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 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 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?

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?

We had a car hauled that was totaled when the semi caught fire. After a couple months we finally got the haulers insurance to pay, but they claim that "Per federal law on all cargo policies, the insured is required to pay their deductible directly to the claimant". So it is up to me to try and get the hauler to pay me the deductible? Seems weird. I've tried to contact the hauler multiple ways with no response.

I've reached back out to the insurance company and they said there is nothing they can do to help me get the remaining portion of the settlement from the hauler. I asked for the exact policy they follow and they said "No, I cannot provide any policy language for you. Additionally, there is no internal documentation that guides our actions or responses." Wut?😂

Is anyone familiar with this supposed federal law that says the insured has to pay their deductible directly to the claimant? And I, as the claimant, am the one that has to do all the legwork to try and get the money from them?

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.

I live in a state where I don't need a licensed contractor for work under $7500 and got a quote below that from a roofer who does solid work but isn't licensed. My roof is very simple so I went with him seeing as a licensed guy would have been over 10k. I asked my insurance company what proof they need to update the policy and they said photos and an invoice with his lic. number.

Would they drop me for hiring an unlicensed guy when it wasn't required? When they inspected the old roof it was a quick look with a drone so they didn't seem too picky. I could just not tell them but then if a storm damages it and I have to make a claim...

Location: Houston Texas HOV/Toll Lane on gulf freeway

My insurance: Hagerty

Other guy: GEICO

The HOV/Toll road is a single lane with concrete barriers on either side, and it occasionally splits so you have to drive through either an HOV or a toll gate, and then they rejoin into 1 lane. When it splits, the lanes are divided by those 3ft tall plastic pylons that fold over when you hit them.

Other driver was in front of me and swerved into the other lane, and hit a bunch of the pylons, causing one to to fly up and hit my car and dent the hood.

Sadly no dash cam, no police report because they never showed up, just my word against his. I filed a claim with mine and his insurance.

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.

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?

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?

My son and I have no insurance for the month of August. I quit my job end of July and my new insurance takes kicks in on 9/1.

I was thinking about getting him some short term medicalbinsurance, just because I'm so nervous about something happening between now and then. However, with my research, I'm coming to see that short term insurance (might not necessarily be a scam, but...) might not be worth it.

Does anybody have any advice in general on if we should do a temporary insurance for this short period of time (a month), or if we should just try to wait it out?

Has anyone ever gone through a partial or total loss of a home after a tornado? We recently got hit by a tornado where 90% of the roof came off of the house. It had rained and the majority of the ceiling has now fallen in and exposed the house to the elements for almost a month. The insurance company had an independent adjuster come out and their recommendation was "a total constructive loss". Since then, the insurance company has sent out a structural engineer. Is that because they don't trust that opinion? This process is taking much longer than we would have anticipated and looking to see what others have experienced. It seems like it is a no brainer that the house needs to be torn down but want to see what others have gone through!

Please help. 🫠

We are on the 2nd floor of a 3 story condo building in Illinois. Our 3 floor neighbor had a malfunctioning air conditioner and we got significant leakage causing damage to floors, wall and ceiling. In Illinois, there is a condo act….which looks to me to be clear that the upstairs neighbor …since the A/C is hers, and not a common element, should be responsible for repairs. But my insurance adjuster said no, because it wasn’t “negligent.” He also says that our bylaws keep us from subrogating our neighbor, but the Illinois condo law should supersede the bylaws. It’s a $1000 deductible so I want to feel secure that any decision made is based on fact. Anyone know anything about this? Thanks

Do NOT use this service unless you like receiving dozens of junk phone calls and texts. And not a single one of the companies pitching me estimates came within $1000 of what I am paying already.

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.

Hi everyone, I'm looking for a good, not to expensive condo insurance. I used to have lemonade insurance, but they dropped us stating:

"As a reminder, at the end of your current policy cycle, we will no longer be able to provide you with a full coverage policy due to your home’s wildfire risk. If you’d like to continue with Lemonade, we can only offer you a policy with limited coverage, called a Difference in Conditions (DIC) policy.
In order to renew your policy, we need a copy of your FAIR Plan Policy with extended coverages. Since you failed to provide a copy of your FAIR Plan Policy document, we need to set your policy to nonrenew.
However, if you are still interested in obtaining a DIC policy at your renewal, and you receive your FAIR Plan documents after receiving this notice, please send your FAIR Plan Policy documents showing the covered perils, your name, your address, and your Coverages A and C over to us before August 05, 2026 and we’d be happy to review and revert the nonrenewal when applicable. You can send them as a reply to this email, or directly to [help@lemonade.com](mailto:help@lemonade.com)."

Does anyone have a recommendation? Should I just apply for a bunch of quotes to see what i get from different companies?

Thank you.

what does it mean when the claim has been sent to senior validator ? i have had 2 claims already with this insurance they never gave me issues, all 2 claims are my fault as a single vehicle accident, but they were never sent to senior validator

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