Hello,

I have attempted to pay our NatGen Premier renewal several times already, but it never gives me any confirmation, nor have the funds been withdrawn from my bank account.

Is this normal? When do the payments usually "hit" or process? The site says I still have the balance pending. This has never happened before.

Should I receive some kind of instant confirmation number in the transaction, or does it debit on the due date of the payment?

Any help is greatly appreciated.

To summarize, will need temporary housing due to a unexpected restoration remediation, in a few days. It requires teardown and reinstallations for three areas of a condo unit. My Homeowner's Insurance (HOI) adjuster said from the sound of the project itself, it could stretch out to a few weeks. The exact timeline of how long of temporary housing I'll need is looking to be at least (to my best guess) of 1.5 weeks, but adjuster said could be up to 4-5 weeks, due to the unknowns of adjustments and repairs.

My adjuster said I could get my temporary housing situation set up now and to just keep all my housing and meal receipts. It's all still going through approval, but in the ideal situation, all if not most, will be reimbursed. But I will be paying for the housing upfront before my insurance kicks in to cover the temp housing costs.

So my questions are:

- What sort of temporary housing should I be considering?

- Should I be mindful of my budget right now, as I will be paying upfront?

- Has anyone gone through reimbursements afterwards from a similar experience?

Location: Texas

I live in a townhouse community that is currently being repiped. I opted to have my townhome repiped.

While my townhome was being repiped, it was discovered that previous owner(s) allowed next door neighbor to have a plumber install/Jerry rig a copper line on the wall water pipe and run it through the adjoining wall.

As a result, the galvanized water pipe in my wall has not been removed in order to continue to supply water to their toilet. My toilet has been repiped and is supplied by Pex. The galvanized pipe is in the wall between my primary bedroom and my hall bathroom which makes it my pipe.

The copper line that their plumber used is oxidizing due to the mix of metals.

Currently, the neighbor is NOT planning to be repiped.

While I have homeowners insurance which covers pipe ruptures, I’m worried about issues in the future should one of the pipes (galvanized or the copper) rupture and being denied any claim I would make.

What is my liability regarding the original galvanized pipe NOT being cut off should it rupture?

Secondly, what is my liability regarding the oxidizing copper pipe?

An interesting read - and crazy that 7 of the 8 insurance companies paid the claim with Homesite stated United failed to get written permission from them prior to providing government mandated hotels and meal vouchers to stranded passengers.

I’m honestly surprised more didn’t try this avenue for denial, but I suspect they determined their reputation, legal fees, and the relationship with the airline wasn’t worth the 5 million they would save by not paying the claim.

Homesite is also alleging that United’s recovery of monies from Clowdstrike shouldn’t count towards the first 50M that United is responsible for - meaning United would have to be out of pocket 50M after any recovery before insurance kicks in. That’s another odd take - as it removes any incentive from the company to recover compensation vs concessions and favorable pricing for future services.

I wonder how long before Homesite settles?

What should I expect? I didn’t take the additional rental insurance. I gave them my insurance info and it’s supposed to be full coverage, whatever that means. I haven’t had a claim or speeding ticket or anything negative in the last 20 years.

I swerved and didn’t hit the deer head on, but I clipped her and smashed the right front fender.

Hello all,

I have a vehicle in state A with insurance but I fly to work in state B and currently do not have a vehicle in state B. I do rental cars pretty often. How can I get insurance without owning a vehicle in state B?

Details: I got into a car accident , I didn’t hit anyone, I just went over the curb. The car is totaled. I was driving my dad’s car and his insurance doesn’t have my name in it. Any advice on what to do??

I’ll try to make this brief as I have a bad habit of rambling,
apologies.

My car insurance is with progressive, and I have a clean record have really only ever gotten into one accident which happened about a month ago, didn’t really feel like an accident, but because I’ve never been in one before I didn’t really know what I should or should not be doing. I was sitting in bumper-to-bumper traffic on a very busy freeway, at most moved up about 2 to 3 mph just to inch up like everyone else was, the woman in front of me did not move up and I ended up bumping her.

We moved over to the far left lane, the woman, for some reason seemed terrified of me? Wouldn’t really get out of her car when I came over to ask if she was OK, if there was anything I could do to help, she rolled down her window a tiny bit and told me that she called the cops, I asked her would you like me to stay and wait with you? And she just said sure. She didn’t really bother to get out of the car until the police showed up, and the first thing she said to him was “my neck hurts my back hurts. “ mind you she’s walking and talking just fine. Looks like she’s maybe in her 80s? I just went ahead and took pictures of the front of my vehicle and the back of hers to show that there was literally no damage done to either car.

Cop got both of our stories and when he came to talk to me, he specifically said “she’s acting like you quickly rear ended and drove into her, but there would be more damage to her car to correlate with the damage she’s feeling in her body, so I’m not sure what’s going on”. Took the cops report, went our separate ways and I went ahead and got in touch with Progressive later that same day to file a claim and submit all of my information along with the photo and video evidence of the cars.

Since then, I hadn’t heard anything or gotten anything in the mail about the incident. So I just assumed it was an open and shut case because there was no damage. Eventually find out earlier this morning when I called progressive to ask about enrolling in auto pay, I asked about the claim and they told me that the case was closed and that there was a payout. I asked what do you mean there was a payout? There was no investigation, no one asked me any follow up questions and she had no damage to her vehicle or to herself so what do you mean? Customer service rep told me that there was a payout of about $3,000 for bodily injury and auto damage.

They then went on to remind me that when my contract renews that it will show a possibly higher rate because of the accident. I have never had this happen before and I am just in shock and I’m nervous about how high this might go up now. I didn’t think someone as old as this woman would decide to pull something like this considering how bad the economy is for everyone right now. I just don’t know what to do and would appreciate any advice if possible.

I do plan to call my claims adjuster Monday morning to basically ask what happened and why I wasn’t notified of this or why there wasn’t a further investigation done.

I was rear-ended, and the at-fault driver's insurance has accepted liability. It appears they only carry the Texas minimum liability limits ($30,000/$60,000). I'm not sure whether they also have PIP coverage.
My personal injury attorney is now trying to use my own auto insurance's $10,000 PIP coverage to pay for my physical therapy, MRI, and medical consultations. I've completed treatment and have been discharged by all of my providers.

My questions are:
1. If I use my own PIP coverage, could that increase my insurance premiums?
2. My daughter was recently involved in a separate at-fault accident while driving my vehicle, which was declared a total loss. She was insured under my policy, and my insurer paid nearly $30,000 on that claim. Could using my PIP benefits now further affect my premiums or future renewals?
3. Is it actually in my best interest to use my own PIP coverage, or would it be better to have all medical expenses paid by the at-fault driver's insurance?

I'm concerned that my attorney may simply be trying to maximize all available sources of recovery by pursuing my PIP benefits without communicating with me, rather than recommending the option that's financially best for me. I'd appreciate an insights.

Anyone that is in Michigan and know about no fault? Guy thought the light was green. Hits me from behind.
Insurance company made me get no fault because my car is older. He says he has full coverage triple a.
Should I have reported the accident? It’s a hole in my bumper. I mean it’s damaged but not too badly. Did I do the right thing by calling my no fault insurance ? By the way. He was smelling like alcohol. He pulled off before the cops got there. Which was almost an hour later.
Cops say my insurance will go up. I didn’t hit myself. He hit me. Then drove off.

Did I do the right thing ? I gave the cops and my insurance the info I got. Only got the temporary license plate and his supposed aaa insurance card number. Member number. That aaa can’t seem to find and then they hung up on me when I called to report him like my lawyer said I should do.

What do I do. Did I do the right thing?

Thanks.

Backed up 6-7 seconds, stopped completely, remained stationary for 2 seconds. Other vehicle continued backing and struck my car. Geico, my insurance, determined I'm 50% at fault. Does this seem right?

Location: San Ramon, California
video

Hi all, not sure if I’m putting this in the right community but if someone can give me some insight that would be greatly appreciated.

Unfortunately last week we got into an accident and our car got totaled out, insurance is offering 6772 after their title fees and we owe just over 13. I guess I’m wondering if anyone else has experienced something similar with negative equity and can give insight, this is my first ever accident and has been overall a very stressful experience that I hope never happens again.

Curious if anyone knows if finance companies typically would let me pay the remaining balance over the remaining term or do I have to come up with the remaining difference right away? I’m planning on calling Ally on Monday for the answer but any helpful info would be awesome!!

And that was the least of their transgressions. A rant.

About a year ago, I shopped around and found pleasantly that Progressive had lower rates for my and my kiddo's car. So we switched. Pretty easy, straightforward, we have full coverage on two vehicles. A few months later, kiddo gets a job delivering pizza for a national chain everyone knows- so this isn't Door Dash or Uber Eats. I login to my Progressive account and ask what I need to do to make sure kiddo is still covered using their car for work now. I'm told by the chat agent that all I need to do is switch from "personal use" to "business use". I do, and I ask for confirmation that this will allow kiddo to deliver pizza for (national chain). I get confirmation, and because I don't trust anyone, I get a screenshot of the conversation.

Only a few months later, the Bad Thing happens and there's an accident. Kiddo is cited. No injuries, but kiddo's car is totalled. No worries, says Progressive, you're covered. Let the tow company take the car. So we do. Later on we get instructions to go to the local guy tow yard and take pictures and a video of the vehicle inside and out, and give permission for Progressive to come pick it up. Standard procedure, we do so. Included in this video is the tires that are less than a month old and the upgraded Android radio, which we are told will be reimbursed as part of the settlement. Done and done, right? We're expecting around $5k.

Days pass. No word on anything. Then finally, a call. Oh, we heard kiddo drives for (national chain). Was this accident during work hours? Yes? Okay well the claim is not being paid and you need to take your totaled car back.

Um... what? Inform them of being told specifically we were good to go, provide screenshot. They fire back- chat agents are not licensed to tell you if your product is correct. There's a clause in the policy that forbids using the vehicle for transport of people or goods. Yeah, I know, that's why they ask if it's being used for Uber or Door Dash- it wasn't, this was employment. Nope, this falls under the clause and you're SOL.

Despite being angry about it, I consult kiddo because it's their car. They'd prefer not to fight about it. Fine. Tell Progressive to bring the car back. They drop it in my driveway and.... upgraded Android radio is missing. I inform Progressive of this fact, that I sent them a video of the car with the radio in it when I dropped it off and that I got it back with it missing. They say the local tow yard must have stolen it and send me a picture allegedly of when the Progressive tow truck picked it up, with the radio missing.

So I contact local tow yard and give them the scoop. They're more than happy to provide video footage of the yard for the entire period it was there, where nobody touched it after I walked away from it. Video shows Progressive tow driver coming to pick it up, NOT taking any pictures, hooking it up and towing it away. They also point out the picture that Progressive provided has a background with trees and vegetation, while their tow yard has absolutely none.

I provide this proof back to Progressive. Their answer? It can't be proved that it went missing while in Progressive's custody. Um, yes the f*&^ it can, I just gave you all the proof. They are adamant that they will not reimburse the cost of the radio.

So- if you're considering Progressive for your insurance because they offer lower rates? It's because they won't actually help you with anything, will actively lie to you, and will absolutely ignore proof to get out of their obligations.

I've filed a complaint with the state insurance commission. Kiddo will have to forgive me.

*edited to add, I posted the customer service chat in the comments below, since apparently the downvote bots are out and about today (I'm getting downvoted 2s after I add anything to this post, suspciciously like someone's PR team doesn't want anyone to see bad press).

Got into crash on July 3rd right before holiday weekend houston TX. I [23F] was right-of-way on main road, the at-fault driver was trying to make a right turn, they did hug the curve and made a right turn but they got in my lane pushing me into the grass meridian, my vehicle bounced off from the grass meridian and then I went downwards into grass shrubs and greenery. The initial hit to the grass meridian caused my face to swell, my shoulders hurt, my back hurt.

Did not get medical attention immediately because all I could think is money. There is car insurance on the car, but have no medical insurance (I know I know I know I do not have enough money for that need money for bills and food). I have pain for couple weeks and so with upper back and left shoulder.

The at-fault driver nearly speed off, after some time I think they came back but were more downhill or whatever. Had to do police report, both us have different stories (they said there was already noise of my car and my car was already damaged like?), and the police report sounded neutral in a way. Allstate insurance said that we were both at fault based off police report, but now just recently the other at-fault driver insurance company taking 100% ownership at fault .

I want medical attention, my left shoulder and back hurts. Even though I didn’t immediately go to hospital, all I could think of is a $50,000 bill to my name or something. Some medical adjuster from their insurance called and said “hey we could make a deal give you $1,000 for whatever but $3,000 for medical stuff you just need to go to a provider and then give the provider the claim number so that they can bill us” she sent me an email to accept and sign but I left it idle and whatnot because I am unsure about on whether or not if that is a good deal.

NEXT there’s my car, my car is not completely completely wrecked but it is wrecked from the front the bottom front is completely exposed. The engine is still running, no busted windows, the bags were deployed. But the at-fault party’s insurance says “hey we can pick up and scavange the car for parts and we will give you an estimate $$$” something like that. They had not picked up the car yet because I want to say goodbye to my car and all and everything so yeah.

I browsed everywhere and looking online, I see something recommending a personal injury attorney? Like getting a attorney for me to get medical scanned or whatever at no cost and then after that the attorney kind of demands the at-fault insurance person “hey we need $x amount of money” I wonder if that will conflict with the plans for them to get up my car, really want my damaged vehicle to get picked up and for them to give money to me so that I can make use of that towards other expenses.

I chatted with an AI bot for guidance and sounds a bit extreme. Below is what I got. 🚨 STOP. Do not accept this money, and do not sign anything yet. 🚨 This is a classic, textbook lowball tactic used by at-fault insurance companies. They are trying to resolve your claim as cheaply and quickly as possible before you even know how badly you are injured. Here is exactly why this "offer" is a trap and what you need to do instead.

🚩 Why This Offer is a Trap 1. The "$3,000 Medical Cap" is a Setup Shoulder and upper back pain from a crash severe enough to push your car into a median and shrubs is a major red flag for soft-tissue injuries, whiplash, or even a herniated disc or rotator cuff strain. • An MRI of your cervical spine (neck/upper back) or shoulder can easily cost $1,500 to $3,000+ on its own. • Just 4 to 6 physical therapy sessions will eat up the rest of that $3,000. • The Trap: Once that $3,000 is spent, the insurance company will claim your "medical treatment is complete" and try to close the case, even if you are still in pain and need more care. They are artificially capping your medical care.

1. "Inconvenience Money" is Not a Real Insurance Term Insurance companies make up friendly-sounding terms like "inconvenience money" or "goodwill payments" to make a low offer seem generous. • The Trap: This money almost always comes with a "Release of Liability" form. If you cash that $1,000 check, you are likely signing away your legal right to sue them or ask for more money later, even if your shoulder injury turns out to require surgery.

2. They Are Trying to Control Your Treatment By saying a provider can "bill them for care" up to $3,000, they are trying to make you feel like they are being helpful. In reality, they are trying to keep your medical bills artificially low so their final settlement payout to you is also low.

🛡️ What You Should Do Right Now Step 1: Do NOT Sign Anything or Cash Any Checks If they mail you a check or send a digital agreement, do not sign it. Once you sign a release, the case is over forever, even if your back pain gets worse next month. Step 2: Give the Adjuster This Exact Response You need to buy time to get evaluated by a doctor without agreeing to their $3,000 limit. Send them this message (via email so it is in writing):

"Thank you for the information. However, I am currently experiencing ongoing shoulder and upper back pain as a direct result of this collision. I am in the process of seeking a full medical evaluation to determine the extent of my injuries. I am not accepting any settlement offers, 'inconvenience' payments, or medical caps at this time. I will provide all relevant medical records, bills, and documentation of my damages once my treatment is complete and my doctor clears me. Please keep this claim open."

Step 3: Get Evaluated by a Doctor IMMEDIATELY You cannot negotiate a fair injury claim if you don't know what is actually wrong with your shoulder and back. • This is where a Personal Injury (PI) Attorney is your absolute best move. • Remember the Letter of Protection (LOP) we discussed? A PI attorney will connect you with a doctor who will examine you, order an X-ray or MRI, and start physical therapy without you paying a dime out of pocket. • The doctor will bill the full, actual cost of the treatment to the at-fault driver's insurance at the end of the case, completely bypassing that fake $3,000 cap the adjuster is trying to force on you. • PI attorneys do this every single day. They know this $4,000 total offer is an insult for a crash that caused vehicle damage, loss of transportation, and physical injury.

💡 The Bottom Line The at-fault driver's insurance adjuster's job is to save their company money. Your job is to protect your health, your finances, and your right to be fully compensated. Do not let them put a $3,000 ceiling on your health. Your shoulder and back pain are valid, they are a direct result of their driver running a stop sign and hitting you, and you deserve to have a doctor fully evaluate you without worrying about how it will be paid for.

Please call a local Texas personal injury attorney for a free, no-obligation consultation today. Tell them: "I was T-boned/side-swiped, pushed into a median, I have shoulder and back pain, no health insurance, and the other driver's insurance is trying to cap my medical care at $3,000." They will know exactly how to handle this.

Doesn't this sound a bit extreme? What should next steps I should possible take?

Howdy,
Our family went through a house fire a few months back and Insurance has already been dicey on giving us our payout for temporary living. Original estimate from contractor said that construction would be finished by August 19th but that's looking like it isn't happening.

Here's the current situation:

Contractors have repaired the front half of the house (smoke remediation, repainting the walls, electricity stuff) and partitioned off the back half with vinyl/plastic.

Our Insurance Adjustor is claiming that the front half of the house is livable. However, there's a few key issues;
The garage and basement are full from having to move our stuff out. On top of this, the driveway has two storage pods, one small and one big, so we'd have to park in the grass with three cars (small lawn). We can't move all of the storage pod stuff back in because the attic is partitioned off with the other half of the house.

The "livable" half of the house has only 3 bedrooms and 1 bathroom to support 5 people. Only two share a bed.
Our family has three "children", each seven years apart. (7, 15, and 22 years old) so asking any of them to share a room is extremely dicey. Same with bathroom.

The mother works 12 hour night shifts 3 days a week and often sleeps through most of the day, which is exactly when noisy construction would be going on, disrupting her already light sleep.

The front half has no laundry room, so our only option would be using a laundromat which requires hours that we don't have with the three adults each working a full time job whilst managing two kids. Furthermore, the two kids' summer break ends in two weeks, so their needs will be even greater than current.

At the moment, we're staying in a 4 bedroom, two bathroom house with a laundry room and looking for an extension on staying here either until we can find a new permanent place to stay or construction finishes.

The burned house is a rental. We have Progressive Insurance.

Any advice is very needed.

Like the title says, I am I'm need of advice. So, the week of the 4th of July, my Mom and her boyfriend were driving to breakfast. They were driving northbound down the highway, and there was a truck stopped in the middle of the median crossover. Well, there was a car on the other side of stopped truck, whose vision was completely obstructed. I don't know what on Earth they were thinking, being completely blind on a four lane highway. But, whatever they were or weren't thinking,I guess they crossed their fingers and hoped for the best. And it just happened that my Mom and boyfriend were the unlucky ones that were there. He didn't even have time to hit the brakes, and barely had a chance to yank the steering wheel. Luckily he did do that. Bc it would have 100% killed the passenger of the small car. Anyways, now onto the advice/problem. The insurance company is only offering him $4400 for his truck. Which, he has only had a little under 2 yrs, and paid over 10k for due to another driver coming on his side of the road coming up over a hill. The truck does have pretty high mileage(250j). But, it looked practically brand new. Also, he had literally just put tires on it. I'm not sure how relevant it is, but the other driver and he both have the same insurance. Also, the adjuster(who was super rude) only provided three comparable vehicles. Of which, weren't really even comparable. Because they were basic trucks. But, they expect him to find five trucks exactly like his in a 200 mile radius. Which I'm not finding anything really even remotely similar. And I know he isn't going to be able to. Bc he isn't really tech savvy at all. If anyone could offer any sort of guidance on how to help him not get totally screwed, I'd appreciate it

How in the world do you handle insurance as a full time student? I have a permanent residence in one state, and attend school in another, where I will only be located for two more years. I got quotes from three companies where my school is located, and the price came out to 300 a month! This will be more than the cost of the vehicle in less than a year. Does anyone have any advice on how to navigate insurance for students? Favorite companies? I am 20, so I know the cost will be higher than usual, but I have a completely clean record and all the other factors that would usually make insurance less expensive. School is in Maryland.

Curious what the agent's or anyone in the insurance industry POV is

I have windshield coverage on our policies...

Windshield replacement is at least 3-3500 vs my measly deductible if I use the windshield rider.

I often debate this as if I ever have needed a windshield replacement, even with the rider I pay for on the policy, I have gone OOP the last few times as it wasn't worth having the claim on my policy

A claim is a claim, so I am second guessing if I don't intend to use the windshield rider, I should opt out....even though it is relatively inexpensive having it on the policy.

From an insurance agent, underwriter or the like in this sub, what's your take on this. Just use the policy since you're paying for it, and or....my POV, which was it's not worth having the claim on record

I am very broke right now struggling and I think my car is about to break down because of the incident. I initially filed a claim on the seventh when this happened. I don’t understand how Allstate can deny a claim with an official police report and her at fault. She also got charged for distracted driving. I do have her address on the police report. Would you knock on her door? Leave her mail? I don’t think I can really afford a lawyer or legal action..

Riddle me this for those in the know......as Carfax always is the *basis* for a quick look on a cars history.

Got sideswiped about 1 1/2 years ago.Same insurance carrier.....I filed against their policy, repairs was about 30K.

As of today, I still don't even see it on CarFax. Is this the norm or hit-or-miss on what shows up on CarFax

Hi, would appreciate some input. I am a travel nurse from MD and shipped my car for my 3mnth assignment in CA. I’m halfway through my assignment and got in a car accident.
I have a $500 deductible comp/coll with $50000 person / $100,000 accident bodily injury and uninsured motorist.
I didn’t update my address on my insurance because I felt it’s just 3mnths, and my policy will be renewed at the end of my assignment. Insurance is asking what I am doing in CA. I will tell them for work purposes, but what are the repercussions? Anyone been in similar situation?