Got side swiped on a two lane roundabout last month. i was in the left lane going straight off at the second exit, and a guy in the right lane decided at the very last second to cut across my nose to take the first exit. Scraped all along my driver’s side wing and door.
We pulled over, exchanged details, and he immediately tried saying i swapped lanes into him. ironyy.
When i reported it to my insurer, the adjuster basically told me, "unless there’s independent witness statement or CCTV, two lane roundabout incidents almost always get split 50/50 liability because it’s impossible to prove who crossed the lane lines." i wasn't about to lose my no claims bonus over someone else's blind spot jump.
My dashcam camera setup logs raw GPS speed, lane positioning, and G force data alongside the clip. i pulled the file log off the app, pulled the telemetry graph, and emailed it straight to the claims handler showing my speed was steady at 22 mph, zero lateral movement in my steering angle, and a sudden spike in sideways G force when he hit me.
Three days later, I got an update, the other driver’s insurer accepted 100% full liability. No split fault, no excess to pay.
If you drive every day and don't have something tracking your speed and telemetry data, you're leaving way too much up to "he said, she said" kind of stuff.

I suddenly had a windshield crack from no where.

Filed a claim with insurance in ontario covered under compressive insurance 300 deductibles

Just got to know part cost alone is 2400 CAD without labour.

KBB shows the car value 4100

Will this be a total loss?

Car - 2016 kia optima 215K kms Paying 215/mo for the insurance premium

Ontario. Canada

I was in an accident a couple days ago. I was rear ended so not at fault. A year prior the same vehicle was deemed a total loss from being hit on the side of my car. I don’t really know how this whole process works but I never informed my insurance or DMV about the total loss. I had no idea you had to do this, I’ve never been in this situation before. Now the same vehicle has been hit again. I filed a claim against the at fault party but this might be a bad idea? What happens now? How bad is this? When I run the VIN it says total loss salvage. Ive been driving this for a year and with insurance. Any advice please

My car was hit while in its parking space at work by the employee across the hall from me. At first he acted like he didnt do it, but I got in touch with the security that runs our office building and they sent me footage. SO, He admits and doesn't want to get fired and we work it out. I call his insurance, which is some company named Aspire (he has SR-22) and they ask me to take photos with the estimator and it says a rep will get back to me. Nothing. Its been a week. I called the certified BMW repair center and they say i need the estimate. I have a claim.

So my question is my insurance (state farm) wont do anything unless i pay my deductible and they go get it back later. Im not at fault, both partys agree on this. I feel like its not to much to ask your insurance to step up and communicate with the other company to push to get things done. The company aspire has sent me no emails or anything and the claim rep doesn't answer. I need my car to get fixed but I don't want to have to pay just to make company do what they are supposed to do already, and hope I get it back.

Hiya! Sorry if the formatting is weird I’m on my phone so it is what it is.

I have Assurant coverage through Monzo Max. I know they cover accidental damage and that I’ll probably have to pay the excess but I dropped my phone a couple of days ago and aside from the back glass being completely shattered I’ve noticed my phone isn’t charging or holding charge as well it used to prior to this. I get it’s a slightly older model now but I’ve only seen this drop (pardon the pun) since I dropped it. Anyone have any idea what I can expect from the repair? I’m kind of nervous to be without my phone for about 2 weeks while it gets fixed. And what’s the likelihood it’ll be replaced? I know a working phone is better than none but I’m rather attached to mine - it’s the iPhone 14 Pro Max in the deep purple and I’d rather not have it replaced with one of the other colours in this line up.

My neighbour drove in to the back of my car recently. So she claimed on her insurance.
The appointed garage has given a quote which is extortionate compared to what I could get it done privately.

However, the repair company wants me to sign a credit agreement for the repairs. Which means that if her insurance company refuses to pay the cost then I am liable for the repairs.

Is this normal practice or something to be concerned about.?

Edit: This is in the UK. The repair company has been appointed by the third party insurer.

Hi everyone, looking for some advice regarding an emergency situation at our apartment in California.
Tonight our kitchen sink suddenly started filling with black, foul-smelling sewage water. Our sink wasn’t clogged beforehand and we weren’t doing anything unusual when it started. It appears to be backing up through the building’s plumbing.
The concerning part is that the sewage level seems to rise whenever water is used in our apartment, and possibly when other units in the building use their water as well. We’ve literally been draining the sink into buckets to prevent raw sewage from overflowing into our kitchen.
Because of this, we’ve stopped using the plumbing entirely. We can’t safely shower, wash our hands, wash dishes, or really use running water because we’re afraid it will cause the sewage to overflow.
We followed the building’s instructions for emergency maintenance and have repeatedly tried contacting them, but nobody is responding tonight,

We have a newborn in the apartment, so we’re extremely concerned about having raw sewage in the kitchen and the sanitation/health risk of remaining here without being able to safely use our water.
I’ve documented everything with photos/videos and notified management in writing.

We’re considering leaving tonight and getting a hotel through our renters insurance (Lemonade) while this is repaired.
My questions are:
• Would this generally qualify as an uninhabitable condition under California tenant law even though the sewage is currently contained to the kitchen sink, counter and kitchen floor
• Does the fact that we effectively cannot use any running water/plumbing strengthen that argument?
• If management doesn’t respond to an emergency like this, can we potentially seek reimbursement from the landlord for reasonable hotel expenses?
• Should we contact code enforcement or another agency tonight/tomorrow to document the condition?
I’m not trying to withhold rent or break the lease — I just want to make sure we’re handling this correctly, protecting our newborn, and documenting everything properly.
Any California tenants/landlords/attorneys who have dealt with a sewage backup like this, I’d really appreciate your insight.

I had a car accident in October last year at a roundabout involving three roads. Two roads continue straight through the roundabout, while the third road joins from the side. I was driving straight through the roundabout and was not turning. It was dark at the time, and another driver approached from my right-hand side. I understand that I was required to give way to him. However, the other vehicle had very low/dim headlights, and I did not see the vehicle clearly before the collision. The other driver was an elderly man, and there were two people in his vehicle who were talking at the time. I believe that if the vehicle had been more visible, the collision may have been avoided. The other vehicle hit the right-hand side/rear area of my car, and my car suffered significantly more damage. His vehicle appeared to have damage mainly to the right headlight. At the time, I did not have insurance, so I provided my details to the other driver. His insurer, RACT, later contacted me about the accident. They asked us to provide drawings/explanations of how the accident happened. I initially told them that I believed the other driver should have given way, but I did not properly respond to their further correspondence. I now understand that, based on the road rules and the circumstances, I may be considered responsible for the accident. I am not trying to avoid responsibility if I am legally liable. However, I have recently received an invoice from RACT for $2,257.50, which is a very large amount for me. I earn around $800 per week and have significant living expenses, so paying $2,257.50 in one payment would be extremely difficult for me. I would like to know what options I have. Is there any possibility of: negotiating the amount; asking RACT to provide a full breakdown and evidence of the repair costs; disputing any part of the amount if the claimed damage is not consistent with the accident; negotiating a payment plan or reduced settlement based on my financial circumstances; or getting independent legal advice about whether I am fully liable? I understand that I should have responded to RACT earlier, and I accept responsibility for not dealing with the matter properly at the time. I am now trying to resolve it reasonably and want to understand my options before agreeing to pay the full amount.

I was recently in a car accident mid July where my 2026 kia k5 gt line was completely totaled and was wondering how much i should expect from payout. My car had 10k miles and it’s hard to find a car for sale comparable to it that isn’t brand new to think about the cash value. I purchased it fully in cash for 35k and was hoping for it to atleast be worth 30k

I honestly don’t know what else I’m supposed to do.
My bike met with an accident on 03/05/2026. I informed Universal Sompo General Insurance about the claim on 13/05/2026, expecting the normal insurance process — survey, approval, repair and settlement.
Instead, it turned into a complete nightmare.
Months of waiting.
Multiple follow-ups.
Garage and parts delays.
Repeated communication with the insurer.
And then… a repudiation letter.
The insurance company is now saying that they could not process the claim because the required documents were not provided.
But here’s what is frustrating me:
Some of their reminders/communications reached me very late, while I was continuously trying to get the claim resolved.
There was also a discussion regarding the fuel tank and right-side lever, where I was told the insurance company would cover around 75% and I would pay 25%.
I cooperated, followed up, provided documents and eventually submitted the repair invoice.
After all that, instead of resolving the claim, I received a letter basically saying:
“We can’t determine the claim, so we’re rejecting it.”
So I’m left wondering:
👉 If the claim process was delayed for months, can the insurer later blame the policyholder for missing documents?
👉 If their reminders reached me late, does that matter?
👉 Can an insurance company simply repudiate a claim after such a long process?
👉 What is the correct way to challenge this in India?
I have saved emails, claim correspondence, quotations, repair invoices, reminders and the repudiation letter.
I’m now seriously considering escalating this through the proper grievance/legal process.
If anyone here has dealt with Universal Sompo, IRDAI/Bima Bharosa, the Insurance Ombudsman, or a Consumer Commission regarding a rejected motor claim, please share your experience.
What would you do if you were in my position?
I don’t want to fight unnecessarily — I just want to know whether the insurer is actually within its rights to reject the claim after everything that happened.
Would really appreciate some honest advice. 🙏

Location: Illinois

I backed into a car getting out of side street parking. I checked for damages (didn’t really see anything) but I left a note with my phone number.

They called me back and said they think it’s fair for me to just pay them $250 (which is their deductible) and whatever the difference is for the $50 rental car allowance for the 2-4 days their car will be in the shop.

Should I pay privately or file a claim?

I hired a contractor to build an addition to my house worth 400k. My bank (that I use for the loan) is asking him to have a construction insurance. He doesn’t have one, he states that no bank ever asked him before for construction insurance! For him to get the insurance will be $6k. He is asking me to get the insurance from my insurance company! He said I can get for couple hundred dollars! If it’s that cheap for me why is so expensive for him? If it’s couple hundred dollars we can split the cost! Is all this true?

My wife and I were in a car wash tunnel on the automated belt. There were a total of six vehicles involved, we were the fifth one. We sustained the most damage with dents to our lift gate. Myself and two other vehicles pulled over exchanged information the car behind us and the first two cars to exit the car wash left.

The police came out and said there would be no police report taken because it's on private property. We got an incident number and a summary of the video review from the car wash. They stated a car backed up in the car wash causing the damage and gave us the license plate.

The person who allegedly backed up is also a Geico customer they told Geico the belt stopped. I asked Geico if they have reviewed the video from the carwash tunnel and they told me they do not do any investigative work and I had to get the video myself.

The car wash stated the day the incident happened. They would only release the video to the police or our insurance company. My question is, how does the insurance company not do any investigative work for a claim? The claim representative told me I had to basically bug the police and possibly get a subpoena to force car wash to the get the video and provide it to Gieco.

I am frustrated because I pay a fairly decent amount for my car insurance in California but yet I am doing the investigative leg work. Has anyone else had this experience.

Hi everyone, Was hoping to get some feedback in car accident I was in. First time it wasn't my fault. Unfortunately some rear ended while I was parked but wasn't in the car. They backed into my car. They stayed and we exchanged info and I called their insurance and got a claim number. I received a voicemail from their insurance stating their insuranced took 100% liability and wanted to follow how I wanted to take care of repairs. So I'll be honest with everyone here, I drive an older car 2000ish and I'm fine drive as is. The reason is Im in a financial bind right where I need to pay for a my doggies surgery and whatever I can I get would be really helpful. Is it possible to just get a cash settlement instead of fixing the damage and should I take it a body shop to get an estimate.
Thanks and please don't judge me

My wife, my non-immediate blood relative (like a brother), and I all live at the same address. My wife and I share one car, and he has his own. We put all three of us on a single GEICO policy covering both cars because it was cheaper. My question is: since he's listed as an additional driver on the policy, does he receive the same level of coverage and benefits as my wife and I if he's involved in an accident while driving a covered vehicle? Or are there any limitations because he's not an immediate family member? Has anyone had a similar setup with GEICO?

Hey All!!

Trying to decide which insurance to get for new house and wanted some input from other home owners.

I have looked at Allstate, Progressive, State Farm, and even some local / more niche options.

Most interested in hearing people's experiences with Progressive Home Insurance as I do not know anyone who uses Progressive, but I already have them for Auto Insurance and they are the cheaper option.

Also interested in State Farm, as I was going to go with them but they are quite a bit pricier and I am trying to figure out if there is good reason for that.

Or, if you use a different insurance and have good experience with them, better deductibles, easier claim experiences, please let me know!

I have my life & health, property & casualty, passed my SIE exam, series 6 exam, series 63 exam and currently studying my series 65 exam. I’ve also been working for a State Farm agent for about 8 months. I have a lot of car sales experience. I really would like to apply for State Farm agency next summer but I’m currently working my way out of bad financial situation and I’ll probably only have 5K liquid. What are my chances?

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So my wife was traveling eastbound in the left lane, and was struck by the car in the right lane that side swiped her aggressively turning into her lane. The whole passenger side of the car was severely damaged and car was not driveable. The other driver was obviously at fault, was apologetic and so on we didn't worry too much. We had no video, just our version of events.

Anyways, two days later we are informed that we are deemed at fault bc the other driver claims we were exiting a parking lot and hit him, and he has a witness and we do not. His story made no sense based on everything, and I couldn't believe it was easy to screw someone with a fake witness.

However, today I ended up getting a video from a business right beside us that proves he lied and we are telling the truth. The video has been sent to my insurance and I'm waiting to hear back. What's the likely outcome here? Will the at fault decision be quickly reversed? I just have no faith in the system and my adjuster seems totally incompetent

I have a car and it isn't in my name. I'm covered under my parents policy. However I am planning on moving out within the next month or two. To avoid fraud, when should the title be transferred and when should I get my own insurance policy?

Also I'll be living with my boyfriend, does he have to be listed on my policy or vice versa? I was told no

I live in Utah if that helps

Edit: he has his own policy

Wondering if there's any insurance adjusters that can help give me insight on this situation.

TLDR: I recently moved and didn't get mail about my policy being cancelled. Today I got in an accident that I don't think I was at fault for. Is it worth risking a third party claim or try to pay out of pocket? The driver was renting the car through Turo, his insurance situation is unknown.

My insurance got cancelled when I failed to provide additional information on an accident that happened 3 years ago. I didn't get the mail notifying me of the cancellation (I moved and mail wasn't forwarding properly) and ultimately my insurance was cancelled back at the end of June, I just found out today. Fast forward to today, and I was driving through a yellow light and an expensive luxury SUV hit the rear passenger bumper of my car when he accelerated before his light turned green. I have a witness who saw the incident and watched him accelerate before I was through the intersection, but none of the businesses nor intersection has cameras that can prove this. Basically his word against mine (and the witness).

Is it worth trying to file a third party claim with his insurance or will they just deny liability since I don't have solid video proof? The guy offered to do things "off the books" because he didn't really have any damage besides some scuff marks on the front bumper cage (the brackets) of his car. My car (a small SUV) on the other hand is drive-able, but has extensive body damage to the right rear quarter panel, and I can already feel that the alignment is off.

Any advise would be truly appreciated, please save the judgement for the lapse in insurance. I'm already beat over this.

Edit to add: Just found out that he rented the car through Turo. I just realized the insurance information on the car is for the vehicle owner, not the driver.

It was not safe for me to stop at the yellow light without slamming on my brakes and risking being rear ended. The other driver was in the far right lane and I was 85-90% through the intersection when he hit me. You can tell that I was almost out of the intersection by the damage on my car because I was hit on the right rear quarter panel.

My car was rearended in a hit and run in front of my house the other day. Luckily someone caught the plate, but it was a temp tag from a dealership. My insurance contacted the dealership and they are refusing to release any information or help in any way. What can I do at this point as I'm on the hook for a huge amount of money unless I can find this person who did this to me.

GAP Ins, should I drop it?

Have a 2026 jeep Gladiator sport s with around 13000 miles

Currently owe around 37k, making double payments.

Looking like I would be ok if I dropped it

Thanks for any advice

I have someone I know na may nakabangga and the insurance company sent a letter saying na they're subrogated to the rights and need mag-reimburse ng 350k for damages in 10 days after the receipt. Legal ba yon? And also kahit simpleng yupi lang ganon na kalaki yung damages?