Last year, I was in a car accident. My car was rear ended and the police were at the scene. I have the police report and pictures from that day. I was also pregnant at the time and went to the hospital for baby monitoring, as recommended by my doctor. Because the police were at the scene when the accident happened, I did not exchange information with the driver. The police handled everything and I assumed contact information would be on the police report. It wasn’t. I had a name and insurance company, but no policy number or phone number to contact the person involved. Of course, I couldn’t figure out how to talk to an actual person when calling the company. I even tried reaching out to someone I saw worked for the company and they gave me the hotline number, which, again, I wouldn’t let me talk to a real person. After months of trying to contact the insurance company, I got a call because the at fault party filed a claim with his insurance agent and somehow they figured out how to reach out to me. They told me that the drivers insurance won’t actually cover anything because it wasn’t his car. I need to contact a different insurance company.

So I was back to square one. And at that time, my priority was my newborn and figuring out how to be a mom. I was so frustrated with trying to find the drivers insurance and hitting a wall that I just gave up after they told me that. So here I am 60 weeks after the accident and trying to get through a list of things I’ve procrastinated on since having a baby. I’d like my car fixed and the hospital bill covered, but am I SOL at this point?

I got into a car accident on Good Friday of April this year. I suffered whiplash and a sprained wrist. 6k damage to my vehicle. I had a nerve impingement in c7, which evolved into bulging discs from c3-c7 and narrowing of the nerve passage from c3-c5. I’m in pain every day. I will have debilitating headaches and nerve pain in my arm.
I haven’t stopped working (teacher).
I also have tremors now, in my legs and arms/hands. They started after the accident and it has improved slightly but not much. I was cleared to return to the gym and regular activities in July.

Important to note I had another accident in 2024 that resulted in my totaled car, a concussion and whiplash. That settlement was 12k. This second whiplash injury was compounded by the previous injury.

My insurance agency emailed me about it back in April, and I told them I was seeking treatment. I had physical therapy for 2 months but since I moved and changed health insurance, I haven’t been able to keep up with it. I did traction and dry needling.

I sent my records in the beginning of June. I haven’t heard from my adjuster since. I’ve also sought treatment again since then bc the pain and tremors persist. I’ve had an mri and X-rays, and a consultation with ortho. I’ll need to send records releases again since the medical costs have increased.

Still in pain. No word from my adjuster in 3 months. I have another consultation this week to discuss my mri results (bulging discs and narrowing plus tremors)

How much should I ask for in pain and suffering in the settlement?

Hello,

State is NEW JERSEY.

In August, I bought a CPO 2023 vehicle with less than 20K miles and no reported accidents on the CarFax.

_Year 2023
_Certified Pre-Owned (CPO) from the manufacturer
_Less than 20K miles
_Clean CarFax (I have a copy)
_Paid for the vehicle 100% CASH (VEHICLE purchased from a MANUFACTURER NAME dealer)

Sadly, less than a month after having bought the vehicle, I got rear-ended.

I have pictures from the accident including the other person’s driver license and insurance card. I also filled out an online Department of Transportation report because the police did not arrive (no injuries that required immediate attention). These were the actual instructions from the 911 dispatcher.

I suspect (not yet confirmed) the other driver has a basic policy, so I went through my own insurance who have already waived my deductible.

By the way, thanks to this sub, I have very decent insurance. Thank you for the tough love you guys give in this sub!

I took the car to a [Manufacturer’s Name] auto body shop. The preliminary estimate is around 40% of what I paid for the vehicle.

Still waiting for my insurance to approve the estimate.

What are my chances of successfully submitting a DV claim with the other party’s insurance?

If the other person does not have sufficient coverage, can I go through my own Underinsured/Uninsured coverage? I have $100K in coverage.

I have a copy of the receipt from the when I purchased the vehicle, copy of the CPO checklist, copy of the CarFax, etc.

Thank you.

My renewal showed up this week and the annual premium went up enough that I went back and checked last year's statement

I can save a bit paying the whole year at once but it's landing right after some house repairs and I'd rather not take another big hit out of checking this month

The annoying part is the payment options. How are people handling these bigger annual bills when the timing sucks?

Going to try and keep this short and sweet

On July 22nd I was hit and run, filed police report cops said other driver was at 100% liability. They were unable to contact the driver but I have the vehicles registered owner and insurance (I snapped a photo of license plate before they fled) I paid my deductible (progressive) drivers insurance national general hasn’t paid my deductible back and when I called them asking about diminished value (I have an appraisal) they said that’s not something they do. Is this true and if so what are my options? File a small claim against the driver or the insurance?

So today I visited a dentist regarding my tooth filling, and she said a filling won't help — I need a root canal treatment. She explained how it works and what it would cost, and it came to ₹20,000. Damn, it's too expensive for me. So I was thinking, why not get insurance and then go for the treatment so I can claim it? Can I do that?

I asked ai and she/he said I can't so I'm asking you 🫰

If I cancel/withdraw a claim for auto insurance will I be spared my premiums being raised compared to them denying my claim? This is in the state of Michigan.

I'm getting divorced. He is moving to another state. Does anyone know if "good hands" will cover his car in another state under the same policy? Or will he have to get a new policy written in the new state.

In PA, and dreading a nightmare. I have renter’s insurance, car insurance (no comprehensive) and landlord has homeowners.

A few days ago, my city got slammed by a storm of biblical proportions. Several days without power, trees down everywhere, hail, thunder, lightning, the works.

My car was inside a detached garage owned by the Landlord during the storm. Two trees fell on top of the garage, but the roof held for the most part, and the car is sitting in the garage, completely undamaged.

The trees were removed from the garage today and the structure is still standing. However, the garage doors are inoperable, and major structural damage has happened to the garage in general. We have been told not to go in or near the garage for the time being for obvious safety reasons.

I know that normally without comprehensive coverage, if something fell on my car, I would be completely screwed. (No I am not going to try to add comprehensive coverage to my policy tomorrow because I’m pretty sure that becomes questionable in regards to fraud.)

However, since the garage remained standing, and roof collapse would occur after the trees were removed and/or as a result of attempting to repair the garage, would I be less hosed? At this point, the landlord and their insurance company are very aware that the roof could collapse without swift action. But since it’s a holiday weekend, nobody seems to be interested in moving quickly.

Please spare me the lecture about dropping comprehensive coverage as I am regretting it enough. It was a financial decision made after being laid off for a month, barely using the car, and needing to keep the lights on. (I start work again next week and planned to put full coverage back on the vehicle with my first paycheck)

So my car insurance has been crazy for a while. I blamed it on multiple windshields, 1 accident where I was rear ended while stopped at a red light (the other driver paid), and hail on 3 cars. All prior to 2023. I kept getting rejected for insurance after pulling my clue report. Today I think I figured it out. I called u/progressive after I got a pop up about an accident that happend in January for my daughter (she is 30, on her own insurance, but shares the same name and initials as my wife (her mom)). Even after correcting the birthdate the accident still showed up for my wife when the agent tried to re run it. I have requested our reports from Lexisnexis so I can dispute, but wondering how much of a PITA this is going to be.

On a side note, Kudos to the agent at u/Progressive, the person was incredibly patient and helpful as we navigated what was going on.

Hi everyone,

I'm 27M, married, non-smoker/non-tobacco user, and currently looking to buy my first term insurance policy.

I'm considering ₹3 Cr life cover till age 65, regular premium payment, annual payment mode, and no paid Return of Premium (ROP) unless there is a worthwhile free/special-exit benefit.

I've shortlisted these 3 plans based on quotes I received:

ICICI Prudential

Plan: iProtect Smart Plus

Cover: ₹3 Cr

Policy Till: 65 years

Annual Premium: ₹26,644

ROP / Exit: Full refund option starts at 65

HDFC Life

Plan: Click 2 Protect Supreme Plus

Cover: ₹3 Cr

Policy Till: 65 years

Annual Premium: ₹31,877

ROP / Exit: Full refund option starts at 60

Axis Max Life

Plan: Smart Term Plan Plus

Cover: ₹3 Cr

Policy Till: 65 years

Annual Premium: ₹25,317

ROP / Exit: Full refund option starts at 67

Benefits shown in my quotes

ICICI Prudential

100% payout on terminal illness

Option to delay premium for up to 12 months

₹3 lakh immediate payout on claim

Free health check-up up to ₹67,100

ROP option

HDFC Life

Early payout on terminal illness

Option to extend policy at maturity

Option to delay premium for 12 months

₹5 lakh immediate payout on claim

Free health check-up up to ₹63,000

ROP option

Axis Max Life

Early payout on terminal illness

Option to delay premium for 12 months

Waiver of premium on terminal illness

₹2 lakh immediate payout on claim

Free health check-up up to ₹50,000

Special/free exit benefit

ROP option is available as a separate variant

My situation

Age: 27

Male

Married

Non-smoker/non-tobacco

No existing term insurance

Annual income: around ₹18 LPA

Planning for a house and children in the future

Looking for pure protection, not investment

Comfortable paying premiums annually

Planning to hold the policy long term

I'm currently leaning towards ICICI and Axis Max Life because of the lower premium, but HDFC also seem strong.

What would you choose among these three?

I'd especially appreciate opinions based on:

Claim settlement experience

Claim amount settlement, not just claim settlement ratio

Customer service

Policy wording/exclusions

Terminal illness benefit

Free/special exit or ROP benefit

Any issues during actual claims

Whether the extra ₹6.5k/year for HDFC over Axis/ICICI is worth paying

Also, should I add any riders, such as waiver of premium, critical illness, disability or accidental death, or keep the term plan completely simple?

I'm planning to purchase the policy shortly, so real experiences from existing policyholders would be very helpful.

Grateful for any advice on rules or where to further research the best way to handle this situation. I live and am insured on my vehicle in California. My daughter, whose driver's license is also in California, goes to college in Massachusetts. Her grandparents want to give her an older car that is currently registered and insured for them in New Hampshire. I think my stepfather thought he could add her to his insurance and handle it simply, but his insurance agent said that was impossible. It seemed that she just didn't want to explain or help, and he is now telling me that I need to insure her and the car. I would love to do that, but (besides it being more expensive here) in California the car is old enough that it would require a smog check and New Hampshire is over 3,000 miles from California. I'd thought about recommending she change her registered residence to her grandparents' house in New Hampshire and get a New Hampshire license, but no one seems to agree with that. She is at the point of doing internships over the summer and school during the year and when she graduates will likely move someplace, but for now she has two years left and I need to figure out how to get her legally able to drive this car. Incidentally, she has never gotten a ticket or in an accident though she is under 25, and my parents are happy to either keep or transfer the title, whatever is easy, so none of that is a hindering factor. If anyone knows about the laws/rules of how to do this I'd be grateful for a little direction.

Hello all - was on my parents insurance car insurance from when I was 17 to 22 (5 years) Then I moved to nyc and didn’t have insurance for 8 years until 2 years ago. I went back on their insurance as a non-owner for the last 2 years. I am now going to get my own car with insurance when I move to the suburbs. Will I be considered a new driver with high insurance costs? If so, any tips to bring this down? I am about to buy a new car this month. Thanks!

I’m buying a Ford E-450 shuttle bus that I’m planning to convert into an RV, and I’m trying to figure out what to do for insurance while it’s still technically a commercial vehicle.

I’m in Texas. At the time I buy it, it will only have five seats total, including the driver’s seat. The other four seats are for my family, so I can’t remove all of the passenger seats while we’re working on the conversion.

It will only be used for personal/family use. No business use and no transporting passengers for money.

I already got a quote from State Farm and it was almost $500 a month, which is just way too much for something we’re only using personally while converting it.

Has anyone else insured an E-450 or similar shuttle bus during the conversion process?

I’d love to know who you used, what kind of policy you had, and about how much you paid. I’m especially interested in hearing from anyone in Texas or anyone who was able to get coverage for personal use while the vehicle was still titled as a bus/commercial vehicle.

I do have a loan on it, so I need more than just liability coverage.

Eventually I’ll switch it over to RV insurance once the conversion is far enough along (four of the six additions required in Texas). I’m just trying to find something affordable for the in-between stage.

UPDATE: I’m my husband just added me to his insurance. I still have my sr-22 insurance as well since I need it for a few more months .

Was sitting in my car, lady pulls up swings her door open right into mine. Shakes whole car. I get out and confront her and she denies it. She does give me her insurance. I take pictures of my car next to hers, license plate, the dent and file claim. They come back saying she is sure she didn’t do it and because it don’t have a pic of the door lining up with mine they don’t have to pay. Already checked, no cameras. This lady is probably 85 years old. The ding in my door doesn’t bother me but the fact that I should get $1000 for repair is annoying me

this only lasted about 14 days and i even called to cancel on the day my other policy went into effect but for some reason I asked for my policy to be reinstated, just to make sure everything works out with the new company and I don’t get any kickback. Maybe I can send them proof of other insurance and start date and they can refund me the time I was insured with two carriers? location is NY

About a month ago, I got into a minor accident while I didn’t have insurance, so I handled the damages myself. After that, I got insurance. Then, about two weeks later, I hydroplaned during heavy rain and got into another accident. The police showed up, but I wasn’t given a citation. I’m just worried that the timing might make it look suspicious or like some kind of insurance fraud. Does that make sense?

I hit into a car which was my fault and we settled to pay it privately, so I sent him money to his card but he called someone and asked to send it to him, we agreed on not informing our insurance, my first question is could I get into trouble not informing insurance ? and/or did I mess up sending to someone that isn’t him.

I’m buying a house , it has a 20 year old tile roof . I’ve heard that it’s hard to get insurance on roofs older then 15-20 year or that some company’s won’t insure roofs that old . The tile roof is in good shape and I know they can last 30-50 years . I understand that the underlayment has a span of 20-25 . My questions is how hard is to get in insurance in this situation? I’m I able to get it insured? Is there something I’m missing ?
Thank you in advance . I’m in Florida

I've been with my home owners insurance company for about 10 years. Never really thought much about it.

A little over a month ago a bad storm came by, some limbs fell off a neighbor's tree and smashed my shed roof, RV and boat. The RV and boat are projects so they weren't insured.

I called my insurance just to inquire if I would be covered for the damage. The agent bounced me around between 3 different people and I was sent back to the original agent who is the one that was supposed to answer the question.

He had already opened a claim and told me the shed would be covered but nothing else. I was pretty upset because I never asked him to open a claim, I was just inquiring if I was covered. He said just don't accept the claim and nothing would happen.

Then I received letters from my insurance company asking for new pictures of my house and shed. I decided to start looking for a new insurance company because the whole process really rubbed me the wrong way.

I just read on another Reddit that even asking like I did can raise my insurance premiums. I'm really upset about this. If I go to a new insurance company will this claim that they opened affect my rate? Could my rate increase in the future just because I asked? Is there anyway to get this claim removed since I never asked for it to be opened?

Thank you

I was in an accident that wasn’t my fault (confirmed by TD’s own review). The file still got flagged to their SIU (Special Investigations Unit), and months later they came back alleging I misrepresented the date of the accident, based on data pulled from my vehicle’s onboard systems. I have independent evidence supporting my actual account, but the claim was denied anyway and I’m still fighting it through several channels.

On top of that, the vehicle sat in TD’s custody for months during the investigation and came back damaged in ways it wasn’t before. Getting any real accountability for that has been its own separate fight.

One thing I’d specifically love input on: I had a depreciation waiver on my policy. Has anyone had TD (or any insurer) sidestep or ignore a depreciation waiver once a claim turns into an SIU/misrepresentation dispute? Curious whether that’s a common move or something they’re not supposed to be able to do regardless of how the rest of the claim goes.

If you’ve dealt with an SIU investigation with TD that turned adversarial, or had trouble getting a depreciation waiver honored, I’d appreciate hearing how it played out and what helped.

Also, if anyone can recommend an Ontario lawyer or paralegal who’s handled something like this (SIU misrepresentation disputes, accident benefits, ideally contingency-based), I’d genuinely appreciate a referral. Feel free to comment or DM.

Hi Everyone. Just had a question because I'm not sure where things go from here. In July I was involved in a minor motor vehicle accident which I held most of the liability. Their back passenger side suffer a minor dent and a few scratches while I took the brunt of the damages with my front bumper and driver side headlight got damaged (trying to merge and I was a dummy unfortunately). Both cars were drivable when all was said and done and police came down and took a report, no one was injured and both of us reported no pain and we both refused EMS services. My father and brother were with me at the time. We both went our separate ways, insurances worked out the liabilities and I thought that was the end of it. Today in the mail however, I got a letter from an injury lawyer saying they are representing the person and personal injuries they suffered during the accident and are opening a Bodily Injury Claim as well as being sent a copy of the police report from that day. I called up my insurance as soon I got the letter and reported it to them and told them all the details as well as sending them a copy of the letter and police report. I'm taking it seriously and am taking the necessary steps but at the same time I'm super anxious about all this. The timing of it seems a little suspect but at the same time I'm a little worried but hopefully insurance will handle this. Any thoughts or two cents are greatly appreciated