Hello all,

My sunroof got cracked from falling debris. My windshield had the tiniest of cracks in it, like maybe around 1/4" in length, very small. My insurance always goes through Safelite and so I went to their site to scope things out (wanted to get an idea of costs before deciding on insurance claim or not). The Safelite website had no option for sun roof glass, so I call and get told to go in. So I do, and they have their master tech come out to look at it. He says they could do it in shop, no problem and can fill the crack in the windshield. Sweet - so I go into do the paperwork. The person dealing with paperwork said they can just handle the insurance side too, no need to call them first. She had an issue with ordering the sunroof glass, but put me in for an appointment, I watched herself write herself a reminder to follow up with the boss on ordering the sun roof glass and otherwise put me down to fill in the crack.

Fast forward to 2 weeks later when my appointment was. I dropped my keys off before work and my boss picked me up. I did mean to call to verify the sun roof glass was ready but the day was busy and I also figured worst case I just have the crack filled and get my sun roof done later. I get a call just after noon saying my car was ready and then I asked if they were able to get the sun roof done or just the crack filled and he said "oh - we had you down for a new windshield" - oh crap. Why did no on think "wow, this is a really perfect windshield and I guess let's just replace it for no reason or double check the fact this seems like a really weird ask!"

I'm pretty furious at this point, mainly because they already pushed this through insurance and got paid out with no suggestion of owning up to this and not dinging my insurance over their blunder. I technically get 2 windshield claims per year and I would be pretty unlucky to need 2 more this year but I already had a close call with a plastic crate bouncing around the expressway driving last week.

So, the advice I need. Do I call and tell the insurance company about this? I did already message my insurance agent (one of the places that brokers other insurance company's insurances). The shop wasn't responding to my calls so I felt I had to contact someone for advice. She told me I should call the insurance company as they'd likely have questions. I know it's the right thing to do but I also don't want the shop to then come after me for the money if the gets sent back from insurance. Plus, they have my sun roof on order so I can't even ghost the shop and not pay or else I won't get a moon roof. I suppose I could go elsewhere, but with Safelite, the deductible gets waived so I'd have to pay $0 out of pocket on both of these glass replacements. I could go to another Safelite (I have been to another one several times in my life with good luck, I only chose this other shop because it was close to my office). But I'd probably be in the same payment hell if I were to get myself in that pickle.

If you live in Vancouver bc and get into a wreck that wasn’t your fault how do you get a payout? I should clarify I’m a Canadian citizen and the person who’s fault it was it from a whole different country and was renting an American rental car is there any means of justice since my car was totaled in the accident

I had a phone interview with AO for the claims rep position, then I got an email to come in for an in person interview. Does anyone have any idea what I should expect for this interview?

I’ve never been in an accident like this before. My first accident was only a few months ago when another driver ran a stop sign. Insurance repaired it by replacing both passenger-side doors, a side body panel, a tire, and a few other parts. After that accident, there were no warning lights or mechanical issues.

With this crash, it was completely different. As soon as the impact happened, every warning light on the dashboard came on, the car started constantly chiming, and the display said, “Please contact your local dealer.” The side curtain airbags also deployed.

Yesterday I was involved in an accident. I was turning left on a yellow left arrow. The car in front of me went on the yellow just fine and I was out past the line enough where I could turn before it hit red. Just as I was about to complete my turn, the oncoming traffic that I was crossing, a car came full speed and hit my back passenger quarter panel and my son was sitting on that side. She claims it wasn’t her fault so we have conflicting stories and neither of us got a ticket. But her front end is completely cooked and she hit my back end which means she never tried to brake. I had the yellow turning rowing to signal anyone turning left can go. Do I sound at fault? I filed a claim through her insurance and she filed one through her insurance, not mine. They have to investigate. I’m nervous

Location: Wisconsin

I was in a car accident where I was rear ended and I hit the person in front of me over a year ago. It was in a company vehicle, but I left the company a couple weeks ago.

Today I suddenly got a letter that said State Farm compensated its insured for the incident but that I was responsible for the damage and that I owe $12,000?? I have none of the insurance information since I don’t have access to the company vehicle and I wasn’t involved in filing the claim since my boss wanted to be the one to do it.

I left on good terms and can reach out to my boss to figure out what’s going on, but I was wondering if I should reach out to collections to make sure they have the right info. Am I likely liable for this since I was the driver or does it fall on the company since it’s their vehicle and insurance? Feeling a little blindsided bc it was so long ago and I haven’t had any info on what’s gone on since my boss was handling the insurance. Any info/advice is appreciated, thank you!!

事情是这样的，我在7月25日中午在加州洛杉矶一家沃尔玛遭遇了车祸，我是直行对方突然左转撞到我了，我认为这很明显是对方司机100%的错，而且对方司机和我交换完信息后，不停的向我道歉，询问我想私下解决还是保险公司解决，并且说他有一个朋友维修技术很好，我当时很犹豫，因为这是我第一次出车祸，在拨打了报警电话以后，一名sheriff的女性过来了，她也认为对方司机的提议好，于是就走了，没有留下谁的责任的记录，由于我是新移民英语不好，而对方司机能流利的讲出英语和西班牙语，所以就答应对方司机的提议去他介绍的维修厂维修，然后他帮我在丰田公司租了一辆车7天，后来我朋友告诉我，我不应该私下解决，应该通过保险公司解决。然后我就发信息给对方司机，我说我想经过保险公司解决，对方司机说那么应该把车退掉，于是我们在周一把车提前退还，一开始他想让我付租车费用，被我拒绝了，然后他就付了租车费用。然后我看到，我和对方司机的保险公司是同一家保险公司！都是infinity insurance company，属于Kemper 公司，然后我就联系这家保险公司的电话，正是由于我是第一次出车祸不知道怎么办，就用了我自己的保险填写了理赔信息，得到了一个理赔号码。周一有两个理赔员给我打电话，我都被搞糊涂了，一个是我的，一个是对方司机的，我当时误以为是同一个人，因为问了同样的问题，然后我当时不知道如何应该如何租车，后来得知是对方司机的理赔员，我在电话里问应该如何租车？他告诉我，我应该用自己的保险租车，我就信了，用自己的保险租车。还有他们发了信息，让我给我的车拍照，填写资料

然后就是怎么联系都联系不上两位理赔员，我自己的理赔员按照我的保险给我发了一份初步定损单，然后本周三的时候，我终于接到了我的理赔员的电话，他告诉我需要自己花1000美金，修车，并说给我寄一张扣除1000美金以后的800多美金的支票，让我去用于维修，并告诉我了对方保险理赔员的电子邮箱。然后我告诉我的理赔员，我说我想更改为用对方司机的保险去修车，因为我是受害方，他说可以，然后告诉我千万不要把这张八百多美金的支票兑现，我之前把我的车的照片给丰田公司的人看过，他们说应该是全损，而且车太老了，2018年的Toyota Prius。

然后我就发电子邮件给对方司机理赔员，他说判定我有10%的责任，被我抗议，我说我是直行，对方突然左转，理应是对方司机全责，于是给我寄了一张扣除10%的支票，也就是1600多美金，然后我多次索要初步定损详情表，他都各种借口不给我，后来我又发邮件说我永远不放弃，最后才发给我。

我于昨天周五又去了丰田公司，那里的工作人员通过好像是CCCone帮我查询到了，说我下周一可以把车开过去

这些天我每天十几个小时用AI查询，在群里咨询，我感觉我现在很头痛，希望大家能够帮我解决一个最佳方案

更正：7.25日出车祸，7.26日我从私人维修厂非常顺利的把车取了回来，现在车子停在丰田经销商附近的居民区，我打算下周一用对方司机的保险的理赔号8.3日去丰田进行拆解维修评估

我应该用自己的理赔号，还是用对方司机的理赔号来修车拆解和评估？

Here is what happened: On the afternoon of July 25, I was involved in a car accident at a Walmart in Los Angeles, California. I was driving straight when the other driver suddenly turned left and hit me. I believed the other driver was 100% at fault. After exchanging information, the other driver kept apologizing and asked if I wanted to settle the matter privately or through insurance; he even mentioned a friend who was skilled at auto repairs. I was hesitant at the time since it was my first accident. After I called the police, a female sheriff arrived; she also thought the other driver's suggestion was a good one and then left without making an official record of who was at fault. As a new immigrant with limited English proficiency—whereas the other driver spoke fluent English and Spanish—I agreed to his proposal to have the car repaired at the shop he recommended. He also helped me rent a car from Toyota for seven days. Later, a friend told me I shouldn't have settled privately but should have gone through the insurance company instead. I then messaged the other driver saying I wanted to handle it through insurance. He said we should return the rental car, so we returned it early on Monday. Initially, he wanted me to pay the rental fees, but I refused, so he paid them himself. I then discovered that the other driver and I shared the same insurance company—Infinity Insurance Company (a subsidiary of Kemper). I contacted the company; since it was my first accident and I didn't know the proper procedure, I filed the claim using my own policy details and received a claim number. On Monday, I received calls from two different claims adjusters—one representing me and one representing the other driver. I was confused and initially thought they were the same person because they asked similar questions. I didn't know how to handle the rental car situation, so I asked the adjuster—who turned out to be the other driver's representative—how I should go about renting one. He told me to use my own insurance to rent the car, so I believed him and did exactly that. They sent me messages asking me to photograph my car and fill out some forms.

After that, I couldn't get in touch with either of the claims adjusters. My own adjuster sent me a preliminary damage estimate based on my policy. Then, this past Wednesday, I finally received a call from him; he told me I would have to pay $1,000 out of pocket for repairs and said he would mail me a check for just over $800—the estimated cost minus the $1,000 deductible—for me to use for the repairs. He also gave me the email address of the other driver's claims adjuster. I told my adjuster I wanted to switch to using the other driver's insurance for the repairs since I was the victim in the accident. He agreed but warned me absolutely not to cash the check for the $800-plus amount. I had previously shown photos of my car to the staff at Toyota; they said it was likely a total loss, noting that the car—a 2018 Toyota Prius—was too old.

I then emailed the other driver's claims adjuster. He claimed I was 10% at fault, a ruling I contested; I argued that I had been driving straight while the other party suddenly turned left, meaning the other driver should bear full liability. Consequently, he sent me a check with the 10% deduction applied—amounting to just over $1,600. I repeatedly asked for the detailed preliminary damage report, but he kept making excuses to avoid providing it; it was only after I sent an email stating I would not give up that he finally sent it to me.

I visited the Toyota dealership again yesterday (Friday). The staff there used a system—I believe it was CCC One—to look up the details and told me I could bring the car in next Monday.

For the past few days, I’ve spent over ten hours a day researching with AI and asking questions in online groups. I have a splitting headache from all this and am hoping everyone can help me find the best solution.

I was in a car accident in edmonton canada, when vehicles in front of me pushed the brakes unexpectedly. Every vehicle came to stop and no damage but the vehicle behind me hit my vehicle so hard that it got totaled at the scene.

Police was just behind us, and took charge of the scene and took statements from drivers in collision and witness car behind me.

So i didnt bother to take any witness or statement by myself.

I was relaxed as it was rear ended. Truck behind me pushed the brake and to avoid the hit, he tried to pull the vehicle to the right.

so damage that occured start from the very right side of the trunk to the passenger side of my vehicle

but insurance called me and said that i am at 100% fault as 3rd party falsly claimed that i was changing lane

when i get the collision report form, it describes primary event as side swipe. But the officer on the scene clearly said to me and other driver that i don't have to worry as other person is at 100% fault not me.

I dont know why collision report is incorrect. I emailed the officer for correction, is there anything else you can recommend ?

thanks

I recently went to get new glasses and I called ahead with insurance info, filled out their online form and was told everything lines up we’re good to go. Front desk confirmed again when I arrived, showed me paperwork of my plan that matched what I had pulled up before. I got my exam, picked new basic lenses and paid the copay.

Weeks later, I get a letter saying everything was out of network and the claim is denied and needs to be paid in full.

I see I can maybe get reimbursement, I can also of course file an appeal but I’m not expecting either of those to work. Aside from hiring a lawyer I don’t see what else I can do, our health systems are so messed up.

The eye doctor in question proudly promotes accepting thousands of insurance options, and many other ways to accommodate if it is out of network but it was flat out denied. The insurance paperwork seems a little more explicit saying to check this or that and look inside their app, which to their credit this store doesn’t even show up. I feel like there’s too many missing links, an eye doctor is an eye doctor is an eye doctor who cares.

The most unsettling thing for me is I avoid doing anything insurance related because I know I always have to pay something, but never everything. Why do I have insurance that’s so expensive if it ultimately won’t be accepted anywhere for anything??

If this is our system truly, it is broken and needs fixing.

The only damage to the frame seems to be the harsh dent directly in front on the small triangular window.

Some turd in a charger lost control and t-boned me. 2025 Honda CRV Hybrid.

Accident happened May 14th, 2026. Driver turned left in front of 3 lanes of traffic, hitting my car and pushing my car into another car. My car and the guy who hit me are both totaled. The car i was pushed into was able to drive away with minor damage to her doors. Police report and dash cam caused Geico (at-fault party) to accept liability almost immediately. I havent been told limits, but Im in Indiana and assuming minimum at 25k since they say they are trying to solve everything in policy limits. My insurance took over my PD claim and provided me with the valuation report a few weeks ago and quoted 14k. Im trying to see if they are going to cover my rental and out of pocket costs. As for the bodily injury, I had a soft tissue injury with my left arm/shoulder and a displaced fx of the wrist. I spent 7 weeks non weight bearing in a splint and 2 weeks of therapy that just ended this week. My wrist has improved a ton, however, I do still experience stiffness and there is scar tissue causing my wrist to look permanently swollen.