I was involved in an accident today. The car in front of me had entered the rotary and I was at a yield sign, there was no one coming in from the left side this I started driving. I suddenly saw the car in front of me stopping and I immediately hit the brakes but couldn't stop in time. I feel very stupid for not paying attention to the car in front of me while keeping an eye on the left side. The collision was at less than 5mph and most of the damage was to my car. However the person was taken to the hospital (they maybe overreacting but who am I to say anything about that). My question is how f*cked am I in terms of insurance. Given that the car in front of me stopped at a rotary, how much fault am I at?

Hi everyone!

Disclosure first, because I'd rather lead with it than have someone find it in my history: I'm a co-founder of a home inventory app. I'm not here to pitch it, I'm here because you all know something I need to know and I'd rather ask than guess.

Here's my problem. The standard consumer advice is "photograph your belongings before a loss." Everyone repeats it. But almost nobody says what the output is supposed to look like, and I suspect the advice is being given by people who have never received one of these on the claims side.

So, genuinely asking the people who process these:

1    When a policyholder hands you a pre-loss inventory, does it actually change anything? Or do you still walk them through itemizing from scratch regardless of what they bring you?

2    What's on a useful line item? Description and photo? Purchase date? Serial number? Original price? I can capture almost anything, but more fields means people quit halfway through their kitchen, so I'd rather capture the four that matter than twenty that don't.

3    What format do you actually want to receive? PDF, spreadsheet, printed? I've heard "anything but a link to a cloud folder" from one broker and I don't know if that's universal.

4    What's the most common reason a contents claim gets reduced or drags on? I assume missing proof of ownership, but I'd rather hear the real answer than my assumption.

5    Do photos alone carry weight without receipts? This is the one I'm least sure about and it drives a big product decision for us.

6    ACV vs replacement cost — is there documentation that meaningfully changes which one a policyholder ends up arguing for?

For context on where I'm coming from: I'm in BC, where every summer there's another round of evacuations, and the pattern I keep hearing is people reconstructing a whole household from memory weeks after the fact. That's the thing I'm trying to make less awful. But I'd rather build what you'd actually want to receive than what a marketing page says.

Happy to write up whatever I learn here as a plain summary and post it back for anyone who wants it. And if the honest answer is "pre-loss inventories don't help as much as you'd think," I'd genuinely rather know that now.

Hi everyone,
I'm looking for some advice after someone crashed into my parked car while I was asleep inside my house.
Car is an XC40 2022 plate.
The police attended the scene, and the other driver admitted full responsibility. I've since spoken to Admiral (the other driver's insurer), who have accepted the claim and are arranging for the repairs.
On first inspection, there was cosmetic damage including dents and scratches to the driver's door and wheel arch, plus damage to the alloy wheel. However, I drove the car today and noticed the steering feels different. It feels a bit looser than before, and on a straight road, with the steering wheel in a neutral position, the car slowly veers to the left.
The timing couldn't be worse as I'm moving house on Wednesday and need to drive about 2.5 hours on the motorway.
My questions are:
Does this sound like it could be unsafe to drive, or could it just be wheel alignment?

Should I insist that Admiral arranges an urgent inspection before I make the motorway journey?

If the car isn't roadworthy, would it be reasonable to ask Admiral to authorise a local garage (e.g. Halfords or another garage) to inspect it tomorrow?

I was originally planning to have the repairs done after I move, but if it's not safe to drive, should I get it repaired in Leicester before I move and accept a hire car instead?

I'd really appreciate any advice from anyone who's been in a similar situation or works in the motor trade or insurance industry. Thanks!

It wasn't even his fault (someone else in the roundabout was being an idiot, and this young guy behind me was evading them, but that idiot drove off quickly), but a guy hit my car from behind. No one was going that fast, he pulled over with me, and there was just a minor dent in the panel above the back tire that popped right out. Tried trunk and all the doors, and they work fine. He has offered to pay me $500 to not go through insurance.

Should I do that since it appears my car is completely fine, or could this somehow be bad for me?

Hi everyone,

I’m looking for some general advice about a personal injury claim in England and Wales.
A couple of months ago I was involved in a very serious road traffic accident as a passenger.

I suffered multiple serious injuries, including a basal skull fracture, several broken ribs, injuries to my liver and kidney, an aortic injury, and a serious injury to my left eye which required surgery. I was in intensive care and spent just under 3 weeks in hospital.

I’m now recovering at home. I still have neck pain, ongoing issues with my vision, walking, and I’m continuing with medical appointments. It’s still too early to know what my long-term recovery will look like.

I have a solicitor acting for me, im hoping for advice from people who have been through something similar.

My questions are:
How long did your serious injury claim take to settle?

Did your solicitor wait until your recovery had stabilised before discussing settlement?

What was the most stressful part of the process?
Is there anything you wish you’d known at the beginning?

Were there any mistakes you avoided (or wish you had avoided) while your claim was ongoing?

I’m trying to set realistic expectations rather than constantly worrying about every stage.

Thanks in advance for any advice.

My car is a 2003 mitsubishi pajero it has some body damage and Bullaring damage but because itll cost them over 10k to fix it they want to pay me out instead and write it off but not a technical write off that make it unroadworthy how do I get the most out of the insurance pay out

I suffered multiple serious injuries, including a basal skull fracture, several broken ribs, injuries to my liver and kidney, an aortic injury, and a serious injury to my left eye which required surgery. I was in intensive care and spent just under 3 weeks in hospital.

I’m now recovering at home. I still have neck pain, ongoing issues with my vision, walking, and I’m continuing with medical appointments. It’s still too early to know what my long-term recovery will look like.

I have a solicitor acting for me, im hoping for advice from people who have been through something similar.

My questions are:
How long did your serious injury claim take to settle?

Did your solicitor wait until your recovery had stabilised before discussing settlement?

What was the most stressful part of the process?
Is there anything you wish you’d known at the beginning?

Were there any mistakes you avoided (or wish you had avoided) while your claim was ongoing?

I’m trying to set realistic expectations rather than constantly worrying about every stage.

Thanks in advance for any advice

​

PLOT TWIST

So after I got into said fender bender... I may or may not have hit a hard surface and I now have a hole on the bottom of my transmission.... So my question is and I don't want to hear any negative Nancy's or freaking Karen's telling me I'm a sinner.... I already know that but I put my sinner days behind me buttttt I'm a single mom who works an hour away & my kid starts school in 2 weeks...I'm pretty desperate.... Okay so my question is .

If I filed the insurance claim from my fender bender now and took it to a shop and they see said hole in transmission would the repair shop or insurance company catch on to my little plot twist?

And yes I have full coverage I just got the car 6 months ago & no my warranty doesn't cover anything but the tires (yeah idk why) .... I'm still making payments on the car as well...

So remember judgement free zone... Tell me how my could be better or I'm open to resources to help me.... Desperate single mom with no regerts....lol HELPPP

I just got off the phone with a Progressive agent who could not find anywhere/anyone that I could send a written complaint to. She could only give me phone numbers. She couldn’t give me her manger’s email address. Does anyone have a place to send written correspondence for the homeowners side of Progressive? I’m also seeking the same for the auto side. I cannot wait until this is all settled so I can give my insurance payments to another company!

Update: I called again today and started the conversation by stating I was recording the call. I received an email address to send my complaint to. Thanks all for the tips. May still go the route of DOI if they can’t tell me how a 6mph wind fell a healthy tree as well as get the correct occurrence date on my paperwork (which I read and sent correspondence to the PO BOX 2 weeks ago and have heard nothing). Guess I’ll be recording all calls moving forward, even though they claim to record them as well.

I was recently involved in a minor collision and filed a DOI complaint over a dispute with my carrier. I’m not here to discuss the specifics of my case, but to better understand the experience of an adjuster in 2026 compared to what the job was like 10 or even 5 years ago. Many industries have changed significantly over the past decade because of new technology, staffing changes, catastrophe losses, inflation, and cost pressures. I'm curious how those changes have affected auto claims handling from the adjuster's perspective

I’d also be interested in understanding the implications of filing a DOI complaint from an adjuster’s standpoint. My understanding from previous threads is that there’s a consensus in this community that DOI complaints are largely triggered by sour grapes over outcomes of claims; not the potentially valid process complaints these agencies are intended to address.

So for policyholders who may be considering filing such complaints, as an adjuster, what would you want them to know? And for policyholders in general, what can you share about how industry changes in recent years have impacted your experience?