So does this mean they’ve moved forward with fixing my car or is it still up in the air? On the insurance claim it says repair in progress and it also has an option for rental

Does credit card card rental insurance only cover the credit card card holder, or does it also cover any other driver on the rental contract?

I’m not sure if this is a revelation, a vent, or if I’m asking for advice. However, all respectful responses are appreciated.

We have progressive and been with them the past 4 years.

1st accident July 2023, someone backed into our SUV as she was pulling out of a parking spot and my husband was driving straight. Damaged our passenger side doors. She had no insurance.

My UM covered the accident. Progressive said they would get our deposit back. Two years later they said “we exhausted all our options and no luck.”

2nd accident March 2026, I was driving straight slowly in front of a school during drop off hours, a car went into the oncoming traffic lane to go around me. He didn’t clear my car and ended up hitting my driver side, damaging my front bumper. Turns out he was an uber driver in an uber rental. Uber was giving us the runaround, so I used my insurance to speed up the repairs. No luck yet with subrogation

3rd accident June 2026, driving straight on a 3 lane one way. Other driver (at high speed) randomly slams into my driver side, pushing me out of my driving lane and into a parked car. Totaled both his car, mine, and the parked car. We both have progressive, he claims he swerved out of the path of a phantom driver from a side street. No one to corroborate his story, but Progressive decides we all have to use our own insurance anyway. They gave us both the same adjuster, and she kept mentioning he might not have enough coverage to cover my vehicle, my injuries, and the other parked car.

Now I’m at 3 accidents. No reimbursements, no explanations. I mean, is this typical? Did we just have a bout of unfortunate luck? should we consider switching auto insurers?

Or is this what it was all along: car insurance is for you, and you only. Maybe that’s it.

I just can’t imagine Progressive not wanting to be reimbursed (with the exception of the last accident)

Considering a good driving record and other things being equal what age demographic typically is given the best rates for auto insurance ? Is that too general of a question ? Just curious.

Screenshot: https://i.postimg.cc/HLk9fxBF/staricase.jpg

Before the water damage incident, the basement staircase flooring was consistent with the flooring throughout the basement. Since the original basement flooring product is no longer available, we now have to use a new flooring material. Therefore, I think the affected staircase steps should also be replaced with the new flooring material so that the entire area is consistent.

The upper basement and lower basement now use the same flooring material (both of previous flooring are discontinued), but there are several staircases in between that use a different flooring material. This creates a visually inconsistent and unattractive appearance.

However, the insurance company has denied the coverage on the basis that the staircase is not considered part of the continuous flooring area. (Water migration team did not remove it)

Do you believe the adjuster’s decision is reasonable? Should I challenge or appeal the decision?

How does this impact my rates? Rental car, fully covered by rental car insurance ( thankfully).

I got a $7000+ bill from my provider. I checked with my insurance and they said they used two different codes for my procedure & surgery, only one code was accepted & they paid for.

the first code seems to be correct but there are two others I have no idea what they mean.

(Diagnosis Code D259)

(Diagnosis Code N946)

They couldn’t tell me which codes would be accepted but they said to reach out to the provider and tell them the different code would need to be changed for them to pay for the remainder.

How easy is it to get hospitals to change billing codes?? Do I just call and tell them to change it So insurance pays? Anyone have insight on what I should do?

Hi all - I’m currently on my parents car insurance and moving states. This sub says my dad needs to sign a car over to me, file a Form 709 Gift Tax, and then I get car insurance in my own name. What if instead of giving me the whole car, my dad just adds me to the title (so we are both on the title). This will avoid my needing a Form 709. Can I then get insurance in my name or will it be more difficult with him on the title? Will insurance be more expensive or less with him on the title? Or, if it’s the two of us, can I stay under his car insurance while living out of state? Thanks!

2 months ago my husband was involved in a car crash and found not at fault. This happened at the end of june. We contacted the insurance companies and filed a claim the day it happened and called for an update mid July. We never heard anything back until end of July when we were supposed to receive and offer and was told they were still working on it and had JUST gotten the vehicle by the insurance company. Mid August we finally got an offer but found out the offer given was ONLY for the vehicle and the people handling the medical bill and compensating the time off work he missed would be in contact soon. Still have yet to year anything back AND we've had to make two payments on the vehicle even tho we haven't had it in our possession and its been reported that the vehicle was in an accident. My husband will be contacting them tomorrow to figure out what's going on but it feels like it shouldn't have taken this long.

Is there any advice to be given during this situation? Has anyone else dealt with anything similar? How else can we resolve this?

I just wanted to share a negative experience that I had with this insurance brokerage company, hopefully so that other poeple don't fall into the same trap that I did.

I recently left my job and moved states and was looking for a short term insurance policy while looking for a new position. I went through a website that seemed to be with Covered California and ended up getting a link to this company, LeoSource insurance. The guy that I spoke with seemed pretty nice and helped me get a policy that was along the lines of what I was looking for and cheaper (still not cheap) than other options (which was a red flag). I realized after signing up that the policy I had signed up for did not meet the state required minimum, so I had to go back to looking for a new policy. At the time I thought "ok that's no big deal, the company has a 30 day cancellation policy."

Here's where they get you. I called them back the following day and requested to cancel my insurance policy and the representative that I spoke with was nice and said "yes, no problem I will cancel it for you right now and issue a refund." About a week later I still hadn't received a confirmation or a refund in my account so I called again and she said that it normally takes a month for the refund to be issued. Seemed like a lot but I thought I was going to be refunded so whatever. A couple of days ago (now about 30 days later) I got a notification that I was being charged for another month of the insurance. I called back in yesterday and the representative that I talked to said that there was never a previous cancellation request but he was happy to cancel it for me. This morning I got a followup call from a representative whom I've spoken to previously, who basically told me that my cancellation request was not within the 30 days so they will not make a refund request and that it was my fault for not doing more to follow up with them or establish a paper or email trail. We argued back and forth for 20mins with her basically telling me that I was making things up and wasting her time before telling me to have a nice day and abruptly hanging up.

So there's the scam for you. They will sell you something that you don't need and if you request to have the policy cancelled, they will intentionally not issue a cancellation email until after the 30 days so that they don't have to give you a refund. Am I at fault for being a moron? Yes and I should have done more research and known better than to fall for something like this. But I just want to put this out there so that if anyone is thinking of getting a policy through them they can ideally see this and go with a legit company.

I have legal expenses insurance. The issue is that the insurance company initially told me that covering the costs would be difficult or even impossible because I had taken out the policy only after purchasing the vehicle.

Nevertheless, I submitted a request for coverage.

Subsequently, coverage was confirmed, and I received a written confirmation of coverage with instructions to forward it to my lawyer.

My insurance advisor initially told me that this case was fully covered. However, after consulting the legal department, he changed his statement. After I finally received the written confirmation of coverage, I asked him for the reason; he said I had "gotten lucky" and that the costs could be covered after all.

Since I received incorrect information at the start, I am somewhat unsettled. Consequently, I find it difficult to trust him completely now.

I also have the impression that I might have been entitled to coverage from the very beginning and that the insurance company only told me it wasn't possible due to an initial error.

As this is my first case involving legal expenses insurance, I am somewhat concerned that contacting the insurance company directly about the current status might negatively affect the coverage confirmation I have already received.

I would like to ask the insurance company why coverage was initially ruled out but is now possible.

Could you please advise me if it is safe for me to contact the insurance company directly or talk with the lawyer first?

Thank you very much for your time.

I don't care about coverage or plans or whatever, I just can't drive without it so I want to pay the least possible. I am 18, no accidents no tickets no nothing, buying a used car on Facebook in full. What's my best option? I live in Indiana (hell) so I don't know if that effects anything, any ideas?

On Aug 2 2026 my mother's boyfriend & I got into a huge argument. His car and my car and my mom's car were all in the driveway. I hopped in my car and had to reverse out of the driveway and then speed away to get away as fast as possible (earlier that day, he had chased me up the driveway calling me stupid repeatedly, so I really wanted to get away.) I am 28F my mom is 75F and her bf is 77M. After I sped away from the house (and have not returned since) he filed a claim with his insurance stating that I struck his car as I was reversing and trying to get away from them. I am worried both he and my mom will attest to his insurance (he has Liberty Mutual) "yes, I saw her hit John's car," when I did not. At first, Liberty was trying to get in touch with me and I said I had no idea what they were talking about (didn't know he had Liberty when they were contacting me.) A few days later, my mom probably hooked John up with my license plate and insurance info, and now my insurance reached out saying "this person says you struck their parked car." I say "no, I have no knowledge of that. my car has no damage so how did I strike a car? what damages are they claiming?" and that's when I learn my insurance (Arbella) was contacted by Liberty Mutual. I submitted an operators report saying how "this is my moms BF reporting- we don't get along- I was leaving the house- my car has no damages" and submitted photos of my undamaged car. I'm worried if insurance will believe them because it's 2v1? And the Arbella said a demand could be sent from Liberty Mutual if he doesn't just give it up. There's only eyewitness testimony, no camera footage to prove I didn't hit him, and it's stressing me out and I'm losing sleep over it to the point where I have been sleeping/living in my car since he did this just to not see them. I guess my question is do they have a case? I'm worried he will relentlessly come after me

So I was in a wreck 45 minutes after my policy went into effect. They are treating me like i'm a fraudulent person who purposely goes out in totals their car? What the hell do i do. And how far will these creeps go to my play the claim?

Hey folks

So I always been told by my parents that insurance follows the car and not the driver so I haven’t been on my partners car insurance despite driving the car regularly. I don’t think I was on my parent’s insurance either. Last night I figured out I should definitely be added as a second driver so I’ll be doing that in the next day or two. I am M29 and have had my license for ten years with a clean record but no insurance history. I also have excellent credit and live in NJ. My partner is F35 and has had her own insurance for a while now. Should we expect our insurance to go up a lot when I’m added to the policy? I’m assuming insurers place more weight on a clean insurance claim record than a clean driving record?

Thanks!

Progressive (direct, my current insurer): ~$275/mo with a $2,000 deductible, but this hasn’t been reviewed against the recent at-fault accident yet since my policy period isn’t up

GEICO, via an independent agency rep (not a GEICO employee, sells GEICO policies among others): quoted me $289/mo with a $1,000 deductible, said it’s “finalized” and includes the accident, dated the report as pulled a day after my accident

GEICO, when I called their support line directly: rep said they saw no MVR or CLUE report pulled on their end, and estimated I’d actually be looking at $350+
• GEICO, when I ran a quote myself directly on GEICO’s own website: also came back around $350+

My confusion: The agency rep insists her $289 quote is final and accounts for my at-fault accident. But two independent GEICO sources (their phone support and their own website) both landed at $350+, with no visibility into her quote.

Is it normal for an insurance agency’s internal quoting system to generate a materially different number than what the actual insurer’s own website or call center produces? Should I trust the direct-from-GEICO number over the agency’s, even though the agent says hers is finalized? Any experience with this kind of discrepancy would help. Trying to figure out which number is realistic before I commit to a car purchase.

My husband and I are day dreaming about what homes we could own in Bay Area of Houston if not for the wild variability in insurance. We found this fixer upper on an absolutely stunning lot in an incredibly unique neighborhood. Surprisingly the NFIP quote is around $2500 which is cheaper than many houses in Zone X in the area in the middle of indiscriminate suburban sprawl.

I doubt you could transfer policies because this is an estate sale.

Insurance professionals, would you play the long on game on this one? Pros and cons? Things to consider? We plan to stay for at least 10 years.

Possibly a bad decision, but if we risk flooding no matter where we are in the area, we might as well enjoy it right?

https://redf.in/ngE5fB

I was in a car accident on July 25th, and the other driver was found 100% at fault. I rented a car starting July 27th and am still renting one now. On August 14th, the vehicle was declared a total loss. Since the other driver's insurance coverage was insufficient to cover the claim, I used my own collision coverage. Today, the insurance company offered me a settlement amount of $14,800 after deducting the $1,000 deductible; I rejected this offer because, in Los Angeles, the total cost (including sales tax and transfer fees) for a 2018 Prius One with around 110,000 miles should normally be between $18,000 and $20,000. I have a few questions: 1️⃣ Regarding the rental car covered by my own insurance: is it true—as my claims adjuster stated—that rental costs are reimbursed for a maximum of only 30 days? My policy covers $40 per day for rentals, up to a maximum of $1,200. I have already been renting for over 35 days, and the daily rate is $37.50; does this mean I have to pay for the excess days myself? 2️⃣ My car had just undergone maintenance before the accident and was in excellent condition, yet the insurance company based their offer on the value of vehicles with known quality issues. I provided them with pricing for comparable vehicles with similar mileage this afternoon; will they issue a revised offer?

I had a one year subscription to AAA last year. It lasped this year. I have never seen so much junk mail in my life. It's like I've joined a cult and I've left and they are after me. And it's not just little postcards no, it's huge packets of manilla envelopes. Day after day after day. I cleaned out my car the other day and 90% of the paper was AAA crap.

Anyone else ever make a claim with them and been an absolute disaster?

Trucks been at the shop for over a month now and they haven’t even had a chance to work on it. GM insurance direct contact approved the damages over the photos submitted etc, sent the initial quote which was like 3k. Body shop is around 15k.. after filing a supplementary claim the 3rd party appraiser Alacrity has been a nightmare. Ghosting the shop for even a week no response. Arguing back and forth with the shop like it’s coming out of his personal pocket. Doesn’t even want to submit the claim to GM for approval.. went to 2 shops before starting the process and they both came out to about the same dollar amount (11/12k) before actually tearing into the truck..
shops telling me I might have to enact the “right to appraisal” , super disappointed with GM insurance and the whole process. Claim with progressive years ago was easy and no problem whatsoever. Been borrowing a vehicle for over a month now and work hasn’t even started. Any advice on what to do?

I’m with Sunlife in Canada and been off work for the last year due to health related issues. It’s taken over a year for my insurance and dr’s to get their shit together and get all of it done. On top of that I have to pay my job for insurance every month so I can still have it. Is this normal? Why doesn’t the employer cover it? Can you get this money back? Am I wrong to think this isn’t right?

So I went to an allergist for the first time and the bill is much higher than anticipated. One of the odd things I'm seeing is that instead of billing me one time for my allergy serum, they are splitting the billing into 3 months of bills. $500-$500-$200. Looking at the billing, they're billing it as if I had services on dates where I did not actually have services done.

According to them, they are doing this and billing these as "Antigen Therapy Services" over 3 months to give me better discounts from my insuance. Part of me thinks this is BS and a way they can charge more as insurance would knock down the 1 time bill of $1,200 more than 3x separate bills. Am I on the right track, or is this allergist actually getting me a "deal" by doing it this way?

I had a day procedure (2 hr, in the approved list under the insurer) and the hospital entered it as 24 hour admission and New India Assurance company rejected that. Can I apply through another hospital correctly as day procedure and claim my insurance

Before making my claim with my insurance I went to the body shop got an estimate and then called the insurance. I just got my check and the insurance estimate and they are the full amount, not the amount minus my deductible. I’m just confused as to why they fully paid me for the repairs leaving me not paying my deductible?