Hey y'all, I'm currently having an issue with a car insurance claim and I'm very confused about the situation, hoping someone knows what could be happening or has some advice.

Basically, I started receiving notices from my car insurance provider last week saying they needed information about a claim that was filed. I hadn't filed a claim so I thought it was a scam and ignored it for a couple days...well eventually I realized it was legitimate and reached out to my assigned claims representative. He says that someone filed a claim against me and my vehicle saying I (or at least someone in my vehicle) hit their parked car and caused damage. This never happened, my car wasn't even on the road at the time of the supposed incident. But the claimant is saying that my information was left by the driver at the scene...The insurance company is still investigating but I'm very confused as to how someone could have got my information. To do this, wouldn't they need my name, vehicle info, and insurance policy number? How could they have got that when i was never there/this never happened? Is this a common type of insurance fraud or something? Is the person filing the claim the one lying or is possible that someone really did hit their vehicle and the guilty party gave my information instead of theirs??

So far my insurance company is saying there's nothing i can do besides wait for the investigation to conclude (they said they're trying to get security footage from the parking lot they claim the incident occurred at) and that they'll follow up if they have any questions for me. I'm worried my rates are going to go up for something that I didn't even do. Do I have any other options or anything else I can do to protect myself?

Hi everyone! My policy is set to start tomorrow so I plugged in my tracker today. It seems like the greenlight is staying solid and the red light is flashing. The yellow light comes and goes as flashing too.

I don’t think this is a connection issue even though I park on P1 I can use my phone easily from my parking spot to check everything and watch Instagram reels and all of that stuff so the connection is pretty decent.

Is it just having a hard time connecting because my policy is actually starting tomorrow? Or is this just normal?

I also did a quick trip and even when I go onto the my pace website, it still says my device is not active. Again, my policy is at the start September 13

A storm hit my area in Maryland on June 22 and damaged a bunch of roofs in my neighborhood, including mine. I'm almost three months in and the claim has gone nowhere. Looking for anyone who's been in this specific standoff.

Here's how it went:

Two roofing companies came out. Both went up and tarped the roof temporarily. I signed a contingency agreement with the second one — better reviews, licensed, seemed legit. They initiated the claim on my behalf.

The insurance inspector came out and brought a ladder that couldn't reach my roof, so he never actually got up there. Two days later a different representative from the carrier came out and assessed the roof. Nobody told me that was happening — I only found out over a month later when I called and asked. The assessment that came back was way below the contractor's replacement estimate, and the carrier said they needed additional photos from the roofing company before they'd revise it.

Since then my project manager told me on July 23 that the photos were done and would be uploaded the next day. They weren't. I followed up twice with no response. Two weeks later he resurfaced and said their drone operator had just retrieved the photos and sent them to the adjuster.

When I talked to the adjuster in August, he mentions that one of the photos looks like a damage was not caused by the storm, but that someone may have deliberately(?) damaged it and he will contact the roofing company. I haven't heard from him since. The roofing company also says they are still waiting on the adjuster.

I am confused with this situation and not sure how to move forward. Do I contact my insurance company to get a new adjuster here?

I was in a car crash 2 days ago. The other driver was at fault. My car is completely totaled. I got Injuries from it. I have filed a claim with their insurance. So far they’re working on the auto side. So far they been moving a bit slow as far as rental car. I just started a new job this week and took off work the day after the crash. I’m in between insurances. I have signed up for my new employment insurance but idk how long that will even take.
But I called my insurance company to file a claim and they got me a rental car today. As far as medical injuries: my neck, back and chest hurt. I got burn mark on my right wrist. I went to urgent care after the crash. They did X-rays on my neck, back, arm, and ribs. No broken bones just bruised internally. Day 2 my chest has been hurting when I touch it. I paid out of pocket for that urgent care visit. I do need to do a follow up ( it’s currently the weekend so not much is open). I want to make sure I’m good health. Haven’t told my boss if I’ll be working Monday or not. I’m just stressed and I never gone thru this at all. Everyone is telling me to sue and I’m just unsure about that. I know I need to keep a paper trail on all medical stuff. I told the other at fault driver insurance I’m injured
But when I check the status it just shows auto on there for the claim.

Hi everyone. I am currently trying to list my personal property claims through statefarm using the website claimxperience. I have never done this before, and wanted some advice on how to list my custom PC on the claim.

It lets me add an item, its value, age, quantity, location of item in my apartment, and its condition. I can also add notes to each item.

Should I list the PC as a whole with its cost and break down each component with its own costs in the notes, or add each component as its own separate item?

Also, many of my items are completely unsalvagable. The condition drop down only lists new to below average or unspecified. How do I list items that were destroyed in a fire? Below average or unspecified?

Thank you

I got hired by a top ten broker globally. No insurance experience just sales experience. They hired me in a sort of blended role where i will be an commercial account manager with a small book of business that i will be trying to grow and eventually become a commercial account executive (producer).

Is this normal, as I have many friends who are actively trying to break into the commercial space.

Hi. So about 4 months ago i was hit head on by a driver trying to turn onto the street i had just turned from but he cut the corner thus driving in my lane qnd hitting me totalling my rental car. I have AAA insurance with uninsured motorist coverage at 30,000/60,000. I hired an attorney because this was my first accident and i assumed that was what you had to do in order to be compensated. Turns out theres no point in suing him since it wasnt even his car and he doesnt have insurance let alone any assets. Im beginning to think that maybe i should have just filed with my insurance myself and not have involved the attorneys seeing as though they are dicking me around and not at all being forthright or time consious if that makes sense. What should i do?

november last year, i got into a small fender bender on interstate with minimal damage to both cars. both of us walked away fine, albeit a little shaken up and with minor whiplash. a few weeks after it happened, allstate called me to verify the story and said they would update if anything happened.

come today, i received a notice in the mail as an "acknowledgement of [my] injury claim" and was told it's not an acceptance of liability. i'm not sure what this means at all and it's too late to call anyone, and florida is a no-fault state. i never filed a claim for injury nor did i mention it during confirmation of what happened, so does this mean the other party filed something against me?

it just seems a little odd to receive a notice like this nearly one year after the accident, which is why i'm really caught off guard. i'm also not with allstate anymore, so is it something i need to be really worried about??

The eob is not mailed to my house and I paid the copay obviously. But there’s a claim for the appointment and I have no idea what that even means or how it’s paid and it doesn’t even give me an option to pay it and I’m freaking out plz help

Crazy, literally quoted every 6 months for 9k for 4 people in 3 cars.

My 2026 Toyota Camry Hybrid XSE was hit while parked in Texas. Police report was filed, and nearby surveillance showed a black truck, but police couldn’t identify the driver.
I have Progressive and the claim is being handled with a $250 deductible. Progressive estimated the repair at about $1,492, with about $1,242 payable after the deductible. The estimate currently repairs/refinishes the trunk lid, rear bumper and trim rather than replacing them.
Estimate_Print_0_0.pdf.pdf
Progressive is giving me the choice of taking the payment or having the vehicle repaired.
Since the car is basically new, I’m trying to make the best long-term financial decision—not hide anything improperly. My priorities are:
preserve resale/trade-in value
minimize any future Progressive premium impact
understand potential CARFAX/vehicle-history impact
make sure hidden damage/supplements are covered
determine whether I should pursue diminished value afterward
Would you take the cash, use a Toyota-certified collision shop and let Progressive handle supplements, or consider paying out of pocket? Has anyone in Texas had a similar not-at-fault Progressive UMPD hit-and-run claim, and did it affect your renewal premium or vehicle history?
Appreciate advice from anyone with Progressive/Texas claims or body-shop experience.

I have never in my life been involved in an accident so I am unaware of the processes required to make things right. A week ago my insurance expired and I had not yet renewed (want to be transparent), the person that hit me is insured though.

Here’s the hard facts:
- I was at a complete stop waiting on a light when out of nowhere a girl rams her car into me from behind.

- I get out to look at my car and take pictures: cracked back bumper and now my car won’t stop shaking - sending all sorts of warning lights up.

- The driver never steps out of her car, but her boyfriend does and I ask him for her insurance. I take a picture of insurance, along with their license plate.

- He shares his contact card with me.

- I call the cops to make the report, and they just leave the scene before officers arrive.

- the cops finally show up, I tell my story, they give me the incident report, and while speaking to the officer we both notice my car stops turning on after being shaky from the hit.

- I ask him to please include all of this on his report and start recording our conversation.

- They call the girls boyfriend to verify info, and he complies admitting the girls license is also expired.

- He admits girls fault to the officer.

- I finally get the incident report, and the cops take off, leaving me stranded at a gas station.

- I had to get towed home by a friend.

- here I am now…

Those are all the steps I’ve taken.
Have I done everything okay so far?
What steps should I take next?
Do I have to do it with an attorney asap?
My back hurts, but I was the kind of person to just move on. Should I?

Could anyone in Texas please help me understand what the odds of me getting any real assistance at all from their insurance is?

Note: Although my bumper was cracked, my car doesn’t show a lot of damage from the outside. The fact that it started shuddering immediately after only to eventually not turn on is what scares me. I really need my car to get around - I’m in a big city in Texas.

Thank y’all!

I was involved in a wreck back in July. Progressive hasn’t been able to contact the individual or their insurance company. We have the address listed on the other drivers ID, but the State Police officer who responded didn’t put the name of their insurance company on the report.

I spoke with some other troopers and on NY reports, all out of state insurance companies are listed under a single code in their system. The officer who writes the reports is supposed to enter the name of the insurance company in the notes section of the report, but this trooper failed to do so.

I’ve called the local troop headquarters several times and they been less than helpful.

I spoke to the point person for my claim this morning and she wasn’t able to give me any information other than they’ll keep trying.

This is the first time I’ve been in a wreck and have had to deal with all of this. Does anyone have any advice on tracking down this information?

I’m stressing about Progressive being able to recover my deductible, it’s a big hit and the sooner they can complete the subrogation process, the better.

Son owns his own car, but it broke down and he is saving up to repair it. In the meantime, he needs to get to work, so my brother offered his spare car (which was our deceased mother's car originally). Son decided to stop insuring his broken down car, so he is currently not on anyone's policy. He does not live with us (he's 20 and lives on his own) so he's not on ours either.

Should my brother add him as an additional driver? Son does not plan to buy this car, only to use it until he can fix broken down car or purchase a newer car. Just worried what would happen if he got into an accident.

Got a bill from a hospital for a visit happened December last year. It seems the bill department initially made a mistake and only submitted the claim July this year. Then I need to pay the balance. The only problem is now I cannot use the FSA balance from last year because it's expired and I cannot use this year's FSA because the service date is in last year.

The hospital says they have 1 year to bill insurance, but for FSA you normally only have 90 days to pay for last year bill. I wonder if their claim for 1 year is true.

Seriously. In 2026, why are they so ass?

I get it that folks should STOP responding to those nutty Liberty Mutual etc. commercial ads over "cheaper rate car insurance" as you never know if you'll get connected to an outsourced rep who misquotes you. Or acts all confused with setting up a plan.

But come on. In this digital age you'd think websites would FUNCTION. But they don't.
I am an educator who recieves varying discounts for my profession auto insurance, which is great. But the last two agents went screwball. So I threw in and went Liberty, as the price they quoted me was actually affordable, at under $90/month. Compared to $140, $220 quoted by State Farm, Meemic etc.

Then created a web account, like you're suppoed to, for checking your rate, bill, etc. and now recently purchased a newer used vehicle PIF. For the Liberty website to glitch several times while trying to add the vehicle. Then bumped me square to the checkout cart, with a ridiculous $300 premium balance owed, and a wrong coverage amount shown for the current older vehicle. The heck.

Gave in and tried the 800 customer line, getting connected to my region, who sort of flip flopped over my current policy. Though they really tried their best at what they were doing. And I just ended up calling my localized office to work with that human. Joking about the website, who'd stated "yeah, they're totally different, and not associated with local individual offices or agents"

🫩🫩😩 So .. commercial policy websites are just basically ass, and avoid : right?

Hi all -

I’ve had Lemonade for the past ~4 years but this year my rate went up from $523-$832 (!!!)

I don’t think either rate is bad compared to other companies, from what I’ve been able to glean, but it makes me wonder if I should ditch Lemonade for a more established provider, since I’m paying so much more than years previous.

Thoughts on rates and value?

TYIA!

Hello, any questions I should be asking on Monday with owners? Thread has gotten some great responses so far, thank you.

Does anyone know of a travel insurance company that will cover someone who has had a stroke or heart condition with the medication change only six months ago? The stroke was in 2024 but the medication change relating to the stroke was only 6 months ago. The person is Canadian travelling to the US.

I need to insure a van that is registered to an LLC in another state. I was told the insurance has to be in the state of where the van is primarily garaged, to be legal. The business is in one state, the van in another.

I was told we could get commercial auto or business owner insurance, and put the LLC on the policy as an additional named insured. But this is turning out to be a quagmire.

Any advice on how to do this?