Over the last year, I have been applying to every UW position I thought I possibly had a chance for. Countless applications, 3 interviews, and finally an offer.

I'm super excited!!

Happy Thursday everyone!

My wife and I were hurt in an accident in December of last year. A guy in uniform for a pest control company driving in the company car t-boned us at about 35 mph after running a red light. Dash cam got the accident and there's clear liability. My understanding is that they have an insurance limit of at least a million dollars.

Both my wife and I were hurt pretty badly and have had a very difficult year as a result. My neck MRI showed three herniations and an annular tear all a different levels, and she had a couple herniations including a big one that touched her spinal cord but thankfully no signal change in the cord. We both have very bad neck pain that goes into our left shoulder and she has pain down her left arm into her index finger and I have the same thing into my left ring and pinky fingers with those fingers and that side of my hand being numb. I'm also left-handed.

Both of us have been going to physical therapy and seeing an interventional pain management specialist. We both have gotten two steroid injections in our necks, and rfa, and then a stem cell/prp injection. We've gotten maybe 50% better but it's hard to say if it's because of the injections or just time. We're still having a really hard time, not sleeping, taking care of chores at home is....really hard and we can't or I guess don't really go anywhere like we used to. We used to love riding roller coasters together and going to parks but that's pretty much out for now. We're just exhausted and trying to help each other but when you're both hurt it's demoralizing.

My wife just saw a neurosurgeon who wants to do a disc replacement. We never would have even entertained the idea of doing surgery before but at this point we just want anything that's going to help. I don't know if my lesions are surgical or not because I haven't seen the neurosurgeon yet.

All of our friends and family are screaming at us to get a lawyer but the way I see it, if the insurance is fair to us do we need one? The only real communication we had with them was in the beginning when they offered us like $5,000 each for our injuries and we told them that we would get back to them after we're finished treating.

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 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.

I'm bidding a job as a software dev. It's silly. The requirements are that I need a $1M vehicle policy, even though I'm in GA, the county is on the other side of America. I don't have a car, only scooters and motorcycles.

I know it's silly, but can I just put the $1M policy on the scooter so I can qualify for the contract? The bid is due today and I haven't been able to get confirmation that I would not need the policy, and I have not yet gotten a quote. So I'm wondering if that's something even possible.

Has anyone done something silly like this before to qualify to bid a job?

I recently moved to the United States as a US citizen that has lived abroad her whole life. I just purchased my first vehicle and I’m waiting for the car to be delivered to me, in the meantime I’m looking for auto insurance, getting quotes…

I’m staying with my aunt and her husband and they refuse to be on the part where they ask about other household members. I know lying is fraud in this case and I need auto insurance to drive so what do I do? How do I approach getting car insurance for the first time with this obstacle?

They are really stubborn and I tried explaining it doesn’t risk anything. For context they are retired and living off social security and are constantly tripping out about this stuff.

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.

Help! Im 30 weeks pregnant and still have not figured out how to go about getting coverage for my baby. My husband and I are both young enough to be on our parents health insurance (my family has free insurance through my moms work so I’ve stayed on it because it costs us nothing). I do not work full time so I can’t be covered by my employer but my current insurance is willing to cover my pregnancy expenses. My husband has a great job that pays well but they do not offer any benefits (hence why he’s stayed on his parents). If possible we would love for him to find coverage and add the baby under him (so my coverage can stay free) but every company we’ve talked to has said they will not take us on while I’m pregnant and we can’t apply until 30 days after the baby gets here. I thought we only had 30 days to apply, so it feels like we have no options? I’m due in the middle of December so I don’t know how the new year affects what we are able to apply for. I’m very unfamiliar with how applying for insurance works and would love any advice I can get! Please be kind - these pregnancy hormones are hitting hard! TIA!!

Got rear ended August 13th, took a while(a bit over 2 weeks and had to call the company phone and get leave a vm and her manager called me before i even spoke to her)for the adjuster to get back to me after I got her information from the trucking company. Took a while for them to send an estimator(Sept 19th was the day we were able to schedule her to look at it).

And was waiting for a response from the estimator or adjuster and nothing. Called and left a vm for the adjuster Oct 1st and didn't receive anything back, got sick the next week and didn't even try. Called Oct 12th and adjusters number went to a machine that said she would be back July 6th, 2025(this is 2026 so very old), ended up calling and leaving a vm for her manager. He called me the next day and said it was repairable and that the adjuster should be in the next day and then I can schedule the rental and the collision place I will be dropping it off at. Got a call maybe 3 hours later from the adjuster(her manager said she was out on pto) and she says they are totaling it and they scheduled pickup for Oct 21st. I asked for all estimates on repairs breakdown and such but she said the total department handles that and she can't give it out. Called my aunt who has worked for AAA for 15ish years, she said it's weird and to ask for repair estimate, what they value my car at, what their offer is and the salvage amount. I also messaged the estimator that was used and she called me today and I told her about it and she said it was weird as she wrote is as repairable but had gotten a call from her boss to rewrite it as totalled and to make sure all the paperwork is to a T.

I sent an email saying I will not be releasing the car until I receive all info and the adjuster sent an email just saying again the car is totalled, I would have to speak with the total department for everything and that "Again, the vehicle is not scheduled for pickup until 10/21 to allow time for the file to be reassigned to a total loss adjuster to discuss the settlement offer with you. You can also discuss your request to keep the damaged vehicle with the total loss adjuster." Which without having an offer even discussed how do you schedule pickup for 6 days away.

It is a 2014 bmw 328i gran tursimo(liftgate hatchback like the wagon but almost a foot longer)

I originally crashed my car into a median August 29th early morning due to low vision and visibility on the back roads I was on. It took my adjuster 3 weeks to get my car arranged a tow to a repair shop from the tow yard it was moved to that morning as my vehicle is disabled. They already established coverage for the incident; he called me a day prior to him going on vacation for 2 weeks which lead to me not being able to get ahold of him and I also was not able to get ahold of his supervisor as I was constantly sent to voicemail regardless of what day or time I called, I even communicated what times i’m available as I work overnight in the ICU but still constant delays.

Now that my car is at the shop I still have not been kept up to date with anything and it’s now reaching 3 weeks; no estimate on the repairs or whether or not they’d total my car as the shop did say the damage I caused was severe “ axle, suspension, alignment, etc” but now i’m to the point i’ve spent up to 600 a month on uber’s.

I work full time and are a pre-nursing student as well so not only am I paying for my car payment and insurance but also uber’s on top which as depleted my savings account. I’m to the point I’m considering getting a second car payment because at this point the ride shares are equivalent to the cost. I keep getting told not to make an impulsive decision but I’ve sat on this for a couple weeks now and I feel like i’m being forced to make a decision due to my circumstances.

I’m going to attempt to get ahold whoever can help me 2-3 more times in the next few days if i’m getting hit with the same wall I will just get a second vehicle.

I just need some honest advice on whether or not i’m not seeing all my options clearly as this situation has stressed me out for the last 6-7 weeks.

Hi everyone,

​Looking for some general advice on navigating a motor insurance claim, as this is my first time experiencing an accident like this and going through the insurance process.

​What happened:

Recently, the main MCB at my house caught fire. The fire spread to my EV charger's wall mount and the charger itself. As a result, the wall mount is half-burnt and completely unusable, and the charger cable has clearly melted in a few places.

​Current status:

My vehicle and the burnt components are at the authorized workshop, the documents are uploaded, and I am currently at the stage where Zuno has appointed a surveyor to inspect the claim.

​Looking for your overall opinions and advice:

​Since this is my first time dealing with an insurance claim, how does the surveyor evaluation usually go, and what should I keep in mind at this stage?

​How do insurers generally view claims involving fire damage to EV charging equipment?

​Has anyone here dealt with Zuno for a claim before, and how was your overall experience with their approval process?

​Appreciate any straightforward advice on how to handle this process properly.

Im from the states(georgia) and i was travelling in British Columbia Canada with a camper on my truck. I was involved in a collision with an uninsured motorist who was at fault. I have progressive insurance. Once i made a claim and got an adjuster, they had the truck towed from the tow yard straight to an auction yard to store the truck. They had a 3rd party appraiser come out, look at the truck and deemed it a total loss pretty quickly. They valued my truck pretty low and now im losing my truck and my camper and all the mods i have on the truck. My question: is there a way i can make my insurance tow my truck back to my home in georgia so i can remove my camper and all my mods?

I was living in the camper and travelling the country and when they towed my truck away i had to sleep in a tent for 14 days and then a hostel.

Also before my adjuster sent someone out to grab my truck, he was trying to get me to find a tow truck to take it to a body shop to get an estimate. But every shop i called in the area would not take any non drivable vehicles. And my adjuster gave me NO help trying to get it towed to the states. I was on my own.

I have NOT agreed to a settlement yet.

I also think they should have fixed my truck instead of totaling it.

Its a super nice 2018 ram 3500 dually diesel with 121k miles

I was driving straight in the far-left lane when a woman pulled out from a stop sign, skipped the right lane, and entered mine, causing a collision with the front passenger side of my car.

She admitted she “didn’t see me,” and both she and her daughter, who witnessed the accident, admitted she was at fault. They offered me $3,000 on the spot, which I refused, and didn’t want me calling the police. I reported it afterward.

I later found out her insurance wasn’t active, which explains why they may have offered cash.
Insurance is still determining fault. Based on this situation, who do you think is liable, i’m asking this because I asked my insurance agent and she said that they would need to see who’s liable, and they would need to check the lane changing laws. and how I explained it kind of threw them off because I said I hit her, explaining it from my perspective, but she came into contact with my car, which caused it because she improperly yield from a stop sign, skip the right lane, and entered immediately in one motion straight to lane one as I was already traveling** **

WA state

Thanks <3

I’m looking for practical UK advice about progressing a lost-phone claim through Barclays Tech Pack, administered by Likewize. I have banked with Barclays for 11 years and paid for Tech Pack for approximately five years.

I lost my iPhone 16 Pro Max on 6 October 2026.

There was initially considerable back-and-forth getting the documents from O2. Some earlier documents were rejected by Likewize, and I repeatedly contacted O2 about the information provided, SIM blocking and device barring. I then gathered the evidence again and submitted a fresh bundle on 10 October at 23:52, including:

• The original O2 proof-of-usage email and letter identifying the phone’s IMEI and my mobile number.
• Separate O2 IMEI-barring confirmation and supporting chat correspondence, plus independent blacklist-check screenshots.
• Argos purchase evidence.
• Immobilise registration.
• Apple screenshots showing the device details, Find My enabled and Lost Mode requested/pending while the device was offline.

The O2 usage letter lists first use in November 2024 and last use on 6 October 2026, the day the phone was lost. I supplied separate evidence for usage and barring.

My Argos receipt does not contain the IMEI, and I no longer have the packaging. I physically visited Argos and obtained photographs of their system showing the transaction and phone details, but staff could not provide the old IMEI record. Likewize had previously told me network proof of usage was an acceptable alternative where the purchase evidence lacked the IMEI, so I supplied that.

Their guidance said documents would be reviewed within two working days. On 13 October, I received an email saying they had tried unsuccessfully to contact me and asking me to telephone their validation team. It did not identify any outstanding document or explain what further information was needed.

I replied explaining that I had no working phone or SIM available and was willing to answer questions in writing.

On 15 October, they replied: “Until we have spoken to you over the phone, the claim will remain on hold.”

I then borrowed a phone and called their specified number at 16:44, within their stated opening hours. I stayed on hold for 1 hour 13 minutes. The announcements repeatedly stated queue position 19 and asked me to remain connected. Nobody answered, and I eventually ended the call. I have a call-history photo and retained a recording.

I have now emailed them about the failed call, copied their Customer Relations team and requested a manager’s review. I said I would try to borrow a phone again tomorrow, but that depends on other people being available.

Being without my own phone is preventing access to several banking and other accounts requiring 2FA, disrupting important ongoing complaint cases and making contact with my family abroad difficult. It is causing considerable stress.

I emailed Barclays a complaint on 13 October and have not received an acknowledgement. Today’s large update bounced because of its size, so I resent a smaller email with two supporting images. Registration of the Barclays complaint is still unconfirmed.

I understand that further validation may be necessary and remain willing to cooperate. I need a practical way to complete it and clear information about what remains outstanding.

What practical steps can I take to obtain an agreed validation appointment or another workable method, and get the service complaint properly registered and investigated?

Looking for insight from claims adjusters on a multi-car accident involving my car here in SoCal. My boyfriend was driving.

The official police report lists the front two cars as completely "stopped" dead in the lane, and lists my boyfriend as "slowing / stopping" right before the impact. The crash flipped my SUV onto its side and totaled it. My insurance company sent a letter defaulting us at 51% fault simply because it’s a rear-end collision.

The situation is a bit complicated because traffic was stopping and going periodically due to a nearby freeway closure that was forcing everyone to pack into the upcoming exits. There was a wide-open, empty asphalt shoulder right next to the lane, but the front cars stayed stopped dead in the active lane of traffic instead of pulling over.

On top of that, the police report lists a front vehicle that was allegedly towed, but neither my boyfriend nor I ever saw this car at the scene. We suspect the front two cars had a separate fender bender before my boyfriend arrived, and now that front car is trying to claim against my policy. To make things weirder, a fourth car violently spun out into the fence right behind us trying to avoid the sudden roadblock, though she didn't hit any of the other vehicles.

My boyfriend has an attorney handling his injury side, but I only have 30 days to request a reconsideration on the 51% fault letter to protect my own policy and rates.

Realistically, does periodic stop-and-go traffic mixed with the fact that the report notes my driver was actively "slowing/stopping" help lower the fault percentage? How do adjusters investigate a timeline like this to verify if there was a prior accident? Thanks.

I am a teacher and want to teach my students about how life insurance works. Term insurance is easy but whole-life seems like it has a lot of variables (not variable-life ha ha). I have tried to ask agents these questions but they want to turn around and sell me insurance or come into my classroom to shill to my students.

With a whole life policy, when you die you get the death benefit but the insurance company keeps the death benefit, correct? Is there anything stopping me from taking the cash value out when I retire? If not, would I continue contributing to the cash-value with later payments?

How much of the premium goes into the cash-value fund? I assume it is a percent ... even if it is "on average" that is good enough for what I need.

What is a reasonable interest rate to expect for the cash-value account averaged over the long term? And is it true no money actually goes into the account the first 2-3 years due to fees and whatnot?

Wondering what your opinions on the best carriers for progression? Focusing on P&C, but most carriers have both. Not only workload, but authority, pay, progression, etc. Currently a junior field UW and wondering if switching around is still the norm.

Hi everyone, looking for professional advice from adjusters and experienced landlords.

My house is a 1,200 sqft single-story SFH in North Carolina (built in 1997). It's currently a rental property with a tenant inside, managed by a property manager. it's covered under a landlord policy ($5000 deductible).

Two days ago, minor moisture was spotted in the garage. Overnight, water surfaced through the concrete slab into the interior, ruining the laminate flooring throughout the entire house. A licensed plumber found two cracked CPVC fittings on the main water line beneath the slab. The plumber has already completed the spot repair and transitioned the broken underground section from CPVC to PEX. He informally mentioned that the leak might have been happening for over a month.

In a panic right after water shut-off, I immediately called insurance company to file a claim. Only afterwards did I learn that simply reporting a water claim creates a record, which can spike premiums or cause a non-renewal, even if the payout is $0.

The quotes I got for water damage restoration range from $4500 to $8000 (repairing dry wall cuts and replacing all laminate flooring not included).

If the adjuster investigates and concludes this was "continuous seepage/leakage", the claim will likely be denied. That would leave me in the worst-case scenario: $0 payout + a denied water claim on record + upcoming rate hikes / non-renewal risk.

Questions:

1. Given the CPVC fitting failure and suspected 1-month duration under the slab, what are the realistic chances of coverage for the resulting flooring damage?
2. Since the claim is already filed in the system, does withdrawing it (zero payout / withdrawn by insured) actually help mitigate underwriting penalties compared to letting it proceed?
3. If you were in my shoes, would you bite the bullet and pay for the flooring out-of-pocket and withdraw the claim, or push forward and try to get the resulting damage covered?

Truly appreciate any insights from adjusters or agents. Thank you!

Hi, I have Allstate homeowners insurance for six years now in our home recently the HVAC unit sprung a leak. I discovered that one of the PVC joints had to come loose and fixed that myself. I have a dehumidifier that I’ve been running for a couple of weeks now to get the moisture out of the floor and that seem to have work but just today a puddle in that area re-emerge so there might be something over my head wrong with the HVAC unit anyway the vinyl flooring and maybe even the subfloor are ruined in that area and I will need the HVAC unit professionally repaired. is there anyone with experience in dealing with them that could give me some advice or pitfalls to look out for so that I do not end up with subpar repair work or just flat out getting denied? Thank you in advance. This really isn’t my wheelhouse. I’ve just heard some horror stories about homeowners insurance.

I’m going to explain this in the best way I possibly can. So I am 21 now, but when I freshly turned 20 a few things happened with my previous car and I had to buy a new one. I didn’t have enough credit history, nor a job, nor enough money to put a down payment on a car by myself. So my dad helped me out and we both put in on a car for me.
Anyways, the car is in his name. I was in a wreck about a week ago and hit a deer. Found out I wasn’t listed on my parents insurance. They told me that “anytime I got into a wreck/pulled over to say I’m borrowing the car”. Anyways, that day they told me to figure out the insurance myself to get a tow through road side assistance and turns out I wasn’t listed at all on the insurance, not even as “living in the household”. (My mom worked in insurance for 20 something years and knew this was wrong and are just cheapskates. I just don’t trust their word anymore on anything financially)
Anyways, insurance obviously isn’t covering the claim, just got called from them yesterday. They aren’t covering because I live in the household and I told them I use the car regularly. But I told my parents after this that i want the car in my name and to be able to have my own policy so that i can be sure that something like this never happens again. Is that possible? I’m sorry I know I’m a grown woman but nobody ever really taught me about insurance and how it works. My mom told me I’d have to have my own policy on theirs since the car is listed under my dads name, but is there any way to transfer it over to me if it isn’t paid off?? Here’s a list of questions I have with this situation:

1. Can I get the car transferred to my name now that I am employed for over a year, and have over a year of credit history. Will I have to refinance or can I not transfer a car if it isn’t paid off.
2. Can I transfer a car to my own policy if the car isn’t in my name.
3. Will my insurance be extremely high because I have never been listed on a policy before.
4. Long story short, I was kinda screwed over. I’ve been driving since I was 16, and had no idea I wasn’t fully insured. The car itself was insured, but my name was listed no where on the policy.

I'm very confused regarding insurance to cover liability.

I currently have a 2M personal liability policy. I now understand that this will cover an incidents related to my primary residence, and me personally while driving or boating, etc... Correct me if I'm wrong.

I also have 5 rental properties/investments that i also now understand that this current policy wont cover anything related to these properties. What type of insurance do i need to help cover liability for incidents related to any of these properties? I have mandated dwelling insurance on each (as most have mortgages) but dwelling insurance doesn't cover liability.

What is "landlord" insurance? Or a commercial liability policy? What other policy(s) do i need to protect myself with regards to the rentals?

I live in CA, rentals are in IN

TIA

I backed into a parked 2007 Corolla in a parking lot in California. Low speed, bumper damage, no injuries reported. I reported it to my insurance and filed the SR-1, but we'd like to pay out of pocket if the cost is reasonable.

The other driver took the car to a shop my insurance recommended(Kniesel’s Collision). They gave a verbal estimate of $1,500 to $2,000. A written estimate is coming next.

We agree on paying out of pocket. We disagree on the process.

Option A: (mine)
1. Get the written estimate
2. If it's under $2,000, we pay cash instead of using insurance
3. The shop fixes the car
4. The shop gives the final invoice
5. We sign a release with the car owner based on the final amount
6. We pay the shop directly

Option B: (husband)
1. Get the written estimate
2. Pay the exact amount on the written estimate directly to the driver
3. Sign the release
4. If the repair ends up costing more, we don't pay the difference

We also disagree on what a written estimate looks like. My husband thinks it will be an exact amount. I think it could still be a range, and that the final bill can change if the shop finds hidden damage once they take the bumper off.

Questions:
1. Which process makes more sense?
2. Is a written body shop estimate usually an exact number, or can it be a range or change later?
3. Is it better to pay the shop directly or pay the driver?
4. Would the other party realistically sign a release before the repair is done?
5. Anything we should include in the release? The driver isn't the registered owner. The owners are his parents.

Thanks!

Hi everyone,

I run an e-commerce micro-business based in Japan, exporting commercially packaged snack foods directly to consumers worldwide (i.e. any country other than Japan) via mail. I am not the manufacturer of these products; they are all manufactured by large, reputable companies. I am basically an online convenience store/supermarket. The ingredients are printed in Japanese on the packaging (as is required by law in Japan), and the expiration dates are usually anywhere from 1 month to 6 months.

• Sole-Proprietor
• Number of employees: 1 (myself)
  
• Insurance: Product Liability (Worldwide excluding Japan)
• Amount of time left on insurance: 5 months
• Extended Reporting Period: 60 days after the policy expiration (good for 5 years)

Recently, exporting from Japan to other countries is getting more and more complicated, time-consuming, and less profitable than before. Therefore, I am looking to close the business and want advice on whether or not I need tail insurance.

Gemini tells me that since I am not the manufacturer of the products and did not alter the packaging or contents (I just went out, bought the products from a store like a normal shopper, put them in a box, and shipped them off), I don't need extra tail insurance for when I close the business. However, I am one to get multiple opinions, so any advice or questions you have (in case I left out important details or didn't explain something very well) would be greatly appreciated!

Thank you!

recently got in rear end (my fault ik) and now I’m looking at getting it brought to a Lexus Certified collision center.

NC btw

pretty bad front end damage. no airbags though and the adjuster as well as myself are pretty sure the frame rails are good. def radiator and radiator mount need replacing.

car is a 2024 IS350 RWD fully loaded (LSD, Triple Beams, 360 Surround View, Nav w/Mark Lev, Power Sunshade, DHP, BBS)

damage estimate is currently $11.5k although I know it’ll go up after teardown. estimate was also all using aftermarket and refurbished parts.

Lexus certified collision centers only use OEM parts and I’m curious if Geico will even cover everything?

if not what’re my options?

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?