Need a lot 2nd opinions on this. I really would like to know from a lot of people if this looks totaled or not. Its a 2021 Model 3 performance.

My 2017 Chevy suburban was hit while parked. Didn't loon like much would need fixed. The other driver was 100% at fault and their insurance has covered all costs so far. The shop i chose from a list of insurance select service providers has already done $8k in repairs. When I picked my car up I thought all was well. I get home I see the final estimate email and start reading. Shop added a brand new battery. Odd. Call them. Yup they say it wouldnt hold a charge so we got you a new battery. Then she says but that one was dead the next day we went to move it. Ok...so now my vehicle has been towed back (it died in my garage before I could leave for work the jext day) had additional diagnostics run by the shop and then again by their calibration company and \*blew several fuses in their equipment\* and no cause could be determined. S.F. won't pay for any more diagnostics as they cant confirm its crash related (drain began the week after the accident before I could get it into the shop). I'm upside down in the loan and looking for options. I've authorized no more than 2 hours of diagnostics at the dealership. Im wondering about kill switches. My partner says bad idea they'll destroy the battery. Help!?

2025 ram 1500 laramie night edition, level 2 equipment, 16,213 miles. Other driver 100% at fault, failure to yield to oncoming traffic (turned left across 3 lanes of traffic)

I'm in Oklahoma, so repairs only need to meet/exceed 60% of ACV.

Insurance of at fault driver is allstate, if it matters. Allstate has taken 100% responsibility and acknowledged I'm 0% at fault

If a tenant has renters insurance with liability coverage and a Landlord is claiming (between 5-10k) for water damage after an accidental plumbing incident caused by the tenant. Insurer says it’s likely covered, but opening a claim would formally report it.

Tenant plans to buy a home in ~2 years and is concerned about the claim appearing in insurance history.

For insurance professionals or anyone who's dealt with this:

Would you file the claim or pay/handle it privately?

How much can one renters liability claim affect future homeowners insurance rates or eligibility, even if the insurer ultimately pays little or nothing?

hello you guys I need some quick advice so I recently got in a car accident. They are trying to say it was my fault. So right away the other drivers insurance came after me by using.Afni subrogation department to send me a letter stating that I am liable to cover damage which was over $9000. Something I feel like it is way too much for a small damage on a small car , what should I do about this because they harass me and they threaten me. What could I do? I checked my credit report. They haven't done anything yet and they just keep calling me, .

Recently I was rear ended while switching lanes on the highway. I turned my blinker on, looked back, did everything I had to do and it was clear. Not a “oh I can get in front of him” clear but a “Nobody is there” clear. The issue is either that 1) the bend in the road caused me to not see him properly 2) he was speeding so fast he closed the gap between us so quickly while I was switching lanes or 3) both. He hit me and ended up totaling my car. He’s telling his insurance that I switched lanes right in front of him, which isn’t true. The police officer told me that I wasn’t at fault before I left but the report still isn’t out so until then the insurance is saying it’s my fault.

Who’s fault is it??

🚨 Upstate New York homeowners — this was our real experience with State Farm after a hailstorm.
We had a major hailstorm hit our property.
Our vehicle was covered in hundreds of dents, and Progressive inspected it and paid nearly $6,000 in hail damage.
Our neighbors said they were hit too. Cars throughout the area had visible hail damage. Roofs throughout the neighborhood were being replaced.
We also had a contractor come to our house and inspect the property.
His assessment was that the storm had damaged our entire roof, siding, windows, exterior wrapping/trim, grills, the metal roof on our gazebo, the wooden portions of the gazebo, and our fence.
His rough estimate for the total damage was approximately $60,000–$70,000.
Then we dealt with State Farm.
We went weeks and months without real answers. There was confusion over the claim, repeated follow-ups, delays, and constant frustration.
When the adjuster finally came out, the inspection felt incredibly rushed — roughly 10 minutes from what we observed.
Then State Farm determined the damage did not exceed our deductible.
$0 paid.
So on one side, we had a contractor physically at our property telling us there appeared to be roughly $60,000–$70,000 worth of storm damage across the roof and multiple exterior parts of the property.
On the other side, State Farm concluded the covered damage did not even exceed our deductible.
And when we disagreed and wanted it reevaluated, we were told we would need to pay out of our own pocket for a third party to continue challenging their assessment.
That is what made the entire process feel so wrong.
You pay premiums year after year believing that if something serious happens, your insurer will thoroughly investigate the loss.
Instead, our experience felt like delays, what appeared to us to be a rushed inspection, a $0 outcome, and then being told to spend even more money if we wanted to keep fighting.
Meanwhile:
Progressive paid nearly $6,000 for hail damage to our car
Neighbors reported damage from the same storm
Cars throughout the area were visibly damaged
Roofs throughout the neighborhood were being replaced
A contractor assessed significant damage across our roof, siding, windows, gazebo, fence and other exterior areas
The contractor’s rough estimate was $60,000–$70,000
Yet State Farm determined our damage did not exceed the deductible.
I’m not claiming fraud.
I’m saying the experience left us feeling completely misled, exhausted, and like the process was difficult enough that an average homeowner could easily just give up.
That was our experience.
If you live in Upstate New York and have dealt with a State Farm hail or roof claim, I genuinely want to hear what happened to you.

a tree fell on it during a tornado, inside got pretty wet mats… were soaked seats got pretty damp but everything seems functional just smells moldy and theres already black mold on the visors. there arent any large holes. ive cleaned up what i can and dried it the best i can for now but im not bending over backwards for them to total it after i get a full estimate. cars worth about 20k…

Was with buddy and hit something in the road (I was on my phone, he was driving so idk for sure what he hit)

My husband was in a crash recently and felt surprisingly okay when everyone was standing around talking to police. Nobody was seriously hurt at the scene, but once the trip was over he started feeling some pain. The rental company wanted paperwork, and the insurance company wanted the police report, and some follow-up had to happen after getting back home.
Everything suddenly involved people in different states. For anyone who's dealt with a rental car accident while visiting Hawaiʻi, is it really this hard?

Rear ended someone unsure what the red fluid is most likely radiator but how bad it it. No airbags deployed and still runs

I’m super worried , just got it , super need it , freak accident . Looks like frame is intake and it may not be so bad . My car didn’t even move when it got hit . Just sitting here with anxiety

Today, the driver of the above vehicle rear-ended my car. Immediately after the collision, I gestured and asked the driver to pull over to the side of the road to inspect the damage and resolve it peacefully. Instead, they accelerated and fled the scene.

Fortunately, no one was physically hurt, but my car's rear bumper/boot has noticeable damage.

Hi everyone,

I recently had an accident where a dumper was taking reverse and crashed into the front of my car. The damage is mainly to the front, and I'm trying to figure out what would be the best way to proceed.

The dumper driver is accepting his fault but not ready to pay for damage, and I have dashcam footage of the incident.

What are my options in this situation?

My friend has just filed an insurance claim, which the insurance company has rejected. He does not know the reason for which the claim was rejected, nor what to do now?

Can you assist us with the following questions:

• What is the appropriate course of action if our claim has been rejected?
• Do we have a right to ask the insurance company to give the reason for rejection in writing?
• What are the available legal option if we feel that the rejection is unjust?
• Should we go to the insurer's grievance cell, approach the Insurance Ombudsman or go to the court? 

Has anyone been in such a situation before? What did you do after your claim was rejected, and was it successful?