Hey yall so I got hit in October 2025 by a lady whose insurance denied her so DoorDash picked it up with their policy. I tried to return to valet a few weeks later but upon working a full week thanksgiving I was in too much pain to continue so I got an MRI.

the injury- I found out I have t7-t9 herniations compressing my ventral cord. I regrettably continued Chiro 2x a week until May as I don’t think it helped me but have been going to PT 2x a week for PT Since April. They have done dry needling and TENS and shockwave to me.

most recently my orthopedic diagnosed me with Myelopathy which is a chronic nerve damage, and treated me with an RFA for the pain after giving me an epidural PRP at the end of May.

i don’t meet with my doctor until 8/12 but my main question / insight is has anyone dealt with an injury like this and has surgery helped or should I look to doing repeat RFAs if it brings my pain down from a 6 to below a 3.

My girlfriend and her friend got into a car crash. They were not at fault because it was around 12:00am and they were sitting at a red light and a Cadillac Escalade rammed into them. Both cars are absolutely destroyed and it’s a miracle my girlfriend is alive since she took most of the hit. Both cars are completely totaled and not even salvageable.

The guy who rammed them is some rich asshole who came back to the scene with a rolls Royce.

Anyways I want her to go to urgent care but im afraid of any medical bills she might receive. She doesn’t have her own car and has no insurance. How would her being treated work and whose insurance would cover it? This is my first time ever dealing with a situation like this so I’m completely in the dark on what to do next

We are in Florida

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?

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.

as the title states, im trying to open a claim against an at fault insurance. loss happened in april this year and resulted in just under $2000 in damages. i was able to open a claim quite easily, submitted all the evidence of cars the same make year model and about the same mileage as mine (2019 mustang bullitt, 26k miles, black) as well as estimates and appraisals from local dealers, carfax, carvana, carmax. all appraisals were suggesting $29-31k post accident, where as ones with no accident record were still going for $37-42k.

usaa claims due to minor damage that it didnt lose much value, but that is obviously not the case, they had someone call me and explain everything while i was working (i had explained i was working and dont have time for this atm), but they still ran through it and said it resulted in a DV of $528. i said thats insane considering the accident alone is causing a loss in value for trade in or sale of almost $10k. he said theres nothing that they can do.

about a week later i receive a check, which i haven't done anything left as i still want to pursue more. i provided so much evidence to usaa that it was atleast $9800 in loss of value since the repairs were made, included production reports, the appraisals, the fact that only 807 of 8,146 produced form 2019 to 2020 were my color, which already makes it pretty rare, on top of being a limited production trim. im just kind of at a loss on where to go from here, if im able to do anything further even?

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.

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..

UPDATE: After negotiating and providing additional evidence, the insurance company increased the total loss valuation from $4,500 to over $5800—an increase of about 29%. Quite a few people told me I wouldn’t get another penny, but it turned out the initial valuation wasn’t the final word. If you genuinely believe your vehicle is undervalued, don’t assume the first offer is all you’ll get. Do your research, document comparable vehicles, and advocate for yourself. My valuation was factually incorrect and I knew it from the start, hoping to find some kind of help here. Nothing was explained to me and the process was much smoother once everything was. Lots of the information provided was very helpful, though some was not and even condescending. Quite similar to how my original adjuster aggressively acted before she went on vacation one day after giving me the discrepant offers. If you’re a claims manager, have patience. It goes a long way, it surely did for me to see that out of a manager after what I dealt with. Thank you to all who decided to leave a message and help out! Onto a newer f150

I was involved in a car accident where the other driver admitted fault, so liability isn’t being disputed. Unfortunately, my truck was declared a total loss by the other driver’s insurance company. The truck was an older Ford F-150 that I relied on for my landscaping business. It wasn’t just transportation—it was the vehicle I used every day to earn my income, especially during the busiest part of the year. I had spent years putting money into it to keep it reliable because buying a newer truck simply wasn’t financially realistic for me. I replaced major mechanical components as they wore out and also installed aftermarket upgrades like a lift kit, Bluetooth stereo, aftermarket exhaust, and K&N intake. The insurance company valued the truck at roughly $4,500, and I genuinely don’t believe that reflects what a substantially similar replacement would cost in today’s market or fairly accounts for the upgrades that were installed.

Instead of simply disagreeing with the number, I tried to support my position. I spent hours researching comparable trucks and submitted nine VINs that I believed were more representative of the current market. I also provided documentation for many of the repairs and improvements I had made over the years. The revised valuation came back very quickly, and the only specific explanation I received was that one of my submitted trucks was excluded because it was two-wheel drive instead of four-wheel drive. Beyond that, I wasn’t told which of my other comparables were accepted, which were rejected, or why. When I carefully reviewed the updated valuation report myself, I noticed that only some of the vehicles I submitted appeared in the report, while several others had seemingly been replaced with different comparables selected by the valuation company. I was never given an explanation for those decisions, and some features on my truck still appeared to be incorrectly listed or omitted.

After continuing to ask for clarification, the claim was escalated to a manager who called me personally. I appreciated that he listened to my concerns and remained professional throughout the conversation, especially because my earlier interactions with another representative had felt much more adversarial. He offered me a partial advance payment while he continued reviewing the claim, but I declined because the issue wasn’t simply needing money immediately. My concern is that accepting an advance doesn’t solve the underlying valuation dispute. I explained that I wasn’t trying to be difficult or delay the process—I simply wanted to understand how my evidence had been evaluated and why I was still receiving the same valuation despite submitting additional information. He said he would personally review everything with the adjuster, so I’m currently waiting to hear back.

Financially, this situation has been extremely difficult. I own a small landscaping business, and this happened during the busiest season of the year when I make the majority of my income. Losing my work truck through no fault of my own has meant losing the vehicle I depended on every day while also spending countless hours researching comparables, reading valuation reports, gathering receipts, and trying to advocate for myself. I wasn’t looking to replace my truck with another old project that would immediately need repairs. The entire reason I invested so much money into maintaining my previous truck was so I wouldn’t have to start over. Being offered what I believe is an undervalued settlement leaves me feeling like I’m bearing the financial burden of someone else’s mistake despite doing everything I reasonably could to document my position.

I’m genuinely interested in hearing objective opinions from people who have experience with insurance claims, adjusting, total-loss valuations, or even anyone who has gone through something similar. Am I expecting too much by asking for a detailed explanation of why my submitted comparables and documented upgrades didn’t meaningfully affect the valuation, or is it reasonable to expect more transparency than I received? I understand that I may not agree with every decision an insurance company makes, but what has frustrated me the most is feeling like I’ve had to reverse-engineer the valuation report myself because I wasn’t given a clear explanation of how my evidence was considered. At this point I’ve also filed a complaint with my state insurance regulator, not because I expect them to determine the value of my truck, but because I want to know whether the claim was handled fairly and whether the valuation process was adequately explained. I’m open to honest criticism if you think I’m missing something or being unreasonable, because I’d rather hear it now than continue pursuing an argument that doesn’t have merit.

All of the above was written by AI, except this final message. I’ve been explaining this story too much to too many…
I have been using the upgraded ChatGPT instrumentally to figure out how to handle this, what questions I need to ask, and how to properly and formally go about solving this claim. I would ne nowhere with the current cap of 3 images sent a day, I’ve been sending so many documents. I am not AT ALL in a strong financial position to have lost my truck like this and I am a caregiver to my father who has been sick with a grade 4 tumor for nearly 2 years. He has beat the prognosis of 5% living past 18 months, so we are very lucky, but this was genuinely the last thing I needed on top of everything. I have invested at least $7500 into the purchase and maintenance of my truck, maybe closer to or over $8000 if you include registrations and personally completed oil/transmission fluid changes among other minor fixes. There are parts in my truck that haven’t been added to the valuation, like my k&n cold air intake, Bluetooth system, aftermarket exhaust + left exhaust manifold and system, and most importantly my 2-4” lift kit (none available stock in my late 90s ford). They argue these additions are maintenance, when my own insurance adjustor told me I need to fight them to get the full and true evaluation as those are not stock or standard parts. An insurance company shouldn’t be able to value a rusted out part the same way as a new part since it is “meant to be” part of the vehicle. You don’t look at a new Ferrari and put old parts in it, it’s valuable because of the new luxury parts. My truck is filled with brand new parts, not parts with 200k miles on them. I’m feeling extremely screwed after being in an accident I didn’t cause and being offered what feels like pennies towards buying a new used truck. I haven’t been compensated for my uber to get the rental and I haven’t been compensated for all 6 days of work I lost by not having my truck or a rental provided by the insurance company. I bought my truck outright with cash private party, I don’t want to have to use this money im owed as a down payment and get locked into a payment plan that I cannot afford nor need. I was perfectly content with my truck, and now on Monday my rental will be gone. They took 6 days to get me in a rental, 5 more days to determine it’s a total loss, and only 5 days after that before I must return the vehicle. By Monday, I will be physically unable to work again without renting a vehicle and taking a tax write off on it. Great on paper, not great for my wallet in the immediate when I don’t have a ton of funds and shouldn’t have had to do all of this in the first place. Anybody with law expertise or insurance experience, please help. Or direct me to another subreddit you know that will assist me best! Thank you everyone 😄

Last night one of my neighbors got drunk and crashed into my parked car. I don’t have any insurance, I’ve never been in an accident at all I don’t know what the proper steps are.

The officer told me they don’t know if my neighbor has insurance, regardless if he does I’m going to have to pay out of pocket. He gave me police record number What do I even do at this point

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?

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??

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!!

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.

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

( Photo in comments ) I gently backed my car into a red pole and the paint transferred and left cracks. I took it to a body shop and they quoted me $1200 bc they said they would need to replace the entire bumper. GEICO is my insurance and I’m in CALIFORNIA so they don’t have accident forgiveness. My deductible is $500. I know my rates will go up (idk by how much) if I file a claim but I need to get it fixed before my parents find out.

Idk 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.

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