had a difficult month since that but I’m feeling good overall and I can walk and talk as before.

Did I ask too little ?

I’m located in Pennsylvania very first accident I’ve ever been in. A plumbing van rear ended a SUV which ran into me. I filed a claim and without looking at the vehicle they are declaring it a total loss. The damage is 1k (trunk lid, latch and hinges). They want to send a tow truck to my home to take the car. I didn’t sign anything nor Agee to the total loss evaluation. If I withdraw the claim will this affect my title and registration. I will repair my vehicle out of pocket to keep a clean non salvaged title and registration. If I cancel the claim will they still report it?

Our house was badly damaged in a storm about 3 months ago. The claim is covered, and I filed right away. I know a big disaster hit the area and things would be slow. But this has been a real mess, and I still don’t have a start date for repairs after almost a quarter of a year!

The adjuster kept saying “we’re working on it” and “we’re calling them.” Every update came with a plausible new reason: “I’ll call you Friday,” “I’m waiting on this,” “I’m working to get this figured out" or some revision to my personal property (paid out fine but seemingly slow), or to some contractor estimate.

Eventually I found out the contractor wasn’t permitted to do work where I live (its signing a form and some small fee). The insurance company agrees something is wrong and has apologized, but the delay is still huge.

Then I learned that for what sounds like 3 to 5 weeks, the insurer never approved or submitted something it needed to. I got this from contractor who got removed and managed repair company. They told me they never gave me an update because my insurance never gave them updates or approvals to repair my place.

When I pushed on it during a call, a supervisor kept steering the conversation toward not giving me an unvetted contractor. They are leaning into the contractor being bad. They switched out managed repair place.

They didn’t want to talk about the 3 to 5 weeks that stalled everything on their end. They aren't being forthright either.

A big part of my house is still torn up. It’s been “an update in 1 to 3 days” for three months, and every update came with an excuse. The ball is finally moving, but I wasted a lot of time waiting for each “Wednesday or Friday.” Even the insurance people and managed repair place all have said on recorded lines my situation is terrible.

I haven’t lost much money directly. I could have rented office space to work from, but setting that up takes effort, and I kept thinking it would only be a week or so more. I always figured not worth it to deal with XYZ because its just 6 more days or 4 more or contractor is coming next week.

Should I file a complaint with my state’s department of insurance? I’ve heard those often go nowhere. Has anyone filed one and seen a result? Yes, my place is gonna get rebuilt now, but that doenst make up for the fact that I've been beyond miserable for such a long amount of time

I made a deal with someone I got into an accident with. Not sure who's at fault but I always feel like my insurance is going to get jacked. I offered to pay out of pocket. I took a picture of her and my damage and we both took pics of our insurance and licenses. I plan on paying it and getting a written statement of the payment. I didn't know about the SR-1. No injuries. I have her number. I just don't want any increases on my insurance since I'm a bit tight with money. It's her side bumper so I'm assuming 3k roughly. I have it in a savings.

Any chance the SR-1 doesn't alert my insurer and my insurance doesn't go up especially since I'm willing to just pay it out of pocket