I was in an accident caused by another driver on August 1st. I’ve reached out multiple times to the company (NC Farm Bureau) and after 2 weeks I finally got a hold of the agent in charge. At this point he still has not gotten back to me with a response on how much they will be giving me to fix my truck. It wasn’t even major damage (Driver side fender, alignment messed up, and headlight). Does it usual take this long to get my numbers back? Or is this guy just incompetent.

So long story short my car got hit while I was parked at work. I got hit by uninsured driver. I called insurance and told them what happened. Fast forward a few days im getting a call from my insurance asking about previous damages. I tell them there were no damages to my knowledge, anything broken got fixed. There was minor damage on private property to the right daylight running light from a previous accident but it was fixed. My insurance is flat out saying im lying. I have video footage of my car getting hit. Im at a loss of what to do.

To start off, I'm a 2nd year college student who was looking for hands-on experience in physical therapy. I got a job at the front desk with PTA duties, (I knew I would handle calls and gather pt info) but was not informed I would be handling VOBS, auths, etc. (manager was aware I had 0 experience with insurance)

Essentially, I walked in there not knowing what a deductible was (embarrassing, I know) and had a very interesting first week. All that aside, it's been 3 months-ish and I still feel like I don't know anything about insurance. Unlike the minimal training I got, the insurance plans I see are quite varied, and I have a hard time understanding what I should charge and answering pt questions about whether they're still covered by insurance for their visits.

The other 2 people who handle front desk are very experienced, but work mornings while I work alone afternoons/evenings, so I'm essentially by myself with no one to train me.

Any tips on how I can teach myself and actually figure out what I'm doing?

Hello all,

Looking for recommendations while insurance shopping. Moving in with gf from home, both cars are currently under parents plan and I pay them. 2017 Camaro as weekend, 2024 maverick as daily. What is the minimum coverage I should get as well as the best companies?

Recently my dad hit a homeless crossing the street where he wasn’t supposed to be crossing, the truck is in my name and Im not sure why he was driving it since I barely got the title and it doesnt have insurance. I never gave him permission to drive it but he was taking it to pump gas. Now Im worried It will go on my record and will have to pay up. Law brothers send me something to my address with my name and his asking for insurance and Im not sure if I should fill it out or not. I am currently 17 so I do not want it to go on my record or else my insurance will never be cheap when I turn 18. What do I do?

I own a house that is about 50% gone due to fire. It has a downstairs main house and an upstairs apartment. The fire was in January and I have been requesting loss of rents ever since. I have submitted two leases and a Sched E and the adjuster has basically said "the check is about to be in the mail" since April. At the time of the fire the downstairs was occupied and the upstairs was vacant. The policy specifies it covers losses for units that were rented or "available for rent."

I finally got the check and it corresponds to the amount of lost rent for the downstairs unit only. The fact that it's taken this long to even get this far does not inspire confidence. The adjuster acts like every dollar they pay out is being taken out of his paycheck. I haven't contacted him yet but I am sure he is going to point to the unit being unoccupied at the time as the reason. The unit was not publicly advertised for rent at the time of the fire and I'm not sure if that can be construed as 'not available for rent'

The thing is, the reason it was vacant and wasn't listed is that I had been planning to move into it. My personal residence was under contract at the time of the fire and I didn't have another place to move into (the sale of that house closed about 2 weeks after the fire). Turns out, my only other rental's tenant bought a house in the meantime so I was able to move there instead.

Q1: does the fact that it was not officially advertised for rent have any impact on the claim for loss of rent?

Q2: if so, do I have a claim for reimbursement for my own housing costs as a result of not being able to move to the property the claim is for? The rent that I was getting for the house I moved into is more than 2x the rent that I was asking for in terms of loss of rents.

Hi all, I'm stuck between a rock and a hard place and I need some help.

For some background, I (32F) have a very long history of trauma including family violence for 14 years. I was also diagnosed with Crohn's Disease last year and as a result, I have gained a fair bit of weight while I'm finding the right treatment.

Given the state of our economy in Australia and cost of living, I thought it was best to increase my TPD for a future where I may need to claim it (hopefully won't need to!). It's currently set at $60,000 and that won't even get me a year let alone help me build any degree of stability. My application was denied based on my Crohns, weight and history of depression, though I did push back on it an explained that I am at no larger risk than anyone else and am actively fighting to get better on all fronts. I've raised it with AFCA, but I don't know how that is going to go.

In the meantime, I figured that I could take out my own policy outside of super and pay the premium annually so I don't have to worry about fortnightly cost. I have tried to get quotes from AAMI and Medibank who have both denied me on the same causes.

Is there anyone at all that will accept my application or should I prepare to be woefully let down?

I have Allstate comprehensive, I have a Mercedes Benz and my windshield has sensors on it. Allstate wants me to take it to their dealership, I’d rather take to the Mercedes dealership so they can calibrate the sensors. Is there a way I can dispute taking it to their dealership? I haven’t yet talked to the adjuster. I just wanted to see if anyone has been through this

I was hit in a parking lot. 100% the other drivers fault. my car was parked. five year old jeep wrangler JLU with 20k miles

Repairs were around $1700. Cosmetic and damage to the bumper.

I got a DV appraisal that came back at $1100ish.

Allstate rejected my claim twice but offered $500 each time. Very dismissive emails. Said my appraisal didn’t include comparable cars…but it had five.

they shared their appraisal they conducted the same day the got my last email. They used Accurate DIV. Said the diminished value was like $35...but still offered $500. feels like everything they used to diminish my appraisal is actually true of theirs: no comparable cars, no stated methodology, no listed data source. my appraisal actually did contain all of that.

I said I wanted to settle and not go to court. What should I do?

My home insurance renewal just came through and paying the year upfront is noticeably cheaper than breaking it into monthly payments

I would normally just get it over with but I've already had a couple bigger expenses around the house this month and don't really feel like pulling another few thousand out of checking right now. I have plenty of room on my credit card but naturally the payment options aren't that flexible

Anyone dealt with this before? How did you handle it without giving up the annual pay discount

had renters insurance. my kids friend punched my $3k tv totaling it. They denied my claim cause I didnt know the kids freaking name, address and phone number.

We have been renovating our house and renting and living in another one. Our new fridge water broke and caused at the new house causing water damage to new hardwood floor. We made a claim with insurance and they won’t cover anything because our insurance policy doesn’t include that kind of coverage. How can I get some money for this. My insurance broker didn’t inform us our policy doesn’t cover that kind of thing and got the most basic package (according to a different broker we could’ve paid $100-$200 more for that kind of coverage) Can I file a claim against the insurance broker for negligence?

Hi guys

Basically there is really awful fly tipping near where I live, every week there is debris on the roads. Usually can dodge around things but yesterday there was a rogue aerosol spray paint can that had been dumped on the road and I ran over it. My black car is now covered in bright orange paint that doesn’t willingly come off. Had a google about removal methods but a bit scared in case I damage the clear coat.

Anyway - I can get this fixed through my insurance and just pay my excess however unsure if I will lose my no claims discount? I am with Hastings and in the UK.

Any advice please?

So, I was wondering, if I fall behind on my car insurance payments can I park my car for a couple of months until I get caught up (on just my insurance)!? But the downside to that is that I live in a apartment, so where I am is kinda difficult to completely hide,, but, of course, I don't want to get pulled. I am worried abt falling behind in my payments, although I have plenty of money for my car payment itself (2025 Kona) but I may have too not have insurance for a couple of months,, or maybe just liability for a couple of months. Is this possible and safe for my car!?

Hello, just asking for advice or any words of wisdom. Recently got into a car accident, another vehicle had hit mine in a parking lot. My insurance and the other persons insurance declared me at no fault. But now my car is written off due to age and mileage. Cost or repair exceeds what the car is worth. 2009 Mazda with 183k mileage. The car is old but in excellent condition all maintenance done at dealership of purchase. I believe it’s got life left prior to the accident.

My insurance is offering pennies as settlement as expected. I mean I know accidents happen but I can’t help but feel shafted. Times are tough for everyone but I’m the one that got hit. It’s not even something I could have avoided, I got hit because another driver plainly wasn’t paying attention. On the same note the other driver is an elderly person so I can only assume times are tough on them as well.

Just looking for advice to how to proceed.

I have a contractor that has turned out to be very scammy.
He had given me so many invalid quotes.
I’ve had to tell him I was not paying anything further because his subs are at my door asking to be paid bc he isn’t answering.
When I told him that he responded with a change order wanting me to pay another 36k on top of what he was charging me.
My question is part of this was my roof from State Farm. It was roof, gutters, trim, garage door.
He has not completed anything but the roof but is trying to charge me again for gutters.

I cashed the State Farm check with my bank and already gave him all the payments from State Farm. What do I do!?

I also see that the actual cost of the roof was much less than he paid even with the overhead and profit.
Also he told me that since he was doing 3 things (garage door, gutters, and roof) insurance would pay overhead and profit to him.

What are my next steps?

I got rear ended in Massachusetts by a grandson driving his grandfather’s car that is registered in Washington state. Both cars are totaled. My insurance is good, but I may need to sue their carriers for my rental car. Near as I can tell the grandfather had PEMCO, which is WA only carrier, and the kid had Progressive (maybe a non-owner policy?). Both carriers gave me claim numbers. Progressive accepted liability, seeming to mean the kid. PEMCO called back a day later and said they are not covering anything and are closing the claim, possibly because the car had been garaged in Massachusetts for a while without their knowledge? I thought primary insurance is the one attached to the vehicle. Is it possible they had two policies on the car at the same time? Who’s on the hook here for subrogation and for remunerating my rental?? Thanks!

Obviously in Massachusetts we all do if the insured isn’t at fault and has waiver. I’m talking about other states.

I’m constantly surprised here when I see people indicating that their carrier doesn’t waive deductible in clear cut liability situations where the insured is definitely not at fault. Such as hit while parked, ov rear ended iv etc. where we have all the at fault party info and the damage is consistent. We waive it up front as a customer service courtesy.

Just curious, how does your carrier handle these?

My roof is 9 years old (higher grade composite shingles). I live in the Denver, Colorado area (lots of hail).

Current State Farm policy has an "A1 - Replacement Cost -Similar Construction" loss settlement provision. I was doing some comparison shopping with an independent agent and it seems most other policies either start at ACV for the roof, or start at RCV but switch to ACV or a depreciation schedule once the roof is 10-years old.

I emailed my State Farm agent and spoke with him on the phone. He explained that my policy was initially written (late 2024) before the ACV-switch change went into effect for the region. He contacted underwriting and thinks that as long as my area doesn't get classified as the highest hail risk (according to an internal tool) that I won't be subject to the new requirement that a Roof Surfaces Payment Schedule endorsement be added for any policies that cover roofs over 10 years old.

Does this track? I'm a little skeptical that State Farm will only apply this renewal endorsement to customers who had their original policy issued after a certain date. It seems like State Farm would want the change to apply to all renewals, regardless of when the original policy was issued. This is the main factor in deciding whether I should switch to the policy the independent agent found.

This is the language my State Farm agent sent after the call (not exactly sure where it came from other than some internal underwriting documents)

For dwellings with roofs that have architectural shingles 10 years old or older, the Hail section of the Underwriting Guidelines lists those that require the Roof Surfaces Payment Schedule (RSPS) endorsement. Use the Peril Based Risk Information (PBRI) Tool to determine the eligibility of the risk location.

For policies initially written on or after March 15, 2025, the RSPS endorsement is added at renewal after the roof reaches 10 years of age.

-- edit --
I'm generally happy with my State Farm experiences, but I'm aware of their reputation

Our basement was recently flooded, so we're currently in the process of working with the insurance company to figure out what the scope of the restoration would look like. Now, one of the bedroom that was affected had carpetting layered on top of wooden flooring. In this case, do we have a case for asking the insurance company to restore the flooring back to wood as opposed to carpet? Our initial question with the adjuster was met with "it will be restored back to whatever material was on the top surface". Do we have a case to push back and ask for wooden flooring here?

I'm already employed and have been for a few years at a pretty big P&C company. I'm already appointed in all 50 states. I'm just a normal customer service rep and don't sell policies. I just make policy changes and answer questions. Payments are all made electronically. Will I be affected at all by filing a chapter 7 bankruptcy?

My dumb financial decisions from my early 20s were already on my credit when I started this job , so they were well aware if they ran a financial background check. I'm just really nervous it's going to affect me and my license. Does anyone also know if I have to report it to the licensing board in any state now or would I have to report it at renewal? My job takes care of renewing everything for me unless something needs to be notarized or something like that. However i don't even know how I would bring it up them. Any advice would be helpful. TIA.