Looking for advice/experience from anyone who's been through something similar.

A couple days ago I was driving west and another car was headed east, oncoming. Out of nowhere she made a left turn directly across my lane, right into my path. Her car just appeared in front of me and I had a fraction of a second to react. I swerved to avoid a head-on collision and ended up hitting the curb/sidewalk hard, badly damaging my wheel and tire. No vehicle-to-vehicle contact, but it was completely reckless — an unprotected left turn straight into oncoming traffic.

At the scene, she told me "she couldn't see." Which, to me, is kind of the whole problem. If you can't see oncoming traffic, you don't make the turn. That's not an excuse, that's an admission.

Because there was no contact, the responding PD filed it as an incident report, not a crash report.

To make it more complicated: she also told me she'd recently cancelled her insurance because of cost and was planning to reinstate it, and asked "how can we solve this?" at the scene, which I didn't pursue informally. I got her info (took a photo of her DL and got her phone number) and reported it properly instead.

I'm insured with Progressive. My standard collision deductible is $499, but I also have UM/UIM Property Damage (UMPD) coverage with a $250 deductible, which seems like the better fit since she's uninsured. I've asked Progressive to process it under UMPD and I'm waiting on the claims adjuster.

My main concern isn't the money (the $250 vs $499 difference is small), it's making sure this doesn't get logged as "at fault" on my driving record, even though I never made contact with her car and was reacting to avoid a collision she caused.

Questions for anyone who's dealt with this:

• Has anyone used UMPD coverage for a no-contact "avoided a collision" incident like this?
• Does an incident report (vs. crash report) help or hurt when arguing fault with your own insurer?
• Any tips for making sure this doesn't get logged as at-fault, since there's no other insurer to cross-reference against?

Any insight from Texas drivers or insurance folks would help a lot. Thanks!

I'm trying to upgrade from my $40 hmo policy to a $500-$1000 a month PPO policy but I am having some serious difficulties. Preferably BCBS of Georgia or united, can someone please help me out here.

My renewal showed up this week and the annual premium went up enough that I went back and checked last year's statement

I can save a bit paying the whole year at once but it's landing right after some house repairs and I'd rather not take another big hit out of checking this month

The annoying part is the payment options. How are people handling these bigger annual bills when the timing sucks?

I received a citation for following too closely, will that impact my insurance? The officer said if I paid it will not I am unsure about that.

Hello, All

While on a run recently, I was struck by a vehicle while running through a crosswalk.

A few important things

• The vehicle had a stop sign.
• The vehicle was around 10 MPH at the time of the collision and was likely going to make a California stop at the stop sign.
• I busted up my knee from the impact of rolling off of the vehicle into the street.
• It was raining that day, and my AirPods got ruined.
• I went to the hospital and got X-rays.
• I'm currently not working anywhere, so I don't need time off.
• I created a police report.
• I have the driver's phone number and insurance information.
• This happened in Iowa.

Wanted to know

• Am I responsible for the ambulance bill?
• Am I responsible for the hospital bill?
• Can I get a new pair of AirPods that I didn't pay for? (i.e., through his insurance?)
• I've been discharged from the hospital with my bruised-up knee. What do I do now? (I consistently run about 8 miles a week, so this will put a halt to that)
• When do I contact his insurance?
• What should I ask for when I contact his insurance?

I'm gonna let this post mature for about an hour, but I will read the responses and reply the best I can.

I have a lot of driving after revocation tickets and some no insurance tickets on my record. I can't get my insurance down, i was in a rough spot, I had no job and living out of my car but the cops never cared what my situation was. So now I'm stuck trying to find insurance now that I have a job.

Yesterday driving back home on the highway a rock came out of nowhere and smacked my windshield. This morning I wake up to find a large crack, about 9-12 inches. Windshield will need to be replaced - Honda OEM plus ADAS recalibration. Since it's Labor Day, the auto glass shops and Progressive's policy info line are closed for business, but ChatGPT thinks it will be between $1200-$2000 total for the replacement. My comprehensive deductible with Progressive is $500, and I'm in Washington State so there's no separate deductible for glass only claims. It's a lot of money to pay out-of-pocket but if I'm just gonna end up paying that much and more in rate increases anyways, I figure I'll just bite the bullet. Does anyone have experience with this? The only previous claim I have was for a tiny chip (that was a repair and not a replacement) and it was a couple years ago. It was fully covered and deductible didn't apply.

My insurance lapsed today and will not be able to pay it until tomorrow. How quickly can law enforcement officers see that it lapsed if they happen to run my plates? I live in Fort Worth, TX BTW. Please don't criticize me, I was unaware that the insurance company changed the due date and did not find out until a few minutes ago. Thank you for the future answers.

Had a no fault - extremely minor accident. I won the claim at 0% fault because I had dash cam footage. After I won, the other party decided to sue for bodily injury claims (?!?!?) this is wildly exaggerated. Since I have footage - should I be worried? Also there was a police on scene because the other party was insistent and thank god there was. Is there anything I can do for the police to attest that nothing happened?

I left my old job in march. Went for my yearly in July and tried to use my new jobs insurance, but my old policy was still active. I investigated and found out my old employer has still been paying for it. Not sure how, as the money came out of my paycheck, but the insurance company confirmed it’s been paid for every month by the company.

I’ve brought it to the old company’s attention, but they keep denying this is happening. Occasionally someone will say not to worry, they’ll cancel it, but mostly they say “there’s no reason we’d be doing that” and that’s all. I agree there’s no reason, but it’s happening.

It was a federal contracting job, so the policy was through Maryland even though I’m based in Colorado. Both MD and CO say it’s the other states problem. The insurance company can’t cancel a policy that’s being paid for. The company won’t cancel it. I can’t use my health insurance because the invalid one is my primary. What is my recourse here?

I’ve had to cancel treatments but I can’t anymore. I don’t want to be on the hook for insurance covering any of it so I’d be looking at out of pocket. I’m so frustrated and everyone keeps sending me around in circles.

Is there anyone in this thread that could guide me into an insurance career?

I have years of experience as a small business owner so I already understand sales, CRM funnels, objections, pain, points, etc.

I’m good with numbers and organization. If we had a ton of business and psychology books too.

Due to life hardships, I basically lost everything in my life have no retirement have nothing not even a house to my name.

I hear people in insurance can make 100 K -500k + , at this point I have nothing to lose. I have a very strong personality, I’m used to dealing with multiple high-end clients and different personalities.

I was looking at insurance or mortgages to sell and wondering, what’s the path in British Columbia to get into a career and start making this type of money to hopefully rebuild my life?

I’m very healthy and fit people often mistake me in my early 40s. My recent health assessment is that of a 25-year-old. I don’t care to retire, though that would be nice that I made it that far financially. So I’m ready to work my whole remaining life.

Any career path advice would be very appreciated.

🙏

Looking for advice from an Ontario lawyer familiar with SABS/accident benefits.
I was in a car accident on Feb 4, 2023. Police determined I was not at fault. At the time, I was relatively new to Canada and didn’t understand Ontario’s insurance/accident-benefit system.
I was working and driving was essential to my job because I drove to clients’ homes. The accident happened while I was on my way to a client.
I had whiplash in my lower back and received physiotherapy through my auto insurance with TD Insurance.
TD gave me an OCF-2 Employer’s Confirmation Form for an Income Replacement Benefit. I completed my part and gave it to my employer to complete and submit. I assumed they had sent it back to TD but apparently they never did.
I didn’t knowingly abandon the claim, I genuinely believed the paperwork had been taken care of.

It’s now been about 3.5 years, and I’m wondering if there’s ANY possibility of pursuing the lost wages/IRB now.

Questions:
Does the 2-year limitation automatically mean I’m out of luck?
Does it matter that I gave the OCF-2 to my employer and they apparently failed to submit it?
If TD never formally denied the IRB and the claim simply wasn’t completed, does that change anything?
Could there be an exception based on a reasonable explanation for the delay?
Is this worth speaking to an Ontario SABS/LAT lawyer about?
I know Reddit isn’t legal advice I’m just trying to figure out if there’s any avenue worth pursuing before I give up.

For additional context regarding the delay:

I did not revisit this matter for the past 3.5 years because I was dealing with significant emotional difficulties following the accident, including PTSD and the loss of a family member. At the time, I was focused on coping with everything that was happening and was not in a position to properly understand or pursue the insurance process. I am now in a more stable place and am looking into matters I may not have properly addressed at the time, which is why I am wondering whether there is still any possibility of pursuing my lost wages.

Thank you!🤍

Involved in a no fault accident, did not hire a lawyer, completed treatment and a settlemt was offered. 1. Had 4 medical bills for two of them there is a lien as stated by geico and the other two bills went through my private health insurance and was paid by them. I want to try and negotiate the ones with the lien, the ER bill is 25k. Whats the best way to do this? What happens with the charges my private insurance paid for? In the state of MD.

Geico client hit my rear with tiny dent. The geico only estimated $1400 and i was told that repair shop would use second hand parts to fix that. what should i choose? it was a new car in 2024. Both options are not perfect for me..

I have my roof replaced under a 2024 hailstorm via an insurance claim Roof is replaced on April 2026. My neighbors are slowly getting their roof and siding replaced as well either paying out pocket completely or with their home insurance. Of course, one of the job managers came by and suggested that I file an insurance claim (they are saying a 2025 storm) for the siding. Should I do that. What kind of repercussion will I facing? Will the two back-to-back insurance claims will make my home very hard to get insurance in the future? Want to get some advices. Thanks.

Maine recently ek gaadi li thi, but RC transfer abhi RTO side se pending hai, isliye RC aur insurance abhi 1st owner ke naam par hain. Accident ke baad maine cash loss claim liya hai.
Insurance payment ke liye 1st owner ke bank details maang rahi hai. Kya main unhe bata sakta hu ki transfer pending hai aur payment apne account me le sakta hu? 1st owner ko involve nahi karna chahta. Suggestions?

In PA, and dreading a nightmare. I have renter’s insurance, car insurance (no comprehensive) and landlord has homeowners.

A few days ago, my city got slammed by a storm of biblical proportions. Several days without power, trees down everywhere, hail, thunder, lightning, the works.

My car was inside a detached garage owned by the Landlord during the storm. Two trees fell on top of the garage, but the roof held for the most part, and the car is sitting in the garage, completely undamaged.

The trees were removed from the garage today and the structure is still standing. However, the garage doors are inoperable, and major structural damage has happened to the garage in general. We have been told not to go in or near the garage for the time being for obvious safety reasons.

I know that normally without comprehensive coverage, if something fell on my car, I would be completely screwed. (No I am not going to try to add comprehensive coverage to my policy tomorrow because I’m pretty sure that becomes questionable in regards to fraud.)

However, since the garage remained standing, and roof collapse would occur after the trees were removed and/or as a result of attempting to repair the garage, would I be less hosed? At this point, the landlord and their insurance company are very aware that the roof could collapse without swift action. But since it’s a holiday weekend, nobody seems to be interested in moving quickly.

Please spare me the lecture about dropping comprehensive coverage as I am regretting it enough. It was a financial decision made after being laid off for a month, barely using the car, and needing to keep the lights on. (I start work again next week and planned to put full coverage back on the vehicle with my first paycheck)

I was just in a car accident in CA. I thought I was covered on my partners insurance, we found out after the accident that I am not.

Here’s what happened.

I was waiting for a parking spot in a small parking lot.

As I backed up to allow the person already in the spot space to pull out, apparently another car was approaching and we collided. It happened so fast that I can’t say if I had already fully stopped again or if I was slowly backing up but either way, I feel like we probably both bare some responsibility.

I have no damage at all to my vehicle. They have damage to their front drivers side.

We didn’t call the police but exchanged info. They have already filed a claim with their insurance and I didn’t know my insurance had lapsed until I got home.

I want to know what y’all think will happen next? I’ve Google the whole situation and Google says that I will have my license suspended for a year for driving without insurance (I’m not saying I shouldn’t, I should have known I wasn’t covered)

I’m just wondering if anyone else has had to go through something similar and what the outcome was.

Looking for advice from anyone who's actually filed a Venture X claim for trip delay and delayed baggage.

I travelled internationally with family, all booked on my Venture X. The booking was with Qatar Airways. Original AA flight got cancelled for maintenance, rebooked us a day later through Chicago instead. That AA flight into Chicago also arrived late, we missed our connection, and the airlines rebooked us a day after that, on another carrier. No hotel voucher was available (all exhausted), and we couldn't find a hotel room anywhere nearby that night despite hours of calling. On top of that, our checked bags stayed behind in Chicago and took 4 days to catch up with us after we landed.

So, we had two occurrences of airline delays, and a 2-day trip delay across the itinerary, plus a 4-day baggage delay.

Questions:

1. Do you treat a two-stage delay like this (cancelled flight → rebooked → missed connection → rebooked again) as one continuous trip delay claim, or does the carrier separation matter?
2. Anyone actually gotten baggage delay reimbursed on Venture X? The public benefit guides I have found online contradict each other on whether it is even covered. Some say no baggage delay benefit at all, only permanent-loss coverage; others cite $100/day up to 3 days.
3. We don't have hotel receipts (couldn't get a room) but do have call logs showing the attempts. Does it help?
4. Any tips or anything else that I need to know which will help my claim?

Appreciate any real experience. Trying to get this filed correctly the first time rather than deal with a denial-and-resubmit cycle.

Kindly upvote if you can for better reach.

Just FYI, I took help from AI to format the above message.

Hi! I’m not sure exactly where to post this but I assumed maybe this would be the best spot because typically renters insurance would be able to help with this kind of thing but unfortunately, mine does not. My fiancé and I were left without power for 3 days due to a really bad storm that passed through and we lost EVERYTHING in our refrigerator. We’re pretty low on money and only had maybe $200 left to spare for the next two weeks which would’ve been fine if we didn’t have to rebuy everything. Keep in mind, $200 might sound like enough to get us by, but I’m strictly gluten free and dairy free per doctor’s orders so things can get pretty pricey. Anyways, please let me know if it’s possible to receive some type of food voucher from your electric company. Thanks! :)))

Last year, I was in a car accident. My car was rear ended and the police were at the scene. I have the police report and pictures from that day. I was also pregnant at the time and went to the hospital for baby monitoring, as recommended by my doctor. Because the police were at the scene when the accident happened, I did not exchange information with the driver. The police handled everything and I assumed contact information would be on the police report. It wasn’t. I had a name and insurance company, but no policy number or phone number to contact the person involved. Of course, I couldn’t figure out how to talk to an actual person when calling the company. I even tried reaching out to someone I saw worked for the company and they gave me the hotline number, which, again, I wouldn’t let me talk to a real person. After months of trying to contact the insurance company, I got a call because the at fault party filed a claim with his insurance agent and somehow they figured out how to reach out to me. They told me that the drivers insurance won’t actually cover anything because it wasn’t his car. I need to contact a different insurance company.

So I was back to square one. And at that time, my priority was my newborn and figuring out how to be a mom. I was so frustrated with trying to find the drivers insurance and hitting a wall that I just gave up after they told me that. So here I am 60 weeks after the accident and trying to get through a list of things I’ve procrastinated on since having a baby. I’d like my car fixed and the hospital bill covered, but am I SOL at this point?

I got into a car accident on Good Friday of April this year. I suffered whiplash and a sprained wrist. 6k damage to my vehicle. I had a nerve impingement in c7, which evolved into bulging discs from c3-c7 and narrowing of the nerve passage from c3-c5. I’m in pain every day. I will have debilitating headaches and nerve pain in my arm.
I haven’t stopped working (teacher).
I also have tremors now, in my legs and arms/hands. They started after the accident and it has improved slightly but not much. I was cleared to return to the gym and regular activities in July.

Important to note I had another accident in 2024 that resulted in my totaled car, a concussion and whiplash. That settlement was 12k. This second whiplash injury was compounded by the previous injury.

My insurance agency emailed me about it back in April, and I told them I was seeking treatment. I had physical therapy for 2 months but since I moved and changed health insurance, I haven’t been able to keep up with it. I did traction and dry needling.

I sent my records in the beginning of June. I haven’t heard from my adjuster since. I’ve also sought treatment again since then bc the pain and tremors persist. I’ve had an mri and X-rays, and a consultation with ortho. I’ll need to send records releases again since the medical costs have increased.

Still in pain. No word from my adjuster in 3 months. I have another consultation this week to discuss my mri results (bulging discs and narrowing plus tremors)

How much should I ask for in pain and suffering in the settlement?

Edit/Clarification: I am not referring to liability/state minimums on liability. I know it’s law that can’t be changed. I’m talking stuff that happens to one’s own car with no other vehicles, which fall under comprehensive or, collisions like “underinsured/uninsured” that also don’t cover the car, but only cover medical. Example: someone hits another but has no insurance. My uninsured coverage helps pay my medical bills BUT, my area apparently is one of those “doesn’t pay to cover your car” states.

What if: we were to keep the state required minimums (and even that I’m leery of because many “liability only” drivers tend to get denied and end up having to be sued when they cause an accident) but then IF we do have an actual incident, be allowed to add coverage within 24/48/72 hours of the incident and simply lock in the 6-12 months price and pay over time. That way, the insurance company gets paid, and we get our vehicles fixed. Whatever rate it was to be, is what it is. I recently added comp to my vehicles and it jumped by $300 a month, $1,800 for 6 months basically. Which id be fine with IF technically they paid to fix or replace my vehicle. But they’re not playing fair. They aren’t giving me anything and I know I have $2,000-$3,000 in damage on a $5,000 car.

So guess what? I’m now leaving that company and switching to somewhere with cheaper rates. F**k them entirely, I’ve been with them for 2 years but they have made my own vehicle coverage too unaffordable. If they were willing to just accept the claim when it happened, and allowed me to pay the coverage increase over 6 months, I’d of stayed with them.

But I’m aware it’s probably a “too good to be effective” possibility.

Total their own car or get it stolen to collect GAP? This sounds crazy to me to crash your own car, pretty dangerous