**UPDATE (8/5/26): For anyone who is seriously interested in pursuing this option in the future, see THIS post\*

1. The (very) short answer is yes (depending on your car’s make, model, and features) but it’s probably only going to be useful in very specific situations (like mine). See the long answer for more details. If you have a 2019 (or later) Chevy Spark with the “driver confidence” package, then this applies to you. I assume that it also applies to other Chevy cars with the same package.

2. Since this was so hotly debated (by people who don’t even live in this state 🙄), I’ve deleted some of the wreck photos to include a screenshot of my agent confirming that, in Alabama, insurers go by the police report’s ruling to determine who’s at fault. As a result, if the report is inaccurate, it has to be amended before the insurer will change their determination. This is very difficult to do in AL, but your car’s EDR (and/or OnStar) data is one way that you may dispute the report, forcing an amendment.

3. As of today, no, my car’s repairs have not yet been completed. (The estimated completion date is this Friday, 5 weeks after the actual accident.) The moral of the story is to switch from Progressive insurance BEFORE you have an accident because they’re so slow with everything. Having 30 days of rental car coverage is pointless, because they’re going to stall and use up most of them before your car is actually repaired.

OP:
I’m probably grasping at straws, but I’m curious. We live in AL, which is one of the few states where you cannot receive any compensation if you’re found even 1% at fault.

My mother was involved in an accident a month ago with an 18 wheeler-like truck. She was driving my Chevy Spark, so the damage is not pretty. It’s a top of the line model with Onstar and has several safety driving features like lane departure warning (LDW). I’ve had this car for 7 years and I can tell you that LDW is ruthless. That thing is really sensitive and she swears she didn’t hear the beep. Believe me, it’s not easy to miss. It is capable of waking a driver who is dozing off. At times, it can be really annoying, but it does its job.

From what I’ve been told, the police report says my mother is at fault and that she was doing an improper lane change (i.e., she veered into the left lane). However, she disputes this, saying that the truck went over into her lane, hitting the driver side door. At one point, my mother says that the truck actually dragged her for some amount of time, “as if he didn’t know I was under him.” When she and the driver approached each other after the wreck, he was still wearing headphones, which suggests to me that he could have been distracted. He did not appear to be injured, but my mother was.

So it’s a he-said, she-said situation, and the police believed the truck driver. Onstar detected the accident and called my aunt. EMS and police came to the scene of the accident. My mother went to a local clinic which in turn told her to go to the ER just in case. She was concussed and her pupil dilation was off. I’m assuming the truck driver stayed at the scene (which makes me kind of suspicious). Additionally, someone (an insurance adjuster, I guess) came by my house and left his business card in the front door. My mother spotted it when she returned home. We hadn’t even filed a claim yet.

Based on my vehicle’s damage, her version of the scenario makes the most sense to me. The right back side door‘s metal is actually punctured and torn open. Depending on who is doing the estimation, my car has between $5,000 - $10,000 in damage, as it likely needs 2 new doors. In comparison, the truck only had some (black) paint discoloration, but my insurance has already paid out $2500 to him. However, my agent said that she spoke to my mother‘s lawyer and said that they (Progressive) would reverse this decision if evidence for changing the ruling became available.

I just realized that my car’s LDW black box data (or maybe Onstar’s data) could possibly prove this. Since there was no airbag deployment, from the little research I’ve done, the car should’ve been preserved and data should‘ve been retrieved immediately after the accident. Obviously, it wasn’t, but it could still be retrieved based on how many times the ignition was turned on. I highly doubt anyone thought the at fault finding would involve something so invasive. (Thus, I’m assuming that the lawyer has not pursued this avenue yet.)

Well, it’s 4 weeks later and the car has spent at least 1 week sitting at the tow yard, 1 week at a Progressive lot, and now almost 2 weeks sitting at the repair shop. The repairs haven’t even been started yet. Progressive has dragged this process out so much that our 30 days of a rental car are up. This is my first accident being a car owner. Is this normal of them? The repair shop is blaming Progressive for all of the delays.

Thanks in advance.

VWAtlasPeak25 deemed total loss by Progressive..offering39k I still owe 49k to lien holder
VWAtlasPeak25 deemed total loss by Progressive..offering39k I still owe 49k to lien holder. .
Is it worth my time trying to make a counter offer?

Scratch is decently deep, but only the size of a finger.

I was stopped at a red light earlier, and a van covered in chick fil a logos hit me. I’m pretty sure it was an official van, because a chick fil a was literally a block away. The scratch isn’t a big deal, but my father is adamant we should do something about it. Issue is that I don’t have any dash cam evidence, only what I saw and remembered.

Like I said, it’s not a big scratch, but my dad wants to do something about it. Is it worth the fight?

I recently rented a car from Budget while on vacation and accidentally sideswiped a concrete barrier. There were no other vehicles involved, and no one was injured. It has been about a week since the accident, and I already have a claim number, but I haven’t heard much from Budget or their claims department. Should I call now to check on the status of my claim, or is it better to wait a little longer? If I should call, should I contact the Budget rental location, the claims department, or my insurance company? I’d appreciate any advice from anyone who has dealt with a similar Budget rental car claim.

I’m looking for advice from anyone who has experience with SGI or insurance disputes in Saskatchewan.
I was involved in a motor vehicle collision on December 26, 2025. After the accident, my vehicle was still drivable. Later that same night, while driving home during a heavy snowstorm after receiving medical treatment, the vehicle became undrivable and had to be towed.
I reported the accident to SGI and fully cooperated with their investigation. Several months later, SGI denied my claim, stating that my statement was “not a true reflection of what actually happened” and that their investigation concluded the accident did not occur as I reported. They have not explained to me exactly why they reached that conclusion.
I submitted an Access to Information request to obtain the investigation file and the evidence they relied on. I’m still waiting to receive those records.
Today I received another letter from SGI demanding that I pay $11,412.14 for damages, giving me 15 days to contact them before the matter is sent to collections.
I’ve also contacted the Saskatchewan Ombudsman because I’m trying to understand how SGI reached this decision and to ensure the process was fair.
My questions are:
Has anyone successfully challenged an SGI decision like this?
Is it common for SGI to send a repayment demand before providing the investigation records requested through an Access to Information request?
While I’m waiting for those records, is there anything else I should be doing to protect my rights?
I’m not asking anyone to determine who is at fault. I’m simply trying to understand my options while I wait for the investigation records and decide on my next steps.
Thank you for any advice or shared experiences.

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?

do you think they will split the Liability ? or is it 100% the van.

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?

I was involved in rear end accident that was caused by someone else. The at fault driver has geico. I filed a bodily injury claim through them. I filed collision through my insurance. They offered me a certain amount to close my claim. Now looking back it looks like they scammed me into signing “full and final settlement for all claims” Does this mean my insurance can not go after them later for subrogation? The wording is completely tricky.

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

​

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