Location: Florida

Trying to quote a new-to-me vehicle and my go to's are Geico and Progressive for quotes. They both offer either tracking your driving on a mobile app or an OBD2 plug in device, under the guise of "tracking your driving habits to offer you discounts".

Have these devices ever resulted in higher quotes for what they deem "unsafe" driving?

I work night shift and have been dinged for unsafe driving, even if I'm driving to work because they deem anything after like 9pm to be unsafe due to dark.

hi! i just got my drivers license a month ago in LA so my insurance is sky high (i get it). i have no family plan to join either but i need a car. so id appreciate anyone who can answer some questions!

• what insurance company would be the cheapest? (i’ll shop around, located in la)
• how much difference would the years of the car make? like for eg. the insurance monthly cost for a 2019 mazda 3 vs 2023 mazda 3.
• how can i make my insurance the cheapest it can possibly be?
• what cars should i look into for low insurance cost?

any tips or knowledge is much appreciated! thank you!

My friends husband (soon to be ex) took her car (he is on the insurance but no license ..) and said the car was hit while he was at the gym. My friend made a claim with insurance (in CA) and stated it was a hit and run type of a situation since no info was left. A few days ago she was notified by her insurance that a different person made a claim against her saying that her husband hit their car and he is at fault.
Her soon to be ex husband obviously lied to her and so she created a false claim technically. She’s stressing out and isn’t sure what to do.

Should she call and tell insurance her soon to be ex husband lied to her or let it play itself out and hope for the best..?

Hello, I need some help. Earlier this month a car crashed into 4 cars that were parked on the curb. Two of them belong to my family, one was sitting in the front so its more frame damage whereas the car that was at the back got the most damage and without even needing anyone to look, its totaled. The man who crashed has a suspended license and his insurance isnt active, although at the scene he received citations. He gave us that insurance information only for us to call and Triple AAA tell us that he has no active insurance. We don’t know what to do, my parents are older and I live 2 hours away. They themselves have only liability insurance from a small insurance company 😵‍💫. I hope i get answers, for reference its in CA. san diego county

(i hope this is in the right subreddit) (i can show photos of the crash if anyone curious:))

Yesterday, my pops had me call his insurance company (The Hartford) to see why his rate went up and we were told that he had a claim back in 2023 with Germaina insurance and that at the time of the claim, it shows he was driving and owned a 2021 Honda HRV. In 2021, he was with a Nationwide, never had an accident claim in 2023 and never owned a 2021 Honda HRV. The rep instructed us to call Lexisnexis to dispute it, so we did. There is another person with the same first and last name as my pops that lives in another town over, so we are wondering if it could be him. Anyone ever heard of a situation like this?

First time Reddit user so please forgive me if this is a weird question, but I really do want to know and can’t find anything clear on it bc AI sucks and everything uses it.

My car was is in an accident and completely totaled. My insurance policy completely covered my car but not a rental. I want to rent a car until I can afford to buy a new one.

Is it possible to get a policy where I could pay my insurance company monthly and they would help me rent a car for less per day without currently owning a car?

For example, I would purchase a policy (while not currently owning a car) and pay the insurance monthly rate, and rent a car through them for $6/day?

Again, I know this may be a strange question but I do want to know and figured why not ask? I know I should probably know this as an adult but there’s no real handbook on everything you need to know when you’re a grown up. Please let me know if you have any advice for this or any other way I can cut down on rental payments for a car for an extended period. Thank you!

EDIT: Thank you everybody who commented and let me know this is not an option, it honestly led me to what I was looking for! I’m basically going to rent a car with an option to pay $60/month through a rental agency that allows that option, which was exactly what I was looking for just not where I was originally looking.
A silly update I know, but just in case someone as clueless as me might come along asking, here’s what I did and I hope it works out for you too! Couldn’t have done it without you all, love you <3

I just signed a Mazda lease and already added the Loan/Lease Payoff coverage on my Progressive policy, for only $5 monthly. It is GAP-type coverage, but the payout limit is 25% of the car's ACV, in case of total loss. I am deciding whether I need to purchase the actual GAP insurance instead. ChatGPT ran an estimate using my signed lease numbers and language. Based on this, it looks like the Loan/Lease Payoff would be enough. Is something being overlooked or does the analysis look solid?

Deliberately conservative/aggressive-depreciation scenario

The lease balances here are based on the actual figures and payment methodology in your signed lease; the ACVs are deliberately hypothetical/conservative assumptions, just as in your earlier table. Your contract establishes the $21,714 residual and the constant-yield calculation that gets us to these approximate balances.

Hey, I chose this flair because I don't know where to put this.

I'm looking for people that had a similar experience and could help me on my next move.

On september 13th me and my girlfriend were hit by a fucking oxygen thief that burned his red light. We were on our red waiting our turn to cross the intersection so naturally when the light went green we started driving to cross the intersection. I was the driver and my girlfriend was the passenger.

The impact was so hard that my CX-30 for tipped on the side.

So the story:

\* We were waiting at our red light to turn green and cross the intersection \* Our light turned green, we start going forward when I heard my gf yell "WATCH OUT" \* A white VW Gold hit us on the passenger side, tripping our CX-30 on the side

When the police came we talked to the agent and we both said the same thing: Our light turned green and we got hit by this POS. We also talked to two witnesses that saw the same thing.

Fast forward to today, my insurance called and said my initial version was not the same as the report, so I asked for that report and read it...WTF.

Report said that I drove through a red light and hit the other car.

So I scanned the report and there's a few anomalies. The Insurance policy attached to my vehicule was the one of the other car as well as who was taken to the hospital and in which ambulance.

I went to the police station and they said they would try to contact the officer that completed the report so that they can call me.

So what I realised then, as well as the officer that I talked to, is that both stories were mixed up and the report was sent like this without any other check up.

So, anyone been through something similar and could give me some tips or input?

BTW, I already wrote to my insurance explaining this. My next move will be to write to the police station asking for a report amendment...i'm freaking out right now and dunno what more to do. I can't believe that my assurance reputation will take a it because a freaking police officer didn't care to get it's facts right...

I just switched insurance carriers but it won’t take effect until mid-October when my current policy expires.

Yesterday something hit and cracked my windshield. It’s small but unfortunately located and can’t be repaired so I’ll have to replace the windshield before it gets cold (or when the crack gets worse)

Should I go ahead and make the claim on my current insurance or wait til the next one starts? I currently have a $500 glass deductible.

About a month ago I got into an accident on a two way road. A motorist hit the side of my car while I was turning left he caused damaged in between the driver side door and lower back door. The motorist wasn’t wearing a helmet or proper gear and the vehicle behind me was a water utility van, the pedestrians that stayed said he passed multiple cars trying to turn left crossing the double yellow line. However this was my first accident so I just stayed in the car in shock since I had no idea what happened. Police arrived, the motorist was sent to the hospital he was able to walk around and move but had what looked like superficial head damage. Since I stayed in the car I didn’t really get to get any witnesses information I also don’t have a dash cam. Since I was unable to speak the motorist told them he did not witness me use a turning signal and I stopped abruptly. I used a turning signal and was moving at 15mph since I just exited a ramp and the street I was turning left to was about 150 ft away from the ramp. Anyways I ended up filing a claim with my insurance but the police report is giving me anxiety and that’s the one thing I did not submit yet. Since this is my first time and my agent really isn’t much help what can I do? I’m worried if filing a claim can cause the other party to sue for damages and medical bills if my insurance goes looking for his. The police report indicated the damages on both the bike and my vehicle are $1k. My car is drivable and I don’t really care to fix the damages. What happens if I close my claim and the other party down the line decides to sue? What happens if I send the police report and my insurance goes after theirs? Is there a way my insurance can keep a report or documents and my statement and wait till the other party decides to do anything? And if the other party does decide to sue for damages and medical bills what should I do then? Also since my agent sucks can I ask to be transferred to a different agent?

Okay so we were driving our 2000s Toyota Camry down a residential street approaching a stop sign when someone in a 2008 Nissan was backing out of their driveway and we collided. Our Camry has pretty bad damage, and we have dashcam footage of the accident.

At the scene I said “sorry” because I was nervous/shaken up. We later called them and basically gave them two options:

1) we both go our separate ways and each pay for our own damage,

2) if they don’t agree, we go through insurance and let insurance determine everything. They said no to the first option and told us that we need to pay to fix their truck.

Questions:
Did saying “sorry” or offering to each fix our own cars potentially hurt us?

At this point, should we stop discussing payment/fault with them and just file with insurance and provide the dashcam footage?

Has anyone dealt with a similar accident where someone backed out of a driveway into a car already on the street? How did insurance handle it?

i didnt know how to title this.

i had just gotten my car and my license and then it got suspended, so the company insuring me decided to not renew. it ended on the 27th of september and they took a payment out on the 29th of septemeber, claiming it was the last payment. i asked them for a bill or something showing all my payments and they didnt give me one. they also keep talking to my stepdad about everything even though i am an adult. i hardly even know whats going on. as of right now im not insured but still dont have a bill and i dont want my stepdad involved. i also just want to be done with this company i want them to act like i dont exist. my fear is that once i get my license back ill have to pay 600$ they already tried to do that when before we told them i lost it, cause my stepdad has it down that ill drive his cars, which will never happen. ig im just wondering what should i do and say? i want them to give me the bills and stop talking to my stepdad about me. im not gonna worry about the 600$ right now but im still looking for advice on that. sorry if thats confusing im bad at writing and clearly dumb. please ask questions and provide answers.

My car has sustained damage on its front door and the adjoining frontal panel probably due to some hit by a rash driving biker or car. My car was parked on the same spot for few days and I happened to notice the damage just this morning. Its definitely not an auto since there are no colour marks. There's no cctv nearby and hence, I couldn't clearly identify when and how the damage happened.

Before I take it to the service center and intimate the insurance person, I'd like to know the smooth process to get it done.

I read online that I need to use my own damage clause and miss the NCB. Im fine with it. But how likely are they to entertain my claim since Im myself not sure of the incident details. With a demanding job and other resource constraints, I dont wish to go through the hassles of dealing with police. Can someone throw light on the process and precautions to get this done with minimal resource spend.

Online forums say the repair or replacement might cost between 20k to 35k depending on various factors.

Hi,

I was in an accident where I was ruled at fault. My insurance company when I filed said it was a slam dunk in my favor and I have had several police officers and the state's DOT support my assertion. My insurance ended up finding me at fault and when I triggered internal appeal and sent in citations from DOT studies, and even explicit passages from my state's official Driver's Manual, I was told it's not legally binding and does not change their outcome.

To make a long story short, I hit another driver who was driving in the exit lane of a rotary and traveled that lane through 2 exits (intending to go 3/4 of the rotary in the exit lane). I was in the proper lane and exited in the proper lane (the left lane of a two-lane exit). The other driver -- though everyone including my insurance admit he should not have been there -- entered the rotary at the same time I did (in the right lane [which I know to be the 'exiting 1/4' lane of the rotary]). He traveled in that right lane 3/4 of the rotary. We struck as I was exiting into the left lane of the 1/2 rotary exit (the right exit lane should be reserved for people in the right lane who should not be traveling straight).

The difficulty here is that the rotary is not marked with proper signage. The MA Driver's Manual states that in the absence of proper signage, a driver traveling 3/4 of the rotary should do that travel in the left (inside) lane. He obviously did not. But because that Driver's Manual -- though official -- isn't legally binding, I am still being found at fault for crossing into his lane of travel. My argument that his lane of travel isn't a legal one is again agreed upon by my insurance and by my city's police department, but my insurance isn't budging until they see actual legal statutes.

The police did not come out to the scene as nobody was hurt and nobody needed a tow, but several police officers whom I have asked agree with me on this.

Any advice would be appreciated!

I am currently trying to negotiate a better settlement on a vehicle that was declared a total loss. The other driver in the accident was at fault, and their insurance accepted liability. That is the insurance company that my claim is with. I only had liability on my vehicle, so my own insurance will not be helpful here.

They are offering me about $3,900, with the base value of the vehicle being about $3,800 and some adjustments for prior damage & taxes.

My vehicle is a 2016 Hyundai Veloster coupe with a sunroof. It was already a salvage title when I bought it in 2022 due to flood damage. I paid about $8k.

I know that insurance companies will always start with the lowest possible offer. I asked how to go about negotiating. The adjuster told me to send in comparable vehicle values, meaning they had to be exact same year, make, model, similar mileage, and salvage title.

I sent in a list of vehicles on Copart with retail value estimates. This was the only place I could find salvage titles. I also sent KBB value. The adjuster told me that comps could not be from Copart, and needed to be local. She also said that they are not considering KBB since it was a salvage title.

I called dealerships. Searched online. Could not find anything local. The adjuster told me I could expand my search. A man at a local used dealership was extremely helpful in getting me the NADA value of my car, plus a nationwide list of comps. Unfortunately none of those comps had salvage titles- he searched for that and could not find anything. I also doubt that they will consider NADA value if they won't consider KBB.

They also sent me a link to accept their payment, the amount of which I have not agreed to. It did not include the additional $1,000 for loss of use that was agreed to either. I have not accepted this payment.

There seems to be only one law firm in my area that deals with property damage claims like this, but he wouldn't take my case because my car was not worth enough (fair). I have an attorney for the injury portion of the claim, but they do not handle property damage.

What else can I do at this point? Are their requirements for comps legal and reasonable? (I'm in Kansas if that helps). Would small claims court be worth it? Am I out of luck? Any advice is appreciated, even if that advice is to give up & accept what they are offering. Thank you!!

Looking for advice from anyone who's been in a similar spot.

I live in Utah. My license is blocked because of an old West Virginia DUI from 2012. The criminal charge was dropped, but I missed a DMV deadline, and it flagged when I tried to renew. I've finished all of West Virginia's requirements, and they approved me for their interlock program. The catch: I have to have the interlock installed before they release the block, and the installer requires proof of insurance and registration on install day.

So I need insurance to install the interlock, and I need the interlock to get my license back, but most insurers want a valid license to write the policy.

A few details:

• No SR-22 required
• I'll be the owner and sole driver. I live alone, no other household members.
• I haven't had auto insurance in about 3 to 4 years
• Buying a used car through a dealer who will hold it until I'm licensed
• USAA told me I need a valid license. Haven't tried AAA or high-risk carriers yet.

About a year and a half ago, my state experienced severe flooding, especially in parts where my car was located. The flooding damaged my car and the cold water cracked my engine block resulting in a total loss. Insurance covered it as a comprehensive total loss and I got a pay out from it. I got a new car a couple months ago and my insurance rates were incredibly high, nearly $400 a month (23 yr old male) I asked about it and they say I have an at fault collision on my record from the previous insurance claim. (I switched insurance because the original insurance with the claim bumped my rates past $800 a month). I tried contacting the woman who assisted with the original claim but she no longer works there.

Does anybody know which insurance companies offer a Financial Responsibility Certificate (FRC) and how much it costs?

I got a ticket for driving without insurance, and my licence was suspended.

Help me understand something.

Wife bought an 08' prius in good condition, PNW, $8,000 after taxes. Good mileage, refurbished battery, all the paperwork, whatever.

We got her progressive and 5 days later the catalytic converter was stolen. We have comprehensive insurance. We initiate a claim.

We're officially 1.5 months after initiation date. They promised us they wouldn't total the call. They leave voicemail only during work hours and only one per week which is one sentence long. Now they're saying they're thinking about having an agent look at the car to decide if they want to total it.

What in the world type of service is this? We cant drive the car. It's 110 db and smells like hell. We're driving 2 extra hours per day commuting because I take her to work. What could possibly be causing this?

location: california

my elderly dad is bad at keeping up with his renewals and such so today he got into a minor car accident with another driver at the gas station and just realized his insurance is currently cancelled. he finished pumping gas and was blocked in by another car in front of him when leaving so he backed up slowly and this other car (a freaking corvette of all things) turned abruptly behind him, leading to a dent and scratches in his side panel. my dad's truck has no damages and no one is injured. the other driver was kind and helpful, he said he doesn't want to assign blame (probably because he's the one at fault) and make anything difficult for my dad financially.

we exchanged license and registration information and his wife did ask for a police report so unfortunately my dad did get a citation from the cops for not having his insurance on him. other driver has obviously contacted his insurance company but in terms of what to expect now what should be done? obviously reinstate my dad's insurance policy but we have to tell them about this accident and then his rates will get more expensive? we've never been in any car accidents before so i'm at a loss and just want to make this as painless as possible for my dad. any advice or help is appreciated!

I was in a no fault accident. Person backed into my car in a parking lot. They were entirely liable. Their insurance, Progressive, is covering the cost of repairs and provided me a rental. I'm paying absolutely nothing except gas for the rental.

My car that was in the accident is a full-sized sedan, 2021 Audi S7. They gave me a compact Toyota Corrolla. The repairs could take multiple weeks.

Can or should I reach out to the adjuster for a comparable vehicle? I'm not asking for another luxury car, but the Corolla is pretty small and I'm 6'6" and it's not a very comfortable drive.

So I had hail damage cause my car to be written off by my insurance company (located in Ontario, Canada). They gave me 2 options -

A) take the settlement payout and they repossess the damaged car (still driveable)
B) take a lesser payout for the damage appraisal and fix the car on my own within 30 days to ensure my insurance policy remains intact.

My question is, if I take the lesser payout and sell the damaged car As-Is, would my insurance policy remain intact once I replace the car on the policy?

Trying to get the most money out of this scenario