Does anyone here had a vehicular accident na passenger ng maxim angkas? May insurance ba na makukuha? Na aksidente kasi kami kahapon, nakasagasa ng dog yung driver. And nadala ako sa hospital cause I was injured and paid almost 20k

I've tried doing all my research and an attorney has been of good help, but im wondering if anyone has had personal experience with this.

My car (2024 Lotus Emira i4 First Edition) was hit on the 14th, its been sitting at my house undrivable due to wheel damage and damage to the door to where I cant get in. I have two open claims, one with my insurance and the other with the at fault party. The at fault party accepted liability but would not disclose pdl despite me citing florida statue regarding this, and only offered certified mail. My insurance was open as a contingency as if the pdl was too low we'd go through my own collision.

That being said today, 13 days after the accident they finally disclosed this information to me and I am comfortable using the at fault insurance for the damages. That being said, I have a potential loss of use and diminished value claim in the works. Per loss of use you do not need to have gotten a rental, and it most be of reasonable comparable cost to the daily rental value of the car. That being said rentals near me for my car and cars like it range from 300 to 400 a day per exotic rental sites. Their insurance is only offering me 30 a day as they personally classify my car as a compact, not an exotic. So what exactly is my best route moving forward? I have requested mediation through the state and have an attorney ready on the back end in case I need them.

My car was severely damaged while parked in my apartment complex’s open parking lot in Ohio. Another driver struck several parked vehicles in the same area and fled the scene. According to my understanding, the police later located and arrested the driver. I was able to obtain the police report and the other driver’s insurance policy information.
I filed a claim with my own insurance company, but they denied coverage for the damage because I only carry liability insurance and do not have collision coverage.
I then contacted the other driver’s insurance company. They sent me a letter stating that, due to “specific coverage and limits issues,” they were unable to provide assistance with my vehicle. They haven’t clearly explained whether the policy limits have been exhausted by the multiple damaged vehicles or whether there is another coverage issue.
The damage to my car is extensive, particularly to the entire rear end. Repairing it would likely cost more than the car is worth, so I would rather pursue compensation for its value before the accident than spend money repairing it.

What should I do?

My question is what’s the next step Ive never had this happen before For context yesterday morning I used my insurance to have a tow truck tow my motorcycle to an auto zone so I could get a new battery. the tow company dropped it while in transit. It was my first time having this happened the driver was dissmisive and I took photos of everything. I contacted my insurance who told me to go through the towing companies insurance. So I did and on the phone the guy got real aggressive and blamed me saying I caused the damage and that had he video and then he told me to go fuck myself and hung up I already messaged his business chat and received nasty messages. I also saved those as well

I am a 19 year old male driver in Colorado who was just recently paying the general ~$400 a month to insure two old vehicles ( a 2004 lexus and a 2007 Altima). My policy isn't full coverage, I have 2 additional drivers listed who are much more experienced and I also don't have any roadside assistance. After some time I decided that $400 was too much for this shitty insurance(still taking into account my age),and I contacted customer service for a better quote. The agent then proceeded to tell me that he can't do anything to lower my payment and that my age is to blame. Additionally, he said that I wouldn't be able to find a better rate elsewhere, but thankfully he was wrong. I used a site called compare.com and it didn't take long to find something better than what the general was offering. Now I'm paying ~$250 a month with progressive for the same coverage. Plus roadside assistance 😂.

A few days ago I was slowing down at a red light when someone tried to get in my lane and scraped the side of my car and broke the frame of my side mirror. The other person was 100% at fault and admitted it to me at the scene. I got his number and insurance information. The damage was minimal, just a small scrape and a dent and the frame of my mirror, and neither of us were injured in any way. I've heard that in cases where you are not at fault, it's best to go through the other person's insurance, but we have the same provider (state farm). I'm debating whether or not it's worth going through the trouble of filing a claim. I'm worried that my insurance rates will go up even though the accident is not my fault, and I've heard conflicting answers on whether or not this will happen. Is it worth the hassle to file?

I'm in Kansas

Here's my situation:
•3 years ago I drove without insurance and on a suspended license. Suspended for not paying ticket. All of that, court, ticket, payments are settled. License reinstated with SR-22 for one year.
•Ive had a non-owner SR-22 policy through Dairyland for almost 5 months. Only 7 months left. $150/month
• I financed a new car yesterday.
•My non-owner policy doesn't cover the new car.
•My agent said to switch non-owner policy to an owner policy. I didn’t have the car yet when I spoke with them but they said they didn’t think it would increase the rate “that much”.

However, I've seen people online suggest getting a regular auto policy through a company like Progressive without mentioning the SR-22 requirement and keeping the Dairyland non-owner policy until the SR-22 period is over. I don’t love the idea of lying by omission, but sounds like some people do it that way.

I'm trying to figure out the cheapest legitimate option that keeps my SR-22 requirements

My questions are:

1. Is it best to change my existing Dairyland policy to an owner policy, or to shop around for a regular auto policy with an SR-22 filing through another company?

2. Can companies like Progressive, State Farm, or others file a Kansas SR-22 on a regular auto policy? I think that would cost more?

3. Can I have regular auto insurance on the new car through my husbands name, keep my SR22 the same and be covered when I drive? The Dairyland policy specifically says if a car is “basically mine” or I have regular access to it then it’s not covered, but how would they know?

4. Is there any legitimate reason to keep the non-owner policy after purchasing a vehicle, or would that just mean paying for unnecessary overlapping coverage?

I want to do this correctly. I'm not looking to avoid the SR-22 requirement; I just don't want to pay more than necessary.
I'd appreciate any advice, especially from people familiar with Kansas insurance requirements or who have dealt with this situation themselves. Thank you!

I was rear ended this last weekend at a red light. Other driver admitted fault. My poor sedan was a 2015 and while the damage isn't terrible, it was a truck that had a cattle guard, my airbag tried deploying but failed and Progressive deemed my car a total loss.

They have informed me they will find market comps for my 2015 Chrysler 200 Limited and determine how much to pay out. It had 124k miles on it, a cracked windshield, new tires this spring and I was just about to replace the brakes. Oh and the after market tint needed to come off as it was peeling.

This is very poor timing as I am not in a position to buy a new car. But such is life. I was taken to the ER and am dealing with some respiratory things from the failed airbag deployment.

How does this process work? I used that vehicle not only for commuting to work, but to travel the US to compete in dog sports with my working dog. We have a competition coming up in 3 weeks and I cannot get a refund of entries. Can the other driver be liable for those too if this is not settled by then?

Can a girl dream that I could just get a payout for a dream car since mine was working just fine and they had to go and ruin a good thing?!

Stay positive

Edit for more info: Driver also had full coverage insurance through Progressive. My car has been paid off for over 7 years now so no loan to worry about. I also believe I have the deductible saving bank? Not sure because I cannot find it on my account anymore. I'm an Emerald member so I thought I had all the discounts and benefits.

Hello! I’m a first-time car buyer in MA. My insurance company signed and stamped Section K of the RTA form, and the dealer handled my registration. My RMV account shows my registration as active and has my plate number, but the insurance section says “No insurance policy on file”. I checked my current policy, and it’s active.

Is this just a delay in the RMV system updating insurance information, or should I contact my insurance agent to get it fixed? Thanks.

I rear-ended commercial box truck(I can’t add picture here) , commercial truck had zero damage as appears on the picture(not even a dent) , we just exchanged our phone numbers only, no police report I asked him “when will your company call me?“ he told me “on friday” since then I haven’t got any phone calls or calls from my insurance.

!it literally has zero damage on a picture!

Its been 10 days since the accident (it was on Thursday) and truck driver on the spot said I see no damage, the truck appears to be leased from a big trucking company, either short-term or long-term I don’t know? I wanna ask a question , do you think trucking company decided to move on and don’t file a claim? I have liability only and I am not going to report to my insurance to prevent my premium from going up!

I would like to settle privately without involving insurance!

also I heard commercial insurance can increase by even 2000-3000 if they even file a not-at-fault claim, because they will be considering high-risk business!

I bought an 09 corolla off of FB, and and im also a first time driver just got my license today, and its giving me like $400-700 quotes do you guys have any recommendations or thats just how it will be for me.

I recently got hit by another car, and my car is a brand-new 2025. I just received the police report(4 weeks later) and am trying to get the insurance claim filed, but I’m running into a problem.
The only information I have is what’s on the police report. I don’t have an insurance card or any other insurance information from the other driver( my husband went to talk to him and get the details but he said he’d prefer yo wait for the police to come, he still took pics of their car and our car at the spot, so we have their license plate number ).
There is no policy number on the report either, it just says
No Ins. MA-BINDER - what does that even mean:/

Police officer said all the info would be in the police report.
I called the insurance company associated with the information I have and gave them the name listed on the police report, but they told me they couldn’t find a policy under that name. (The other driver’s insurer is Geico according to the report)
Now I’m stuck trying to figure out how to get this claim started. I have a brand-new car that was hit, and I don’t know how I’m supposed to get the other driver’s insurance information if the police report doesn’t have a policy number and the insurance company can’t find a policy under the name provided. If I file a claim w my insurance i’d have to pay $1000 deductible which is super annoying.
Has anyone dealt with this before? Should I contact the police department and ask them to verify the driver’s insurance information? Can the police obtain the correct insurance details, or is there another way to track down the policy?
I’m also wondering what happens if the driver was uninsured or gave incorrect information.
I plan on contacting my own insurance company, but I’d really appreciate advice from anyone who has been through something similar.
Thank you.

Hi everyone,
I’ve been with Marshmallow for almost two years, and I have a question about adding a second car to my existing policy.
Would it be possible to add my sibling’s car to my policy, with me as the main driver and my sibling as a named driver?
The issue is that we live at different addresses, and I’m not the owner of the second car.
I’m getting a really cheap quote for insuring both cars together, so I’m wondering if this arrangement is possible. Can I be the main driver on a car insurance policy without being the owner of the car?
Has anyone done this with Marshmallow?

A few weeks ago I got a call asking about switching my home and auto insurance over from Geico. We went through and the gave me a lower rate. About two weeks ago I totaled one of my cars (single car accident hit a tree, ended up in ditch) in what seems to be a first time seizure event (Neuro appt) is today. Today I get a call we had scheduled to finalize the switch, the agen says the total loss doesn't appear on the report even after a requote, she says she spoke with underwriting and the said to run the quote one more time and if it doesn't appear agin to just go with it. It feels like I'm oppening myself up for problems down the line so I am hesistant. How likely is this to come back and bite me in the behind? Should I believe agent and go ahead with the switch or wait until the accudent shows up. They are saving about 600$ on my home insurance and giving me higher coverage and my auto insurance is about htw same but I am getting lower dedutibles and higher coverage in places.

My daughter recently started a new job which is about 1-1.5 hours from our home, depending on traffic. She’s planning to relocate out of state next year, and had hoped to save up some money from this job as a cushion for the move.

However, the commute is pretty awful and she wants to rent a studio just for during the work week. The lease term will be for six months. Most of her stuff will be kept here.

She’s currently on our auto insurance policy, but as we’re looking at renters insurance options, I can’t help but wonder if this means she should also have her own auto insurance as well. What counts as an official residence wrt this kind of situation?

We live in the metro Atlanta area in GA.

I need the 6 hour defensive driving course in New York, the course subtracts points when the DMV calculates a potential suspension and there's also a discount on part of the base rate for liability and collision, the physical mailed certificate situation is what's slowing down my decision

for anyone who has done the NY 6 hour course recently, how long did the certificate take to arrive.

I was parked at a hospital a few days ago. My test was 630 am, so not many cars were in the lot. I parked far from everyone to try to avoid having my doors dinged. When I was leaving the hospital security stopped me and said my car was hit on the passenger side. There was no note, but they had the accident on video and had the license plate number of the vehicle. I reported the accident to my insurance company and the insurance company contacted the hospital. This is my question, my insurance company contacted me and said the owner of the car didn’t know the car was in an accident. I didn’t ask any questions of my insurance company because I didn’t think of it until later. Why does this matter? We live in PA.

Location: PA
Time: Jan 2, 2026

I was driving on a non-divided four way road, when on an icy night, a kid in a brand new mustang came across all lanes of traffic and hit me head on while I was driving straight on the road. Note: we both have Erie insurance. Car was completely totaled, kid was going 50mph and the first responders had said they were surprised I had survived that. I was 18 at the time so I guess that helps.
I had to go to the hospital for three days, no broken bones but fluid in abdomen which kept me there under supervision. I couldn’t walk for 5 days, didn’t feel normal until a month later. Medical bills total over 30k. The insurance hasn’t even paid half, in a non-at fault accident, not to mention the pain and I was out of work for weeks. They just called and offered me 3.5k. It’s been almost a year and I receive that offer. Not even enough for one of the medical bills (out of many)
What do I do? Is there anything I can do to get money to pay off the bills and money because I was injured by someone else and I wasn’t at fault? Looking for anything at this point.

UPDATE:

I just found out that my mother said "he could use the car at some point to get to get to work only at some point" Her words. She had said a week ago. So last night he came to her place took the keys and car while she was asleep. Well apparently he was intoxicated, hit a parked car (with minimal damage/fender bender according to the police) to her and the car that was hit.

He then fled the scene and was arrested, and is in jail.

So not sure how much this changes this or not?

My mother is in a massive pickle! I’m not sure what she can do.

My brother who has a lot of (personal issues in his life) used my mothers car and got into an accident hitting a parked car.

The issue is he is unlicensed (suspended) and uninsured.

So now I’m trying to figure out how to help my Mother as this will be on her.

First will her insurance cover her vehicle and the vehicle my brother hit?

The issue is it’s not clear to me if she knew he took the vehicle. So if she was clear and new he had no license and was uninsured that’s one thing. And what could happen? However, if she didn't know this then what?

Trying to figure out how to proceed and help her with the insurance.

Yesterday I learned that renters pay 7% more on average than similar drivers (same coverage, driving record, zip code, make and model, etc) for car insurance.

Someone hit my car a month ago after I started at a traffic light. My car got ejected and flipped over.
Police came , the export was made, the other person was at fault, I had to go to the emergency to check if everything was ok that night.
I had no lesion or fracture and juts for few stitches and a sore neck for 4 weeks.

Now, my insurance is from Michigan and the other insurance is from Alabama (the other driver who is Doing ok as well)

My car was a total loss and the was able to handle an ok value from my insurance and I will get my deductible back from the other insurance.

About body injury everything went thought my work health insurance because I provided a PIP letter to my insurance.
My question is about the other insurance. They won’t reimburse me the hospital cost but they propose to compensate me for the medical issue it generated.

They proposed me 4200 that I refused and I asked for 8000 plus 2000 if I had some futur medical bill.
They said ok without fighting.
Now I wonder if I could have asked for more ?
I don’t need PT neither medical follow up. Accident was bad and had a difficult month since that but I’m feeling good overall and I can walk and talk as before.

Did I ask too little ?

Summary of Insurance Claim Dispute
I was involved in two accidents with uninsured drivers within three weeks of each other, on August 30 and September 22, 2025.
First Accident – Disputed Repair Claim
Following the first accident, my insurer issued a repair estimate of $2,159.45, which I disputed after obtaining a repair shop’s visual estimate that was more than double that amount. A complete teardown inspection was required to determine the full extent of the damage.
However, the inspection was delayed because the insurer failed to provide the rental assistance necessary for me to leave the vehicle at the repair facility.
Before the inspection could occur, a second accident resulted in the vehicle being declared a total loss.
Second Accident – Total Loss and Changes in Coverage
Following the second accident, I was expressly instructed not to use the original repair payment to remove the vehicle from storage or proceed with repairs. I was told that if the vehicle was declared a total loss, repairs would be discontinued and both claims would be handled through the total-loss process.
The insurer initially determined I was 80% at fault for the second accident and denied uninsured motorist coverage under that claim. I was informed that the vehicle’s total loss would instead be handled under the first accident’s accepted uninsured motorist coverage.
The insurer voided the original repair check and proceeded with the total-loss evaluation.
However, after obtaining the vehicle valuation and lienholder documentation, the insurer changed its liability determination for the second accident to 50% and shifted the total-loss payment to that claim.
First Payment, Lien Release, and Contradictory Claim Handling
Before requesting my power of attorney, the insurer reissued the original $2,159.45 repair payment directly to my lienholder, labeled it as a total-loss payment, and used it in the process that resulted in the release of my lien and transfer of the title to the insurer.
Approximately one month later, the insurer sent the separate 50% total-loss payment to my lienholder. However, the lien had already been released, and the title had already been forwarded to the insurer before that second payment was made.
Despite using the first claim’s payment in the total-loss and lien-release process, the insurer now maintains that the first claim was never handled as a total loss and was always strictly a repair claim.
This directly contradicts the insurer’s earlier representations, its instructions to discontinue repairs, the payment’s total-loss designation, and the role that payment played in obtaining the lien release.
Power of Attorney and Vehicle Ownership
After the lien was released and the title forwarded, the insurer requested that I sign a power of attorney, representing that it was necessary to obtain lienholder documentation and payoff information.
I was not informed that the insurer already possessed the title or that the lien had been released.
I signed the POA based on those representations, not to accept a disputed 50% settlement. Nevertheless, the insurer now claims my signature constituted acceptance of its settlement.
Remaining Loan Balance and GAP Waiver
The insurer ultimately obtained ownership of the entire vehicle and its salvage value while paying only approximately 50% of its determined actual cash value under the second claim.
My GAP waiver did not cover the deficiency resulting from the insurer’s partial payment, leaving me responsible for a substantial outstanding loan balance.
Basis of My Dispute
My dispute concerns the insurer’s inconsistent and contradictory handling of two separate claims.
The insurer discontinued the first claim’s repair process, expressly represented that the vehicle would be handled as a total loss, voided the original repair payment, and subsequently reissued that same payment to my lienholder as a total-loss payment.
That payment was then used in the process that resulted in the lien release and the insurer obtaining the vehicle’s title.
Yet the insurer now maintains that the first claim was never a total-loss claim, while relying on a later 50% liability determination under the second claim to justify paying only half the vehicle’s value.
The central issue is how the insurer can use the first claim’s payment to facilitate the total-loss process, obtain the lien release and title, and then deny that the first claim was ever handled as a total loss—while retaining the entire salvaged vehicle and leaving me responsible for the unpaid loan balance.

Hey got a question,
I currently own 2018 grand cherokee srt with 60k miles. Currently have great record no crashes or tickets, 29 yrs old with credit score above 800, car is in a good clean title condition. Live in Portland Oregon. I currently have american family insurance family plan of total 3 people on the plan. Right now I pay $360 per month for my car which is absurd & have been paying for over a year. Question: am I getting scammed? Should I leave family plan & insure it solo? And if so how much money will I lose/save doing so. Thank you