(We live in NC) My bf was with progressive and before he ended his insurance with them, he started with geico. We missed the first letter from the dmv due to being out of town and now this month he got another letter from them. Geico didn’t report his insurance and now there was a lapse. He called the dmv where they told him that, and they also informed him that his plate was revoked. What do we even do now because we both rely on this car to get to work and it’s not like we can just up and not go to work for multiple days on end, not with our bills and the Ubers are too expensive. I feel at a loss.

Hey all,

A friend of mine was driving to work this morning and got T boned by a school bus. No injuries thankfully, however the friend's truck took some good damage. Police were called, as well as insurance.

The friend in the truck was driving on a straight road (no stoplights or anything) and the bus pulled out of a parking lot and t boned their passenger side of their truck. This is in MN which I believe is a no fault state, but there is clearly some fault here.

The bus driver gave their company insurance information, however it is not a school owned bus. Seems like its a company contracted to run the school routes. There was a nearby bystander who saw the whole thing and gave his contact info because he wanted to be able to vouch for the bus was completely at fault if the need came up.

Oddly enough, when my friend eventually made it to work, one of their coworkers heard about the accident and mentioned they saw a wreckless driving bus recently but could not get a good picture of the company name on the bus, just the bus number. Turns out it was the same exact bus number as the one that hit the truck this morning. No saying whether it was the same driver or not, but my gut tells me it was.

Having never been involved with something like this, what would my friends next steps be? They've contacted their insurance and the truck will be going into the shop soon to evaluate the damage. They are still pretty shaken up hence me writing this to try to help gather some information and next steps. Do they just let their insurance handle it from here? Time to lawyer up? My concerns are two things: 1, although they feel fine now, I've heard injuries can start to pop up days after the event. 2, even in a no fault state, I have some concerns that they will still end up on the hook financially for something. Either the truck is totaled and they have to pay out of pocket for a new one less any payment from insurance, or deductible, or something.

We do plan on filing a complaint (even though we're not sure it'll go anywhere) with the company that runs this bus. Seems this driver may have a habit of reckless driving, which is super not OK especially if you have kids on board.

Definitely not looking for a quick payday here- just simply looking for some protection for any potential medical issues that arise, or financial costs incurred due to the accident. Friend does have full coverage with rental insurance, and I would have to imagine the company has some good insurance through their provider, so hopefully won't turn into an underinsured situation.

Again, this is new to us so just trying to make sure we do things by the book in the best way possible. Thanks!

My friend's 25 year old son is coming from the UK to NY for graduate school. He has a clean driving record in London but no US driving record and no credit score. Will his rates be 2x an average US driver or will carriers give him credit for years of driving? Any carriers that are a good fit for this type of risk? Thanks!

Hi, I had a couple questions regarding auto insurance claims. Towards the end of August my
Wife and two kids were on the freeway and were involved in a multi vehicle collision (she was rear ended by the at fault party and did not hit anyone else) this person also hit 3 other vehicles and all vehicles were totaled. Geico (their insurance) said it was going to be a policy limits problem more than likely with amount due exceeding their policy holders limits. We went ahead and filed with our insurance. We got our car totaled and accepted our insurance payout for the car value

How does pain and suffering claims work in a situation like this? When would we expect compensation for this? Would we expect our rates to go up?

Fast forward to today I was driving and someone wasn’t looking and shot out of the left hand turn only lane into the straight lane striking my car as I passed. This person has no insurance and was driving someone else’s car who they believed also did not have insurance on it. She also had her kid in the car and had a restricted license requiring her to have a blow and go In her car which she did not.

I filed with my insurance again. My back has gotten progressively sore throughout the day and was thinking about getting evaluated but I was hesitant because I’m sure it’s just muscle pain and I work as a nurse in the ER so I’d hate to be seen for something insignificant but also don’t want to let it slide in case there is any issues down the line. Do I file a pain and suffering claim in this case as well with my own insurance? My wife was also in the car as passenger.

Will my insurance drop us due to two claims so close together regardless if they weren’t our fault?

Hi everyone! I’ll be moving to Detroit, US for work soon, and I’m considering getting a Jeep Wrangler, preferably a two-door Sport.

I’m trying to figure out how much insurance would realistically cost me as a newcomer to the US. I won’t have an American credit history yet, and I’m not sure how insurers treat foreign driving experience.

For anyone who moved to the US from another country, especially Michigan:

How much were you paying for car insurance when you first arrived?

Did having no US credit or insurance history significantly increase your premium?

Were you able to use your foreign driving licence or driving record to get a better rate?

If you drive a Jeep Wrangler, how much do you pay monthly, and which insurer are you with?

Would you recommend getting full coverage or liability-only insurance as a newcomer? (I understand financing or leasing usually requires full coverage.)

I’m looking at both brand-new and relatively new used two-door Wranglers, so any real-world numbers would be incredibly helpful.

I’ve seen some pretty wild insurance estimates online for Detroit, and I’m trying to work out whether owning a Wrangler is financially realistic before committing to one.

If you’ve been in a similar situation, I’d really appreciate hearing about your experience, especially what you paid during your first year and whether your rates came down later.

Thanks!

I got hit by a car no serious injury just stiffness and back pain I’m just in here curious on potential payout, I’m currently going to physical therapy and buy the medications I need

I have a bunch of things wrong with me but I'm about to just let them all get worse and worse because I can't deal with one more copay. Its insane... Here is ONE thing Sleep apnea...

Copay to PCP.

Copay to speciailist.

Copay for followup of specialist visit.

Copay for getting tested for sleep apnea

Copay for followup with specialist

CoPay to see PCP again

And tell them about all the wonderful COPAYING I just did for help and now asking for anti anxiety and anti depression to deal with copaying stress. Fuck about to ask for the most expensive ass shit they can do for me just to fuck up insurance even more. Why not!
... IT NEVER ENDS. Why the hell can't they just say, yeah you got a sleep issue, lets not copay you into poverty while you deal with this issue?!?

And sorry lack of sleep for years makes people a little crazy. But this is America, probably other places as well but f this system.

I had the same insurance plan through my mortgage broker for 16 years now. When I bought my second house I just went with the same company for homeowners and bundled auto into it for a discount. Never had an issue or questions about my rates.

The last 5 years has seen my rates skyrocket. Both my auto and home have more than doubled during that time. Dummy me just kept paying it. I got my renewal email last week and noticed my auto insurance was at $478 per month ($5,700 premium). That’s for 2 cars, and two drivers, 1 accident and no tickets. My homeowners premium was $2,400 for a 90’s build two-story 2,200 sqf house.

So I started to shop around. Every single quote I got was around the same: $300 less a month. $174 for auto and $1100 for homeowners for the same auto coverage and better homeowners. How the hell do they get away with doing this to loyal customers?

My dad's 67, Canadian, and spent the last few years working in Michigan. Had a serious heart issue earlier this year, ended up hospitalized there and eventually moved back to Ontario to recover.

his travel insurer is refusing to cover the hospital bills, citing a pre-existing condition. We're looking at a ridiculous amount of money and honestly freaking out! IDK what to do but we don't have enough money to simply cover that...

Has anyone fought a denial like this?

So I am 22 I’ve never been in an accident, pulled over, or anything like that I’ve never even made a late payment on insurance but for some reason my bill has literally doubled. I wa spaying 160ish and now I pay over $300 and I’ve never made a claim on anything and my car is 24 years old I never took the bait with the car insurance deal where they make you pay a very small amount and the rest is insured prices can anybody help?

Edit: I also have liability and that’s it ( the state lowest aswell)

So long story short I want to get my daughter off my car insurance for a few reasons. I called them today and they said I can’t take her off until she get a new insurance plan. Can you not just cancel insurance? I’m in PA if that makes any difference. It seems crazy to me.

I got into a no-fault accident about 3 months ago and have only heard from lawyer once and haven’t been able to get in contact with them. Is this normal or should I try to get a new attorney. They also set me up with a shady physical therapy office that seems like they’re just copying stuff they’ve seen on Google. Whole thing seems a little sus but it’s my first time ever doing something like this.

Hi everyone!
I’m looking for recommendations for a reputable diminished value (DV) appraiser in the Austin, Texas area.

My 2026 Hyundai Tucson is only 8 months old and was recently rear-ended in an accident. Given how new the car is, I’m concerned that the accident history will significantly affect its resale or trade-in value, even after the repairs are completed.

For those who have filed a diminished value claim in Texas, I’d love to hear about your experience:
Which diminished value appraiser did you use, and would you recommend them?
How much did the appraisal cost?
What was the process like, and how long did it take?
Did the appraiser provide a detailed report with comparable vehicles and supporting data?
Were you able to negotiate a higher settlement with the at-fault driver’s insurance using the report?
Was the final payout worth the appraisal fee and effort?

I’m particularly interested in independent appraisers who prepare thorough, defensible reports rather than companies that simply promise a high payout.

If you’ve gone through this process with a relatively new vehicle, I’d especially appreciate hearing how it worked out for you.

Thanks in advance for sharing your recommendations and experiences!

I recently put 7k into a brand new engine and transmission being installed in my truck that had 200k miles. I always had full coverage for collision and “act of God” damages. However my current insurance would not cover the new engine or transmission but only the worth of the body of the truck, etc. I was wondering what ways there might be to get coverage for the worth of those two new parts if something destroyed them. Not if they fail or as they wear out, but if an unforeseen accident happens that totals the parts, you know? I only could find hagerty, which is sadly out of the question because this is my daily driver. I depend on it for work and my farm. I was thinking maybe there’s a way I could even separately insure just the engine, and just the transmission even. Just to cover what I recently put into it. I have receipts from the mechanic and receipts for the engine and transmission.

So I got into a car accident in April of this year, here’s a brief synopsis of what happened

A friend recommended me a lawyer and I learned that the at fault party has mid 6 figures for bodily injury coverage. The lawyer contacted that the adjuster and that’s what was disclosed to him. I’ve been going to PT for about 4 months now. The lawyer really wants to take my case and is adamant that it will be worthwhile. Anyone have experience with this? Just don’t want to get my hopes up.

He doesn’t get paid unless I do.

Hi. I was recently rear ended, and filed a claim through the persons insurance (progressive) and they have offered me a payout of x amount. The amount is likely not going to cover the needed repairs, because I have an Audi and would like to go through an Audi certified bodywork shop. I went to the shop this morning and they basically said I will have to pay the difference in labor costs, and Audi parts vs the after market parts progressive sourced. I have to accept the payout because I can’t get into this shop until December 3rd, and the claims manager said that’s what has to be done and then I reach back out to her when I take my car in and I think they will send someone out and see if they will cover the difference of the labor and parts? I don’t know. They won’t give me a lot of information and I just feel I’m at a loss. I did not cause the accident, so why am I responsible for putting the best parts on my car? Makes no sense. I cannot afford to be paying out of pocket anything, but I don’t want cheap after market parts on my car because I will have to trade it in at some point and I know it can decrease trade-in value. Any advice is appreciated.

I got into a car accident, had a blind spot on a curved road i was driving and didn’t see a car was completely stopped till it was too late. Police came in filed a report, my insurance kinda fucked me cuz they canceled on me a month prior for some id thing that honestly made no sense to me and ailed to reach out to me properly which that is its own story in itself. But long story short i got a ticket for no insurance and am gonna have to pay for it on my own. Fast forward i go to court for the ticket and get it waived,and I’ve gotten a text from state farm (other persons insurance) giving me the claim number and link showing the process of the situation from the investigation, etc. investigation was done obviously i was at fault and moved on to the next step. Kept checking on it waiting for someone to get in contact w me waiting for the bill and nothing now when i try to line the claim no the site it just takes me to the homepage. Been a couple month now and not to sure what to do still haven’t heard nothing from them. I want to call to get an update but everyone around me tells me not to in case i set myself up. But its like they have all my information hey have a police report and just silent and im worried if i just keep waiting maybe it’ll make the situation worse by saying im not complying or what not if they’re not properly reaching out to me. Obviously the whole reason I don’t have insurance to help with this is because they failed to properly reaching out to me so i guess im just looking for advice from people i feel like it’s better to just call atleast to have a peace of mind but it feels like everyone is telling me its not a good idea. Especially for how long it’s taken already for what it was, it was obviously a rearend hit but not like something super big im just confused about the whole situation this is my first accident

Hi,

There was a hail storm around my area couple months ago. My roofer suggested that I file an insurance claim for hail damage. I'm considering it but want to get an informal honest opinion from an independent adjuster (IA) before filing a claim instead of just taking the words of the roofer who wants to sell his service. Where to find a good IA? ChatGPT recommended that I post this job in IA facebook group. I think that's too random and I might get a crappy IA. I asked around my friends and nobody has any info. So, I ended up here. Please share your thoughts/opinions. Thanks.

I was in an accident with another driver 2 days ago. They cut me off/merged into my lane then immediately braked bc they saw a puddle in the road, and I had no space so I rear ended them. It all happened in 2 seconds.

For insurance, my father had my car insured and the liability slip he gave me said it’s good until March, and he told me that until then, I’m good. And after that, then I’ll have to get my own. He took my car off his insurance at the start of the month and didn’t tell me. I wasn’t notified by email or at all, by anyone that my car was uninsured, as he told me he prepaid for the whole term. I don’t know what to do. I’m only insured under his car now, which I don’t even drive. And I wasn’t notified in any way. What will happen now? What do I do? I’m freaking out. Can I sue my father? Will I lose my license over this? How can I solve this.

Hey everyone,

I’m graduating soon with a bachelor’s in Finance and looking to build a long-term career in P&C insurance. Ideally, I’d like to start in claims and eventually move into underwriting.

I have about 1.5 years of retail banking experience and a year of Medicare insurance sales, but I didn’t enjoy the sales side of things.

I’m in Tampa, which has a pretty big insurance presence, but I’ve been struggling to get my foot in the door at companies like Allstate, State Farm, Brown & Brown, etc.

I’ve considered GEICO, but after reading through their subreddit, I’m a little hesitant.

For those in the industry, what companies or entry-level positions would you recommend? Is claims a good starting point if underwriting is my long-term goal?

I’m mainly looking for somewhere I can learn, grow, and build a solid career. Any advice is appreciated!

I have almost 2 years of experience in insurance sales and an associate in international studies. I have an active p&c and life & health license. A few years from now, I want to be a commercial underwriter, should I aim for a commercial account manager job or personal lines underwriting job and work my way up?

Hoping someone has some good information. I'm in northern Illinois and got hit a month and a half ago with some bad hail storms. Got up on the roof a few weeks back and the shingle damage was pretty bad, although all were still intact, the granules on a lot of them were missing towards the edges. Last week I had a reputable local roofer out who confirmed hail damage and gave me a quote for a full replacement. I'm currently looking to get two other quotes, but the first quote was within what I expected the cost to be (Nearly $20k). My roof is noted on my insurance policy as 11 years old and last year was transitioned to ACV.

My real question is this, is this worth filing a claim for? I tried talking to my insurance agent to see what the ACV might be and I they told me I couldn't get that information unless I filed a claim and an adjuster came out, but shouldn't they know the lifespan of the roof so at least I can have some idea of the cost that they will cover? It almost seemed like my insurance rep was trying to get me to NOT file a claim based on my phone call. It seems like a gamble as to how much they will cover and I won't know unless I file a claim. I do have a high deductible, so to me this is a math problem that I'm missing a variable for, that nobody will give me.

Just looking to see if anyone has any insights.

I just had to make a claim with Allstate for a ONN 50 inch 4K TV that I purchased back during a Black Friday sale in 2023. I have the 4 year protection so it's good until 11/27.

The TV under warranty has refused to turn on for the past couple of weeks so I went ahead and filed a claim.

Well their coming back with two options: Option A replace the TV or Option B reimburse me for the total purchase.

Well we know Option B is only going to get me a refund that is a lot less than a new 50 inch 4K TV (unless I wait until Black Friday where I may get luck) The refund would only be about $200 including sales tax.

But Option A is where they are low balling me. They are offering a Hisense 40 inch 1080 TV as the exact replacement. Uhhh I don't think so.

I'm currently going back on email with them but I refuse to accept a TV that is smaller and has lower resolution as the best available replacement. What a joke.

Update: Just was told the price at the time of sale so I'm getting $148 ( I mistakenly read it as $178) with no sales tax. Got it for a buddy who is on a fix budget so I'm going to giv him the money and let him pick out a new one.

Hi everyone. I had my first at-fault accident today in Northern California and would like advice.

What happened

• I was at a stop sign in a shopping center parking lot. I backed up at low speed and hit the front corner of another car.
• No airbags. No one said they were hurt at the scene.
• The other driver had a passenger who looked like a minor.
• We exchanged licenses and insurance info.
• I already reported the accident to my insurer as a notice. I have a claim number, but no claim has been paid.

My insurance

• American Family Connect, California
• My car (2008 Infiniti G35) has liability only. No collision.
  • Bodily injury: 30/60
  • Property damage: 25k
  • Medical: 5k
  • UM bodily injury: 30/60
• I have the Good Driver discount. Clean record before this.

Damage

• Other car: 2007 Toyota Corolla S (insured with AAA). Front passenger side bumper cover is dented, and the paint cracked along the top edge. The lower part of the bumper near the fog light looks slightly pushed out of place. Headlight, fender, and hood look fine. The paint on the whole car was already faded and peeling before this.
• My car: rear passenger side bumper corner is dented with paint transfer. I have no collision and it’s an old car, so I’m not fixing it for now.
• The other driver is getting repair estimates this week. An AI photo tool estimated $1,050 to $1,950 for the Corolla.

My questions

1. If I use insurance, about how much would my premium go up in California? Would I lose the Good Driver discount?
2. Does reporting it as a notice only (no payout) affect my rates?
3. Should I pay out of pocket instead of using the insurance?
4. Since a minor was in the car, should I file an online police report just to document that no one was injured?

Thanks for any advice.

Hi everyone. I had my first at-fault accident today in Northern California and would like advice.

What happened

• I was at a stop sign in a shopping center parking lot. I backed up at low speed and hit the front corner of another car.
• No airbags. No one said they were hurt at the scene.
• The other driver had a passenger who looked like a minor.
• We exchanged licenses and insurance info.
• I already reported the accident to my insurer as a notice. I have a claim number, but no claim has been paid.

My insurance

• American Family Connect, California
• My car (2008 Infiniti G35) has liability only. No collision.
  • Bodily injury: 30/60
  • Property damage: 25k
  • Medical: 5k
  • UM bodily injury: 30/60
• I have the Good Driver discount. Clean record before this.

Damage

• Other car: 2007 Toyota Corolla S (insured with AAA). Front passenger side bumper cover is dented, and the paint cracked along the top edge. The lower part of the bumper near the fog light looks slightly pushed out of place. Headlight, fender, and hood look fine. The paint on the whole car was already faded and peeling before this.
• My car: rear passenger side bumper corner is dented with paint transfer. I have no collision and it’s an old car, so I’m not fixing it for now.
• The other driver is getting repair estimates this week. An AI photo tool estimated $1,050 to $1,950 for the Corolla.

My questions

1. If I use insurance, about how much would my premium go up in California? Would I lose the Good Driver discount?
2. Does reporting it as a notice only (no payout) affect my rates?
3. Should I pay out of pocket instead of using the insurance?
4. Since a minor was in the car, should I file an online police report just to document that no one was injured?

Thanks for any advice.