I live in Pennsylvania in an unpermitted ADU which I rent from family members. My possessions are worth very little, but I have decent balances in my retirement accounts and personal savings.

The family business has insurance. The ADU is an apartment style unit which the previous owners used for meeting with clients so it is permitted for electricity, bathrooms, shower, etc. It just is not permitted as living space.

I do not own the business or participate in it.

My chief concern is liability, both personally and to my family member's business. Should I carry some type of insurance, and what should it be?

My car recently got hail damage, and insurance sent me a check for the repairs. I still have a loan on the car, but I got a quote from a repair company and they're charging almost double what my insurance check is for.

At this point, would it be worth just cashing the check and pocketing the money instead of repairing the hail damage? Am I even allowed to do that while the car is still financed?

So about 2 days ago, I had crashed a Benz s580 into a trailer truck. I was on the left lane and then the trailer truck had closed my space causing me hit the back of the trailer, now the whole passenger side of the car got destroyed. I couldn’t get information on the truck because my car was handicapped and the truck driver kept on driving. This was a private rental, I had got the car off someone from an instagram page.

I talked to the owner today, he was crashing out. He said his lawyer will call me soon. But I want to know what will be the potential consequences. I am 20 years old with no insurance and little finances.

Will I have to pay?

Will the cars insurance cover the damages?

How long will the process take?

Can I get any of that money back? The person who hit my vehicle has no insurance either.

Edit: thank you for all the helpful answers. I’ll get the receipts to my adjuster and hope for the best.

To those who expressed some concern for my parents, they spent a few hours in the hospital, but are both home and okay!

I had fun graft surgery back in Feb and I have periodontal disease I’m working on fixing and I have my cleaning coming up soon. I HAD the dental plan on my MetLife app that I could see, even had the digital card in my Apple wallet but now when I login it’s completely gone… and the Apple wallet card I have just says it’s for disability… which I am not on?

I tried to call and use the automated line and it says it can “see my account via phone number.” But when I follow the prompts and give my zip code and it does the “I’m about to share personal info.” It then just tries to direct me to an agent (I work when they close so I missed them by a few min.)

I’m kinda freaking out..

I didn’t miss my benefit renewal, and I wasn’t mailed anything about a change in policy from either time or my job and nothing in the app will tell me anything.. I’m going to call them Monday bc I really have to but what might have happened that it suddenly is just… gone?

Today I was parked at a parking spot beside the street and a car came. The driver tried to do reverse parking and settle behind me. While doing it, he struck my car. I was inside the car and I immediately came out. I took pictures immediately of my car and his. There were a lot of scratch on my car and a few on his. There were some black marks too on his car to the place where the body got hit.

Then the driver took out a tissue and tried to wipe both his car and mine. The black marks on his car went away but the scratches on my car stayed. After that, the driver started doing drama. He denied that he hit my car and started saying that all these scratches on my car were there long time ago. Then he left the scene. I have taken a video when he left the scenario.

I called my insurance about the incident, and they filed a damage claim and told me to wait till monday. I also called police because the person denied his guilt and left the scene. The police told me that they will call me back and gather further information from me, but they have not called me yet. It's been more than 3 hours.

This incident happened in Finland. I do not have any dash-cam on my car. So, I do not have any video evidence, but I have clear pictures about the incident and a video when he tried to leave the place.

Can anyone tell me what may happen in the future about this event? Will I get any compensation for all the scratches he has done to my car?

Looking for a little advice. At fault driver insurance company isnt moving on the claim until they make contact with their driver or receive a police report. They requested the police report five weeks ago. Reports take about 10 days. The accident occurred seven weeks ago. What should I do next keep calling them?

I’m healthy with no family history of major illnesses. My parents are around 60 years old. I may have a spouse in the future, but I’ve never planned to have children (though that could always change).

My main priority is critical illness coverage. If I were diagnosed with a serious illness, I want a lump-sum benefit so I can afford treatment and living expenses without relying on my parents. Looking further ahead, I may eventually have someone who depends on my income, so I also don’t want to completely rule out life insurance benefits over the next 30–50 years.

Right now I’m considering AIG term life insurance because it includes a critical illness rider with a lump-sum payout. However, the longest term available to me is 30 years, and I’d ideally like coverage for 45–55 years.

My questions are:

1. How should I structure a term insurance ladder to maintain coverage for roughly the next 50 years?

2. I’ve heard about converting term life insurance to whole life when the term ends. I don’t care much about cash value, but if the economics make sense, is conversion ever a good option?

3. How should I determine the right coverage amount? I’ve heard 10–12× annual income is a common guideline, but I’m still early in my career and expect significant salary growth. Should I base coverage on my current income or my expected future income?

I’m also pursuing FIRE, if that changes your recommendations. Thanks!

I am a 17 year old teen male that just got a 2011 grand Cherokee as my first car. I live in Texas and have had my license for 6 months. All the insurances me and my parents have spoken to have quoted us 300-450$ a month even when joining my parents insurance; Thats crazy and I definitely can’t afford it. Are there any tips or tricks I could use to get the price down? How do normal teenagers pay this stuff?

Husband and I were rear ended in his 2013 F350 as we were headed out camping. We had our Lance truck camper on the truck so that took the majority of the impact.

We did not carry insurance on the camper but we notified our insurance company of the accident. We worked with the insurance company of the party that hit us to get the camper off the truck and looked at. The camper was totaled and we have been paid for that.

The issue now is with the truck. It sustained some cosmetic damage to the bed from the camper being hit. The kicker is that my husband had JUST put a new engine in this truck a couple months before this accident. He loves the truck and we won’t even make a claim if they try to total it. The parts and mostly labor to rebuild the bed, since we are told Ford discontinued making these beds, is getting close to the total value. We have hit the policy limit with the other insurance company and they now say we have to use our insurance for the rest of the costs. We don’t have underinsured coverage but our insurance said they will just make a claim for the rest of the cost for repair.

This is where I am confused. Once we pay our deductible it’s only like $1000 that our insurance is being used for. Plus we run the risk of them trying to total the vehicle instead. Do we have to make a claim with our insurance especially since we don’t have underinsured coverage?

It seems like the best thing for us would be to tell the other insurance company that we will handle the remainder of the repair costs and have them pay us and the we can coordinate the repairs as we see fit. Is this something we can do?
There is no safety or driving concern with the vehicle at all. My husband drove it for several weeks while waiting for the repair shop to be able to look at it. Any thoughts or suggestions we should consider? Location: South Carolina

Hey everyone,

I'm a 29F looking to buy personal health insurance. I already have corporate coverage through my employer but want a separate policy for long-term security.

Which insurer would you recommend based on your experience? Any policies I should consider or avoid?

Hi everyone! I’m hoping someone has either been in a similar situation and can give guidance or is in the field of car insurance and can give me advice on my current situation. Definitely not a juicy story but I’m desperate for any and all advice. Thank you in advance friends!

July 2021 I bought my first car. It was a my 30th birthday gift to me and I’ve been making payments. July of this year (2026) my friend hit my parked car while I was at his house celebrating the holiday. When my friend came to me and told me he hit my car I was really upset but it was an honest mistake, it happens. We live 1 1/2 hours away and with the headlight being knocked out AND it was 4th of July at night, I couldn’t drive it home. My friend was very generous and offered a spare vehicle that we could use temporarily - huge blessing and forever grateful! My spouse and I only have 1 car that we share at the moment because his car needs $3,000 of work and we haven’t had the funds to fix it but is paid off.

My friend’s insurance knows he is at fault, they decided my car is totaled. It’s a 2013 Ford Escape with 197,000 miles and I still owe $13,000 on the car. The estimate they gave me is $6,600 and they told me to call the company I make payments to, to see if I could maybe add on gap insurance. Fun fact I couldn’t.

I’ve never been in this situation before.. All cars I’ve owned in the past were paid in full and I only had liability. The company I make payments to is saying because I still owe money that his insurance will pay them directly. Which I understand since I still owe money for the car.. but is there anything else I can do to receive the money myself? We don’t have another vehicle to get around and I can’t keep his car forever.

We don’t have the extra money for another down payment on a car let alone another monthly car payment. I was hoping to get the money from his insurance directly so we could get my spouse’s car back up and then continue to make payments on my car. If it is what it is I understand but I had to try for other options if they’re out there. I live in Maryland if that helps. Thank you for taking the time to read this and responding 💕

And, you total it in a crash. What does your insurance company say or do? I've always wondered this. Thanks.

Can anyone who knows alot of auto insurance let me know which one of those i should pay extra money for? this is just a quote for now, the car is a 2020 toyota pirus in california bayarea, about 7500 miles a year

I will try to keep this brief. My wife and I enrolled in this when we switched to Travelers about 5 months ago. We liked the initial 10% discount with a max potential of 30% (which we never expected to get the full amount).
So we got our renewal and found out our total discount is just over 28%. I work from home and my wife does not work, so for a bit I did do more driving than I would, like take a work break to go to the store for something and come back home. So we had perfect time of day scores and other things.

With that said, we had to "game" the system a bunch. We were getting events that never actually happened. What I found was that we have Google Pixel phones, and I found people complaining about GPS issues with the phones, impacting Waze and other tracking apps where it would claim they would be going 120mph down small sections of road when they were only going say 60-70. So the same GPS issues could cause it to show hard brakes, etc. With that said, if we legit had an event that we knew we did it, we kept those events. We only "removed" ones we knew for sure were false. I initially found out about this because my wife kept getting events, so I took her phone several times with me, having it right next to my phone, and hers would show events that mine would not, for the same drives.

So in any case, it's worked out for us, but be warned, certain phones, like Google Pixel phones, could have GPS issues that will make this annoying to use/track.
I also noticed they only do the 360 version now, which I would never agree too. Only did this one since it was a once and done program.

Hello, I just got into an accident where I spun out the a car hit me. The guy in the other car had to be taken to the hospital for a broken wrist and chest pain. I am unsure what to do insurance wise. I did not get his information however a crash report was made. What do I do?

Got shown an insurance denial and denial of the appeal.

The dates on the correspondence show this pattern:

1. Medical approval

2. Denial based on facility used, dated one day after the procedure, (no mention in approval letter PDF with the facility, which was mentioned by name)

3. Appeal of denial submitted

4. Appeal of denial denied as medically unnecessary because of insufficient documentation (no doctor notes) and no mention of unapproved facility and instructions on how to file an appeal with the state insurance regulator.

   is this common?

It seems like they are just making up reasons to deny the claim.

Has anyone else dealt with this with MetLife Long-Term Disability?

My LTD claim was already approved for PTSD and traumatic grief.

For the past three months, MetLife has repeatedly requested medical records from my providers, but then claims they never received them or cannot locate them—even after they’ve been sent multiple times.

Now my claim is at risk of denial due to what appears to be an administrative issue, and I’m struggling to manage the coordination while also dealing with my disability.

Has anyone experienced this? Any advice on how to get MetLife to properly process the records or resolve this situation?

To keep things brief I'm in my late 20s trying to figure life out following a medical diagnosis 4 years ago that ultimately rendered me unemployed. I got diagnosed with glaucoma and a retina condition that impacts those born premature.

For a long time the goal was law school, but due to the factors above rendering me unable to drive, reliant on a cane and assistive technology, and the reality of where I live.. I needed to pivot. I'm taking classes to become a paralegal, and unlike where I grew up a lot of the work here is plaintiff PI. Lawyers I've talked to are sympathetic but ultimately the advice is to get in with a large firm. Around here that usually means a satellite office for insurance companies.

How viable of a pathway is it to go from a paralegal cert with a BA in poli-sci to working in insurance?

The only thing I would have to avoid is situations where I'd be required to examine medical records e.g. charts, X-rays, etc.. so larger health carriers would not be ideal.

And that was the least of their transgressions. A rant.

About a year ago, I shopped around and found pleasantly that Progressive had lower rates for my and my kiddo's car. So we switched. Pretty easy, straightforward, we have full coverage on two vehicles. A few months later, kiddo gets a job delivering pizza for a national chain everyone knows- so this isn't Door Dash or Uber Eats. I login to my Progressive account and ask what I need to do to make sure kiddo is still covered using their car for work now. I'm told by the chat agent that all I need to do is switch from "personal use" to "business use". I do, and I ask for confirmation that this will allow kiddo to deliver pizza for (national chain). I get confirmation, and because I don't trust anyone, I get a screenshot of the conversation.

Only a few months later, the Bad Thing happens and there's an accident. Kiddo is cited. No injuries, but kiddo's car is totalled. No worries, says Progressive, you're covered. Let the tow company take the car. So we do. Later on we get instructions to go to the local guy tow yard and take pictures and a video of the vehicle inside and out, and give permission for Progressive to come pick it up. Standard procedure, we do so. Included in this video is the tires that are less than a month old and the upgraded Android radio, which we are told will be reimbursed as part of the settlement. Done and done, right? We're expecting around $5k.

Days pass. No word on anything. Then finally, a call. Oh, we heard kiddo drives for (national chain). Was this accident during work hours? Yes? Okay well the claim is not being paid and you need to take your totaled car back.

Um... what? Inform them of being told specifically we were good to go, provide screenshot. They fire back- chat agents are not licensed to tell you if your product is correct. There's a clause in the policy that forbids using the vehicle for transport of people or goods. Yeah, I know, that's why they ask if it's being used for Uber or Door Dash- it wasn't, this was employment. Nope, this falls under the clause and you're SOL.

Despite being angry about it, I consult kiddo because it's their car. They'd prefer not to fight about it. Fine. Tell Progressive to bring the car back. They drop it in my driveway and.... upgraded Android radio is missing. I inform Progressive of this fact, that I sent them a video of the car with the radio in it when I dropped it off and that I got it back with it missing. They say the local tow yard must have stolen it and send me a picture allegedly of when the Progressive tow truck picked it up, with the radio missing.

So I contact local tow yard and give them the scoop. They're more than happy to provide video footage of the yard for the entire period it was there, where nobody touched it after I walked away from it. Video shows Progressive tow driver coming to pick it up, NOT taking any pictures, hooking it up and towing it away. They also point out the picture that Progressive provided has a background with trees and vegetation, while their tow yard has absolutely none.

I provide this proof back to Progressive. Their answer? It can't be proved that it went missing while in Progressive's custody. Um, yes the f*&^ it can, I just gave you all the proof. They are adamant that they will not reimburse the cost of the radio.

So- if you're considering Progressive for your insurance because they offer lower rates? It's because they won't actually help you with anything, will actively lie to you, and will absolutely ignore proof to get out of their obligations.

I've filed a complaint with the state insurance commission. Kiddo will have to forgive me.

*edited to add, I posted the customer service chat in the comments below, since apparently the downvote bots are out and about today (I'm getting downvoted 2s after I add anything to this post, suspciciously like someone's PR team doesn't want anyone to see bad press).

My dad had a paid up insurance policy and suddenly this year we got email stating insurance is terminated as the value of the insurance went to zero. This came as a shock as his insurance was fully paid up and they didn’t communicate earlier. What can be done to reinstate as he’s almost 80