First claim ever for a not at fault (deer hit and run) no other damage to than my car. Took my car to get an estimate and right after, the policy holder (my dad) received an email that I am being dropped. Confused here?? Never had an issue with insurance before

EDIT: thanks to the few who were genuinely trying to help. I’ll be taking the appropriate steps to get this fixed. I should have worded this a bit differently but it was not a “hit and run”. A deer jumped out in front of the car therefore causing damage to the vehicle. As for the others ✌🏼

So, Friday (5 days ago) I was rear ended, cops came, I opened a claim with my insurance (allstate) and got the car to the nearest body shop for an estimate. Monday morning my assigned adjuster called me for a statement and foremly closed my claim because apparently I don't have collision insurance. I'm covered for everything else, just not collision, I'm sure someone at some point informed me when I signed up for the policy I just don't have any earthly idea why I didn't add that on anyway.

Regardless, my adjuster did offer to make a third party claim on my behalf on the guilty party's insurance. I had to wait until the police report for that info as the other party actually kept driving for several blocks before stopping and had their own officer handling that part and I honestly didn't even think about it. However, the report was sent to me yesterday and their insurance info is marked as unknown. How can it possibly be unknown? Did the cop not ask for that information? If they were uninsured, wouldn't it be noted in the report and more citations beyond the hit and run would be issued?

I'm still waiting to hear back from the officer about it, but I did reach out to the other party personally. She put her son's cell number as her own for some reason, he was pleasant enough and gave me her number. I called, no answer and the mailbox is full. Sooooooo, that's fun.

In the meantime, I called and left a message with the adjuster asking to reopen the case as I am covered for uninsured driver property damage and sent him the police report, estimate and other party's phone number. I haven't heard back. The estimate is several thousand dollars more than the car's value so it should be a fairly easy and simple decision to total it. And I'm already looking into buying a new car.

Is there anything else I should be doing? Any tips or anything I should watch out for?

Hi everyone, looking for some insight or reassurance on a commercial claim dispute in North Carolina accident that I was in on Oct. 2nd.

I was pulling up to a red light (4 lane road that consists of a - left turn lane, two middle lanes, and a right turn lane).
I pulled up beside a Mack truck at the light (looked like a truck that hauls mulch), he was in the straight lane next to me intending to go straight.. assumingely.

Well, he ends up makes a right turn, cutting in front of me as I’m in the turning lane, I was not moving, completely at a stand still (I’m not even sure if the light had turned green or not), but he made a turn at the light and the back of his truck hooked my front end. Basically ripped off my front driver side bumper, and headlight assembly forward and outward.

He didn’t stop.. so I follow him about 2-3 miles till he turns down a dirt road that had other trucks parked in it (I could still see him from the road, i didn’t pull in, I just waited on the side of the road in case he tried to leave).
I called 911 while I was following him and tell them the situation. about 7-8 mins later after me sitting, a deputy arrive, I told him the situation and pointed to where he went to, and he drove down the dirt road and waited down there until the HP arrives.

HP arrived.. I tell the HP what all happened, he then goes to talk to the other driver. He even mentioned seeing the debris of my car on the road back ahead.
HP came back and said he said that the other driver didn’t even realize he hit me (which is possible, I guess) so he didn’t cite him with a hit and run, but did name him at fault for the accident.

HP also said to me that the other driver said that he had his turn signal on and that he “always does that”.
HP said he told him that he wasn’t supposed to do that.

After leaving, I drive back by and took photos of the scene showing the debris from my vehicle strowed out into the lane of the other road that I would’ve been turning onto that he drug down the road as he hit me.

I file a claim through my insurance that day. Get a rental, the field adjuster quoted it at about $3,600, but the car is currently undergoing a teardown at a body shop and it will more than likely require a supplement for more structural damage.

My insurance company (National General) told me today that the other party’s insurance is denying liability, but my adjusters team said they’re backing their initial decision of me being 0% At Fault, and sent it to the subrogation team.. but that it will most likely go to arbitration.

Why is Progressive denying a claim that seems pretty clear-cut that he was obviously in the wrong? I was not even moving.

Is this just a standard commercial "deny and delay" tactic?

I hope I explained this to where it makes sense lol. But If anyone has any advice, or if this is common with commercial insurances, any feedback or information would be appreciated!

Thank you 😊

After moving my auto last year to progressive, I'm now considering Allstate for the after a 60% premium increase from State Farm due to me dropping their way overpriced auto.

Any advantage of talking to a slick salesperson over just doing an online quote? Last one I talked to fed me full of crap, then when I asked him to call back after Labor Day before my State Farm policy expired he never called.

Also a replacement value question. If the home has a replacement value according to Allstate's policy of say 320k, if you have a total loss and don't want to rebuild, do they pay the 320k or some other amount? I'm in a situation where if I had a total loss I would downsize, so not sure I want to pay the extra premium for percentage over replacement value that may be required to rebuild.

The insurance company paid off the balance of the loan already, and is transferring the $25K remainder to me. The APR on a new replacement vehicle is very low, so I'm wondering can I put half of this in my HYS and finance more of the replacement car?

Hey guys, I hope everybody's doing well. I need some help or some clarification if anybody can help me. I'm having lots of trouble at the moment.

So basically, I'm 25 years old, I live in Miami, Florida, and I'm in a wheelchair. I'm about to start driving really soon. I'm having vocational rehabilitation pay for not only the conversion of the vehicle, to add the ramp and make it handicap accessible overall, but they're also gonna pay to install whichever hand controls I need in the vehicle in order for me to drive.

Now, in order to start the driving evaluation process, they told me I need to call insurances and get quotes, just so I know how much I would be paying monthly. I've never done this before. My parents are busy and don't really have the time to sit there and call insurance, insurance, insurance. I've been calling and they've been asking me all these questions that I don't really know the answer to. If somebody can please just dumb it down for me and give me some clarification.

All I need, from what vocational rehabilitation told me, is full coverage, which is going to be like $200,000, just in case the car gets totaled or breaks or something. The reference car they gave me to use to get quotes is the 2027 Chrysler Pacifica, so that's the car I need to use for reference when they ask me what's the VIN number of the car, blah blah blah.

The $200,000 would include the base price of the car, which would be anywhere from $42,000 to $50,000 because it has to be a 2027. Then a couple more thousand dollars to install the ramp/lift in the car to make it go from standard to a handicap accessible vehicle. And then the other big chunk of money would be for the hand controls, which would be anywhere from $116,000 to $119,000. So in total, I roughly need $200,000 worth of full coverage.

Where can I start? What do you guys recommend? I have no previous insurance history.

Hey everyone,

I need some peace of mind from insurance pros because I am feeling incredibly anxious and COMPLETELY new to this and I wanted to make sure I am not being scammed.

I have three total claims on my record:

• July 2024: A roadside assistance call (hit a bump) where Progressive paid out $0 but logged it as an accident.
• May 2025: One actual at-fault accident.
• March 2026: A not-at-fault accident where the other person's insurance handled it and Progressive paid out $0.

I tried to get a policy online through Progressive and GEICO. They both blocked me and said they couldn't offer me a policy because I have 3 claims. GEICO tried to route me to Bristol West for a crazy $800 a month.

I saw someone one on a different post suggesting calling insurance agents called a local independent agent in my city. She took all my information over the phone, ran it through her system, and said she got me an approved quote with Mercury for a relatively normall, standard monthly rate. She didn't specify exactly why Mercury approved me when the others said no, she just said the approval went through.

The next steps she gave me are:

1. Send her a photo of my car registration and photos of my car from all four sides.
2. once that’s done pay for it and rece all my official policy paperwork and insurance cards.

Is it normal for Mercury to approve a driver that GEICO and Progressive completely blocked? Are the vehicle photos a standard underwriting requirement before taking payment, or is this a red flag? Does this sound like a legitimate process?

Thank you so much for your help!

I'm posting for my brother, an international student in Louisiana on a visa that only allows on-campus work and tutoring.

In July he was driving a friend's car, which had no insurance, and hit another driver's truck. He paid for his friend's car repairs himself. The other driver's insurer, USAA, then sent him a bill for $11,297.43, and he signed a promissory note for about $300 a month.

Questions for anyone with experience:

1. Are subrogation balances like this usually negotiable? Can he ask for a reduced lump-sum settlement or an itemized breakdown?
2. Should he have asked for the repair estimate and photos before signing the note?
3. Does it matter that the car was uninsured and belonged to a friend?
4. Are there legal aid options for international students in Louisiana?

Thank you for your advice

I hate Geico so much I have been on hold for more than an hour and a half trying to make a claim for a client, on my second attempt after the first was an hour and the call timed out! How the hell are non-attorney-represented claimants supposed to do shit?

I understand that that the whole point of insurance companies is to avoid paying out on the policies they sell, but this is ridiculous! I don't enjoy calling in to foreign call centers because they can be very hit-or-miss, but at least Allstate has the decency to make sure that they have enough people answering claim calls in a reasonable amount of time.

Heres the kicker: it gave me the adjuster's name before it put me on hold when I gave them the policy #, SO GIVE ME THE DAMN CLAIM NUMBER TOO! I WANT TO BOIL THAT GECKO LIKE A FROG.

I have consistently had this issue with Geico, the third largest US auto insurer, and ive never had this issue with any other company including Progressive or State Farm which are both bigger than Geico.

I ended up having to give up after an an hour and 38 minutes and went home for the day.

TL;DR: third largest US auto insurer needs to either hire more people on their claims line or bite the bullet and hire a call center(s)

I was in an accident earlier today where I was driving 30 mph down a residential street. As soon as I started driving past this person’s driveway, I saw them speeding out the driveway facing forward and about to hit me. I blew my horn but it was too late. They hit me and pinned my driver door shut. Huge dent and huge scrape along both driver side doors. Cannot open the driver door or operate the window. Back hurts the worse, neck and head hurt too but not as bad as my back. Police were called, and we made a report. I’ve been at the hospital all evening. Is there any way they can try and lie their way out of this? I don’t think so but I feel like they were trying to come up with a way to make me somehow partially at fault. They didn’t lurch out until I was already passing their driveway so it’s not like I could’ve saw them and slowed down at all.

Should I go through a law firm or handle the claim myself through their insurance? They have geico. I have only liability insurance right now unfortunately. My car is paid off.

So technically this isn’t a “low” payout. I live in Alaska though where the price of vehicles is much higher. Insurance offered me $6300 for a 2008 dodge ram 1500 Laramie 180k. Now that may not seem low to some but vehicles of that same caliber in this state go for easily 10k but more around 16-20k in the conditions mine was in for generally more miles. Now both of my mom’s trucks were stolen when I was younger and they could not find comparable vehicles. So they tacked on roughly 2-4k for shipping adjustment value. When my insurance (USAA) valued my total loss. They stated they couldn’t find comparable vehicles so they simply called a dealer, gave them the information and specs, and asked how much a dealer would price the vehicle at. However I assume they chose two of the lowest payouts because I have roughly 20-30 dealerships in my city and they used a scummy low rank one and one dealership 300 miles away in a much smaller town. What is the best way to go about combatting this and getting a higher payout?

So I got into an accident about a month ago. Yes, I was at fault. Information was exchanged and insurance contacted. Fast forward to now, I received an affidavit from my insurance (progressive) saying that the other party lawyered up and that the other parties lawyer is asking for this information. They're asking if I have any other insurance and also my assets. I dont have assets like that. Just my car and whatever money is on my bank account. Mind you the accident was very minor left literally no visible damage on her car just a small little dent but she's claiming bodily injury. I'm surprised that things are being taken this far but here I am. My question is do I sign the affidavit and send back considering that it came from my own insurance saying that the other parties lawyer is requesting it?

Who's got some experiences to tell?

Looking for some perspective from Texas adjusters or attorneys or anyone who has been in a similar situation.

I was involved in an auto accident in Houston a few months back. Liability was evaluated 100% against me (I was issued a citation for running a yellow/red light, vehicle was totaled). Nobody was hospitalized at the scene.

The claimant is represented by a law firm that had an initial demand of $1 million, the current demand on paper is $250,000.

My insurance bodily injury liability limit is $50k per person / $100k per accident.

My insurance offered about $20k to settle. They broke down the claimant's medical bills to me, which total around $40,000. The adjuster noted heavy medical inflation (no ER visit, a 3-day treatment delay, a $10k concussion test, a $7k MRI billed through a chiropractic/neurology network).

My insurance sent me a letter this morning stating they haven't reached a settlement and that a lawsuit is likely being filed. In fact, it looks like they have already filed the suit according to my insurance on the phone, though I haven't been formally served with papers yet.

I am stressed out. If this goes past the $50k limit, what is my actual real-world risk for me? Could the law firm actually push to a jury trial over a possibly inflated $42k medical bill when my policy caps out at $50k? If my insurance keeps digging their heels in at $18k and refuses to tender the policy limits, does the Stowers doctrine protect me if a jury goes wild?

Basically want to understand my personal risk of having to pay any of that out of pocket. I just want to know if my personal finances/savings are actually in danger here or if this is just standard corporate posturing between the insurer and a billboard firm. Thanks.

both were talking trash against the other, and both were right about the other.

towing was doing anything he could to hold onto the car, and insurance just expected me to do everything to get it out for them.

i managed to do that idk who paid for 2 weeks of storage, while my field adjuster went on vacation, i had to deal with someone else who had a completely different attitude and telling me it's coming out of payout if its there any longer. i laughed in his face.

talked to owner of tow truck company after hearing plenty of bullshit - he needed the exact driver coming from the co-parts even though its been always the same and only guy and truck that deals with him - as told me directly by coparts.

he promised me my license plates, geico promised me my license plates and told me they put in a request for the plates, no problem i'll get them in a week or two. three weeks later i call back the field adjuster, who tells me the plates have been destroyed.

great, now i can't reuse my plates, i have to pay the registration fee on another car, instead of reusing my plates for very cheap re-registration fee,

oh and the car that hit me works for car rental company that does uber or some ride sharing, and they want to contest my "not at fault" and i'm not sure the case is over. i'm expecting the unexpected, and annoyed.

I’m a Connecticut homeowner looking for advice from anyone who has dealt with a public adjuster dispute or a complaint with the Connecticut Department of Insurance. I filed an insurance claim for wind damage to my roof, and my insurance company approved payment toward the roof replacement. During the process, I was introduced to a public adjuster through a roofing company and felt pressured into signing a public adjuster agreement because I was led to believe this was the way I needed to proceed with getting my roof replaced. I had concerns about how the agreement was presented, the communication throughout the process, the fees being demanded, and the conditions attached to the adjuster’s offer to mutually terminate our agreement. At one point, I was told that a mutual release would only be considered if I signed a roofing contract with a particular company and paid a deposit to them immediately. I did not feel comfortable with those conditions and requested termination of the relationship.

The situation has now left my roof replacement in limbo. Although the insurance company issued payments, which I have not cashed, the dispute with the public adjuster has complicated the process of moving forward. The adjuster has maintained that his agreement remains valid and has continued communicating with my insurance company despite my request that he stop assisting with my claim. I filed a complaint with the Connecticut Department of Insurance because I believed the circumstances surrounding the agreement, the pressure I experienced, and the adjuster’s conduct warranted review. However, the DOI is indicating that it found no wrongdoing by the public adjuster. I’m trying to understand whether I have any other options, including whether the agreement’s enforceability, the circumstances under which it was signed, the fee being demanded, or the adjuster’s conduct could be reviewed by another authority. Has anyone in Connecticut experienced something similar, challenged a public adjuster agreement, or successfully obtained an independent review? I’m not looking to avoid paying legitimate fees for services actually provided; I simply want a fair resolution, to understand my rights, and to finally get my roof replaced. Any advice or recommendations for a Connecticut attorney experienced in insurance claims or public adjuster disputes would be greatly appreciated.

Our family has been paying for Traveler's insurance for home and auto for years. We've never needed to use it, thank goodness, because apparently it's not actually valid.

Went to the DMV today for my son to have his driver's test and they wanted proof of insurance. I gave them what I have - which is digital - which the company claims is valid. The DMV disagrees and says that the digital version is missing information they need to validate it. So then I try to call the company to get help using the phone number in the Traveler's app and the number routes me to a different company called Goosehead. Goosehead had no record of our policy using the policy number, or my name or address or email address or phone number. Eventually, I was able to use my husband's email as an entry point and validate from there, but it took a LONG time. But the problems didn't end there.

Next, they say they are going to email me copies of the cards. I get the email, print the cards and as Im cutting them out I notice that they say that they aren't valid unless there is a watermark on them - which of course they can't have since they are printed. They also sent me a copy of our homeowners policy and it is just a blank form.

So I call the company back, focusing on the auto insurance cards for now, and they act like it is bizarre that I want physical cards but they claim they will send them... in their sweet time. They refuse to expedite. Say it's impossible. I need them by Monday, so I try to go further up the chain. I'm told that management will only do callbacks and there is a 3 day wait to get a callback and I am assured that it won't matter anyway because they wont actually help me. This is their standard policy.

Eventually, I get transfered to their "resolution department" and end up in the hell that is eternal hold with glitchy repetitive digital "music".

I'm still there. It's been hours. I'd hate to think what would happen if we actually needed to file a claim.

So, BUYER BEWARE. Avoid Traveler's Home and Auto Insurance no matter the deal you think you are getting. At this point, it feels like a total scam and that we've been paying them thousands of dollars for years and not actually had real valid insurance all this time.

Pretty sure their strategy is to just leave me on hold until I give up or the call drops.

Edit: I went on the Traveler's app and the website, and I consulted with my CS expert son to make sure I wasn't missing anything - there are no digital cards available with the proper info on them, and no printable ones either. I also spoke to both Goosehead and also Traveler's. Goosehead sent me the fake cards that say they aren't valid without the watermark. Traveler's refused to send me physical cards in a timely fashion. They also emailed me cards, which look different from the ones Goosehead sent and don't say they are invalid without the watermark - but again, they failed to send me a card for the car I was calling about. AND they also supposedly sent me a copy of our home policy and IT WAS A BLANK FORM!!!!!

I currently work as an Account Executive for a Wholesale Insurance Broker in the Nashville, TN area. I'm looking to move to Boston and am curious what a good salary is for a similar position there. I've been in insurance for a little over 2.5 years and have about 10 months in my current role. My expertise is in Professional Lines and I do have my P&C license but don't work on Property or Casualty. Any help is appreciated!

My vehicle was hit overnight while parked the next day I noticed the damage and searched the apartment complex for another vehicle who might have damage. Luckily there was a fluid trail that led me from my vehicle straight to theirs I called the cops and they got into contact with them we exchanged info ect then when filing the claim I guess he reported it stolen.(it was not stolen he had the keys to the vehicle) and now his insurance isn’t investigating the matter and is saying they cannot get into contact with him. What should I do? Is there a possibility that he somehow gets out of this? It’s been over 2 months since the incident.

I was in accident a couple days ago, the front bumper of my car got scratched up pretty bad, I called the cops, we exchanged insurance and I asked for a police report. The police determined the other driver was at fault due to them driving into oncoming traffic. Now this is my first time ever having to file an accident. I was told to file through the at fault’s insurance company so they can pay for the damages but I wanted to know should I also file through mine. I know if I do I’ll have to pay the deductible for collision and so my car can get repaired faster and in my state rates don’t go up if you’re not at fault. Should I let my insurance company know in case the adjuster calls me asking me for my statement? I know that it’s best to tell them that I’m not comfortable being recorded and what not but if my insurance isn’t involved what does the process look like?

Got into a very odd, minor accident a few days ago and wondering if anyone has gone through something similar.

I (F26) was driving alone in the middle lane of a highway around 11:30pm, when a car comes up driving in the lane to my right going maybe 5-10mph faster than me. As soon as they became parallel with my car, they veered into my lane and hit all along the passenger side of my car for a good few seconds. I was able to stay pretty steady as it was not a hard jolt, more of a firm nudge. As soon as it happened I thought it was odd because they didn’t overcorrect immediately, they continued to veer into me for a couple of seconds before braking. I’m not saying it was intentional, but.. it seemed odd to me.

I braked slowly and pulled forward and to the shoulder. The other car started smoking a bit (maybe from braking or from tire damage, I’m not sure) and pulled over as well. I got out immediately and two middle aged men had already gotten out of the other car and were taking photos of my car, then theirs. They were walking around, non injured. I asked for their information and they responded in Spanish saying they don’t speak English. One of them pulled out his phone and used a translator app to say “my friend in the car is hurt.” My first thought was literally that he was saying they needed to get going because they were on the way to a hospital or something.. not that he was hurt from the collision. That’s how minor it was. There was no jolt or major impact. They asked me to call the police and I did, but because we were in New York they only respond to crashes with injuries and non injuries are just handled through insurance and DMV reports. At this point the third friend gets out of the car holding his shoulder and limping quite significantly. I told the operator and then asked the friend if he needed an ambulance, to which he said “maybe…” then said “no, no, I am ok.” I continue using translators to communicate with them briefly just to explain what the police said and exchange information. I took some very poor quality photos of the cars (it was dark and dangerous on the side of a very busy highway)

While this is happening a tow truck pulled over and the man checked if we were able to drive the cars still, we were, and then I left.

Two days later I get a call from my insurance asking about what happened and they tell me the other car made a claim with them, saying that I changed lanes into their car, and that all 3 of them have injuries. I almost laughed out loud. Obviously my insurance is denying them, but now I’m concerned that if they somehow find me at fault or if this settles as 50/50, my premium will go up.

I do feel that the damage is pretty damning for them, as their car only has a ripped off side mirror and a a scuff and dent on the front drivers side bumper/wheel area. My car has their paint and scratches all the way down the side, a significant impression all around the front wheel well where the paint has buckled and chipped, the front bumper is detached slightly on one side, and my front passenger hubcap came off completely and the tire itself is extremely scraped up.

Advice appreciated on what I should do next or how you think this will go. All i’ve done so far is explain the crash to my insurance, and file a report with the DMV (required by NY law)

Hey everyone, looking for NJ-specific insurance advice.

I was rear-ended in NJ and went through my own insurance. Both companies agreed I was 100% not at fault, so my deductible was waived. The collision center just finished the repairs, which totaled about $12,000.

The car is a CPO 2023 with under 20k miles. I bought it 100% cash just 3 weeks before the crash.

Today, the other person’s insurance company dropped a bomb: their driver did not have active coverage at the time of the accident, so they are denying the claim.

A $12k accident history is going to tank the resale value of a car I owned for less than a month. Since the driver is uninsured, can I file a Diminished Value claim under my own Uninsured Motorist Property Damage (UMPD) coverage?

I know NJ allows UMPD for property damage, but does it cover DV? Or am I stuck suing an uninsured driver in small claims court? (I know, I know … “Good luck with that!”)

Thanks!

i pay AAA about $1420 a year for 3, 3/12, brick in nice FTW neigborhood....my friends pays AAA abut $3500 for practically the same house in Norht Dallas...what gives.