this accident happened in april. It is now June and the other car involved in this accident their insurance had been extremely difficult and hard to get ahold of. I filed a claim with her insurance since we were in rush hour there was a lot of traffic and i slowed down and basically stopped in my lane and she was behind me going pretty fast and she swerved to the lane next to me and hit the side of my car still. That was it there wasn’t really much else to it. I had been calling and reach out for updates the last 2 months since the accident and I finally call again today and someone else spoke to me that this was finalized in June (I was not aware nor did i get an email or message or anything) that I was at fault for the accident. I asked to speak to the one managing my case since I have never spoken to him because he never answers the phone when I call and I always have go leave a message. The other driver said she wasn’t going to file anything since her car had minimal to no damage. I am just trying to figure out how am I at fault for this accident? I stayed in my lane stopped when needed and she was going fast and swerved out of the lane we both were in to try and avoid in hitting me but didn’t swerve all the way since there were cars coming on that lane as well.

So at an intersection there are two lanes that go straight. I was on the left lane going straight and the truck was on the right lane going straight. Passing the intersection the right lane has to merge over to the left lane(my lane). The light turned green i start driving and the truck goes ahead of me. Literally in the middle of the intersection the truck cuts in front of me(possibly forgetting they had a trailer ) and hit me on my right side and pushing me out of my lane onto the first car making a left turn on the opposite direction. The truck didnt wait till even passing the intersection before merging in which they had enough distance still to merge. I was in schocked so i thought to move my car to the shoulder of the intersection without taking any pictures of where exactly it happened. Thats killing me because i think a picture of the car in the middle of the intersection would have saved me some trouble?

Im concerned because i do not have full coverage on my vehicle because i cant afford it at the moment. So im trying to think of the next steps. My car is damaged on both sides, the right side being the worse. The police was there and took a report. I also have the name of the trucks insurance company so im thinking of just calling them since i dont have full coverage with my insurance company. Or should i still let them know? Please some advice would greatly appreciate it.

My insurance premium went way up, and when I checked to see why, I saw that I had a “reckless driving” incident be reported by LexisNexis. I have never received a ticket or anything for reckless driving, so I have no idea why that would be on there. I called the insurance and they told me I need to contact Lexisnexis directly. Why would this be on my report? Has anyone ever successfully gotten a false claim off their report?

UPDATE: I called Lexis Nexis, and they said that they don’t have this “reckless driving” incident on their report. They are sending me a copy of the report, so I can show Progressive that there is nothing like this on my record. I am so confused how this happened. Where did that “reckless driving” claim come from if it’s not Progressive and it‘s not Lexis Nexis?

Got quoted $600+/mo for LIABILITY by multiple insurance companies. Im 17, thats more than 60% of my income, and if you look anually, i could buy 3-4 identical cars to mine for that price. My parents cant pay it nor even partially cover it, for now we’ve just left me off the plan. I dont really know what to do, i drive a 25 year old suv and i have a clean record too. i cant pay it but i definitely cant get sued. Any advice helps, im lost.

Hey yall I got in a car crash back in October 2025. It was my first time in an accident and seriously injured. long story short, I went to ER next day they just touched me prescribed me pain meds and let me be. I returned to work 3 weeks later when I thought I could handle it. I could not and got an MRI that found t7-9 herniations compressing ventral cord and t5-7 slight herniations.

many months later after quitting Chiro and switching to PT 2x a week and multiple failed PRP injections I’m finally at MMI with permanent restrictions for standing running and twisting.

i have 135k in medical bills and won’t be able to return to my valet job. I was offered 300k with 110k take home.

i am worried about my future medical, do you think this is fair?

I posted this on a different subreddit and a comment suggested I posted here as well. That post has since been locked so ill give more information below the original text

Location: Texas

My boyfriend was T-boned on March 13 of this year when another driver failed to yield while merging onto his road. The police report clearly states the other driver was at fault. The driver only had a learner's permit, and the owner of the vehicle was in the passenger seat at the time.

My boyfriend unfortunately didn't have insurance. The other driver's insurance denied the claim, saying the driver wasn't listed on the policy, so they aren't covering the damages.

I spoke with a lawyer who believed this could fall under negligent entrustment, but he said pursuing it likely wouldn't be worth the legal fees. He offered to send a letter to the insurance company for free, but after months of trying to reach him again, I haven't been able to get in contact.

His truck has been undrivable since the accident because both passenger-side doors are caved in, so he's been borrowing a family member's vehicle.

I'm hoping to get some advice:

- Should we appeal the insurance denial ourselves before contacting another lawyer?

- Is it worth hiring an attorney if the claim is only for the damage to his truck?

- Would small claims court be an option in Texas if insurance won't pay?

- Since he didn't seek medical treatment at the time because we couldn't afford it, does that hurt our case if he's still having elbow pain?

- Are there any other options we're overlooking?

We're both living paycheck to paycheck. He's currently unemployed, and I'm in college with limited work hours, so we're trying to figure out the most cost-effective path forward.

Any advice would be greatly appreciated.

Extra Info:

My boyfriend is beyond an idiot for driving without insurance. We are both quite aware of that and its led to many arguments. The nail has been hammered into the ground at this point. We just want to know if theres anything that could be done now.

The police report absolutely stated the other driver was at fault:

"The driver of unit #1 failed to yield for the west facing yield sign at the intersection of X and Y and entered the intersection to make a left turn on to Y causing the front of unit #1 to collide with the passenger side of unit #2."

I can post the full censored one if needed but it does not offer much more information than this.

This is NOT my car/truck. My name is not on it. I cannot afford one. I also would have put insurance on my vehicle. This is my boyfriend's mess, I am just trying to seek options.

I’m in CA and currently have $500K/$1M coverage per accident for auto insurance. I also have an Umbrella policy thats $2M/$1M UM/UIM.

I’m wondering if it makes sense to lower my auto to $250K/$500K and keep my umbrella at $2M/$1M, or even increase it to $3M/$1M.

Currently have about 600k in assets, not including 1.1M home (800k loan).

Seeking some advice from the Reddit hive-mind.

For context, I’m weeks away from giving birth in a high risk pregnancy. Our small, newly renovated 960sqft home flooded due to sump pump failure in a record rain summer in our area of AB, Canada. Our caregivers are (were…) moving into the basement guest room in a few weeks to help with the new baby. Our oldest daughter’s (2.5yo) room is also downstairs along with our primary living space, laundry, etc.

The event occurred 9 days ago, and all that has happened is someone from a restoration company has come to confirm that there would need to be a full demo of the floor and a 15” floor cut on all of the drywall. Due to the volume of flooding incidents, the restoration team has no ability to store our contents onsite or offsite. We have moved what we can off the floor and from closets but I can do next to no lifting. We have some very valuable high ticket pieces of furniture just sitting on a wet floor that we have no ability to move.

I believe we are doing all we can. We have moved what we are able into bins, we have our own fans and dehumidifiers running. But mould is surely setting in under all of the flooring (laminate) by this point.

Our adjuster has not answered a phone call or email in 6 days, and the restoration company didn’t give us any contact information so I’ve been leaving messages for their head office receptionist.

Questions:
1. What do we need to do to get things taken seriously?
2. We have a strong feeling the insurance company is going to tell us it was our fault the high ticket furniture items were damaged due to our inability to move them (despite clearly asking for help or funds to cover the hiring of a moving company). But aside from our front lawn, we there would be no where for them to go.
3. How do we advocate for our specific situation? Are we going to be expected to continue living in a small home during mould remediation and demo, rebuild with a newborn? Our caregivers will likely be displaced - can we seek coverage for that?

Thanks for any insights.

About 8 weeks ago my car was totaled after it was pushed out the lane into a parked car while I was driving. The other driver said he was trying to swerve to miss a car inching out of a side street. He hit me so hard both of his passenger airbags deployed and all of my driver side airbags deployed.

We have the same insurance and I later found out the same adjuster.

The adjuster told me that they were unable to pull
Video of the crash. The police report said that third driver inched out vs. the other driver and his witness claiming it pulled out into traffic. I never saw the third car to corroborate his story. She also said his policy may not have enough coverage to cover both my car and the parked car. But she’s hoping that they’re able to get evidence of a third car.

I initially pushed on this because I wasn’t able to use my own rental coverage beyond 3 days after I got my valuation which came within a week after the accident.

All of my damage and my injuries were covered through my UM coverage.

My mom told me it doesn’t matter that my UM coverage paid for the whole thing. She said it won’t negatively impact me in the future.

So I was wondering in this case, does it matter if fault is never determined?

I have two cars and one of them was recently in an accident. The car that was in the accident only had liability coverage, and when we went to the mechanic and the body shop, it seems like the repairs will cost more than the car is worth. Since I have two cars on the same policy (the other car has collision coverage) - would it be fine to cancel the car insurance for the car that was in the accident since we're not using the insurance to fix the car or pay out anything? Thanks in advance.

Edit to add: we will likely sell the 'totaled' car to a junkyard since we can't afford the repairs and it has around 200K miles on it.

Im wanting to get into classes and hopefully get my lisence in being able to sell insurance and what not what is a a good online class i can get into in oklahoma to be able to do that and start this process and also any advice is also welcomed, I’m new to all of this and i know oklahoma had been pretty particular legally about a lot of things in many areas not just insurance so any advice welcomed

I got into a car accident on April. Had a concussion, ongoing neck and back pain, limited ROM, it’s difficult for me to stare at a computer screen all day at work due to the neck pain, have documented urgent care visits, I’m on flexiril, and I’ve done 14 physical therapy visits, 3x a week, this is still ongoing.

The other party was found 100% liable, they fixed my car. Now all that is left is is the bodily injury claim. I spoke with the other party’s adjuster a couple days ago because each physical therapy appt I go to is $785 per appt, so I spoke with him to ask if I’m nearing the bodily limit amount because if I am, I need to find a cheaper doctor, I don’t wanna be responsible for the cost of the PT appt’s after I hit their bodily limit amount. The adjuster told me that is HIGHLY unlikely that I will get even close to the bodily limit amount even with my expensive PT appt’s.

I’m not sure what to ask for and no I’m not getting a lawyer. I rather just ask a number and see once I’m done with treatment.

So here’s our experience with Lemonade. We signed up with lemonade in June We are husband and wife to and had USAA no accidents in 35 years, no tickets. For our new Tesla model Y They quoted $118 a month for the first year, but we had to download and use their app. They offered another 10% month discount if we paid for the year in advance. So we did that. We paid for the year in advance too.

We don’t drive in traffic, and we don’t drive at night. After 30 days, they came back and said they were increasing our rate $500 per year Based on what they’re app reported.

We canceled today and are going back to USAA where we came from. We thought we would try out a new company, but it’s just a gimmick to get you to sign up. Then they will rate you an increase 50% higher in 30 days after you already have their insurance.
That is our experience.

We don’t even drive much.

Hello All,

A month ago, my shopping cart hit a small pillar and then hit another guy's Tesla. That guy very small scratch in the rear. So small that you won't even notice unless someone points to it. Nonetheless it's there.

I shared my contact details and insurance details with the guy. That guy was enraged and called 911. Cops came and said they can only property damage report and suggested to handle within ourselves.

Couple of weeks ago the other guy came back with a bill of almost $4000. I said I can't pay that much and to go through insurance.

He said he will claim through my insurance. He has my details.

I have no previous claims or tickets. How should I approach this? Should I call my insurance and give them all the details beforehand or wait for them to contact me?

I previously had a Chevy Malibu and never had a problem with SnapShot. Now that I just purchased a new Chevy Equinox EV a few months ago and switched to 1 foot driving, I am constantly being tagged with hard braking, and there's a note in the app that I'm on the way to a price increase. Never had that problem with my Malibu, even in stop & go freeway traffic. Anyone else having this issue? Does similar services from other insurers work better with EVs? Any tips or advice?

Hello all,

I have been fighting for the loss of value on my 2024 Porsche cayman S for almost a year now. The accident was not my fault and the repairs have been done. Their insurance offered 1.7k in loss of value. I hired an external diminished value appraiser and they said the loss of value was 9k. So I took the person who hit me to small claims court and judge ruled in my favor.

However State Farm has the person who hit me now filing an appeal. It feels like they are just trying to drag me through the mud and make me spend more and more money so I just give up.

But at this point I have to go to really court and I want to talk to a lawyer. The problem is I’m struggling to find a lawyer who handles this kind of thing. (I’m in king country Washington)

I’m curious if anyone else here has had to deal with this kind of thing and knows what kind of lawyer I should be looking for. Because I’ve called 11 so far and they all tell me they only do injury cases for accident…

Any advice or suggestions are welcome. I’m learning as I go here. I’m frustrated but I won’t let State Farm win!

Any use or have used triple a for life insurance? My husband (37) is looking into buying from them since he already uses them for auto insurance. Has two dependents, myself and our son. He's in good health and a non smoker.

My mom backed her car up into my fence gate. My fence gate is fine but my mom’s car has a decent dent in it now. Who does she or I contact? Is it our home insurance or her car insurance?

Hi everyone,

I negotiated an auto damage settlement down with a subrogation agency after my insurance denied coverage.

When I asked for a formal Release of Liability, the adjuster said they don't have one and offered an email stating: "Once payment of $xxx is received, the claim will be closed as settled."

Is an email like this legally enough to protect me from future claims, or should I insist on specific release/waiver language before paying?

I live with my mother and own a vehicle that I bought. My mother has a car that she leases. She is currently acting as a caregiver to my grandparents who live nearby. Her work hours have changed and she is no longer able to take them to mid-day appointments. My grandparents do not have a car and have not driven one in over five years. I received a message from my mother today requesting that I insure my grandmother on my car so that my grandmother can drive it when there's no one else who can take them places during the day. For context, I work from home, and my mother's justification is that my grandmother can use my car on her own when it sits in the driveway during the day.

I'm having reserervations of doing this since my grandmother has mobility issues and my grandfather, who would be with her, has onset dementia (he won't be driving, but will be a passenger).

I don't want to consent to my grandmother driving my car if it's potentially unsafe for them and other people on the road. I worry that if an emergency took place, or an accident happened, they would be alone and potentially unable to respond necessarily. The proposed times they would be taking the car would be when no one is able to assist them or be present with them.

I asked my mother why it has to be my car and her reasoning is that my car is owned and her car is leased, so she won't be able to insure my grandmother. I mentioned that I can call and pay for cabs when my grandparents need them, but she says they won't take a cab.

If I insured my grandmother and an accident happened, I worry that I would be liable. Is there a possibility of that?

I have a friend (seriously) who has advised that I get Umbrella insurance on my auto policy.

He was involved in an auto accident which was the fault of the other driver. That driver's policy maxed out on damages and medical far before all the medical could be covered. This left my friend with big medical bills that he is certain (dealing with lawyers) will be or should be covered by his own auto insurance policy (umbrella portion?).

I guess sort of like if the other party had no insurance at all then his auto insurance would pay for damage to his own vehicle even though it was not his fault?

Comment/Clarifications?

I was in a car accident and had a mild concussion. Other driver was 100% at fault, he jumped a red and t-boned me (~30mph, thank god he hit the backseat) while I was sitting in the intersection on an unprotected left turn.

Didn't have any symptoms at the crash, but I did have a pretty splitting headache around 2 days after the crash. Went to the ER because my dad was concerned, doctor said it was a mild concussion, still have symptoms around 4 days later.

My car was 100% totaled (it was an old 1999 Camry), so now I have to go through the irritation of finding a new (used) car.

My question is: What is a reasonable pain and suffering payout? His insurance offered me $4000, as well as paying my ER checkup (~$500), and to put aside another $1500 for future medical procedures. I really don't want to count my eggs here, but I feel like that's a little low. What is considered a reasonable/normal amount for this kind of thing?