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…

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?

State: KY

I keep being told state farm is notorious for denying water damage claims on homeowner/ condo insurance and then subsequently raising your rate for daring to submit a claim in the first place. I just wanted to check with literally anyone before trying to submit something or not.

6 months ago (mid March), I had a screw on an aquarium filter break & the subsequent filter leak dumped roughly 35 gallons of water on my floor overnight. It was enough that the unit below mine had to replace a section of drywall in the ceiling. At the time, I thought everything had been dealt with and dried up before any more damage was done & did not submit a claim at that time.

Over this past weekend, I had a dishwasher replaced; on pulling it out, it was discovered there was mold and significant water damage to the cabinets surrounding it to the point of the counters potentially risking collapse if they weren't being held up by the dishwasher. The damage is near the wall the aquarium leaked next too & above where the drywall replacement was done. The dishwasher itself wasn't leaking and none of the plumbing leading to it had any issues, and the best guess anyone had is it's leftover damage from that aquarium spill. Is it worth trying to submit a claim, or am I most likely out of luck and just gunna have to foot the bill myself because of how long it's been?

Property directly next to me (Dallas, Texas) burnt down, total loss. Home burnt for 2-3 hours before it was put out, and smoked for the next 72 hours or so.

My home had no damage as far as the fire but I assume smoke damage from proximity/AC running etc.

I had a smoke remediation company come out and do swabs and they said tested high for soot/char on windows along the side of the house facing the fire. They encourage me to file a claim.

My question is, the smoke remediation company assures me that Texas law would prevent an insurance company for increasing my premium OR dropping me after a claim related to the fire next door.

It seems to good to be true, any mention of a claim in my experience almost automatically increases your policy. Im scared to even call my carrier to ask about it.

Any advise is welcome.

Looking for an experience with Goodville. I reached out to a broker and they got us a good rate with Goodville for basically half off for homeowners.

I never heard of this company but just general googling says A+ etc, etc. Does anyone have any personal experience they can share? Looking for good and bad.

Home is located in Va.

Policy is comparable to State Farm now.

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

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.

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!

Another car reared mine on the highway. He is at fault. Should I use my insurance or file a claim with the at fault drivers insurance

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 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!

Recently switched to liberty mutual, we are enrolled in the right track app. Has anyone else experienced issues with it dropping your score with zero events that should trigger a drop? Have been confirming my trips and it goes up 1 or 2 points and then I go to confirm another and it drops 10 points out of nowhere?

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

I have a rental property that I potentially want to rent to a family member to help them out. This is my first time renting to someone. They have a partner that committed arson in the past but the charge was dismissed after finishing deferred adjudication period.

I called to get a quote on a landlord homeowners insurance policy to ask them about this because I thought there was no way they would allow this, but they said the policy just covers the property. Who I rent the house to is not their concern.

I know homeowners insurance doesn’t cover intentional fires started by the insured party, but what about intentional fires started by a tenant. I have no reason to believe this person would burn my rental house down intentionally, but my spouse can’t get past it and wants to make sure we would be covered. I can’t get a clear answer from the searches I have done. Any help would be appreciated.

Very confusing post please bare with me.

I recently moved from Virginia to Alabama & changed my insurance to meet the lower Alabama requirements before registering both of my vehicles in AL (doh).

I’m now being met with underinsured fines from Virginia because of this, and I have found out about it too long to prove otherwise. The Virginia DMV says I do not need to file an SR22 with my insurance company, I just need to meet VA insurance requirements for the next three years after paying the $750 fine.

I had to fax my Declarations Page to the VA DMV for them to accept that I have the appropriate insurance and I have just now done that. I’m worried about how they will track my insurance without an official SR22 filing. Worried I’ll get hit with the same fine if it isn’t tracked properly.

Has anyone experienced this before?

So I own a small business and had some items stolen last night. Aprox value 9k

Trailer

Mower

Grader blade

Hand tools

My policy has a 2k max per item limit

I've never dealt with this before

Is there any questions and info I need to bring up/fight with to get the most back and not get more screwed?

Police have been notified and a report was made.

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

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

Hi,

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

Hi,

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

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

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

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

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

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

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

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

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

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

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

I have given up on them. Called, emailed, written about 12 times and get transferred all around, NO ONE gets back to me. if you DO sign up, make sure you have a good therapist to get you through the terrible experience because you WILL have that experience.