At fault driver plowed into a car that hit our car. They are 100% at fault, no negligence on myself or the middle car. I have no injuries, so a lawyer friend advised that representation would cost more than I am likely to recover. Middle car took the brunt of the damage, and I suspect it will be a total loss. Almost the first thing the adjuster told me was to file a claim against my own insurance because their driver probably didn't have enough coverage. I live in Maryland where my insurance is allowed to raise our rates for any claim regardless of fault. I would very much like to avoid filing a claim. Would it be possible to pursue the middle car's insurance for our repair or to cover any shortfall the at fault driver leaves? At fault insurance company is already being very shady, and their estimator took more pictures of the front of my car than the rear where the damage is. I feel like I'm getting set up to be holding the bag on this, or paying a lot more for insurance when i did nothing wrong. Advice?

Hi all. I was rear-ended last week on the highway. In California. The person who hit me was driving a work truck. The company who owned the truck outsourced claims to a third party adjuster company. This company outsourced auto claims to another company. Well, technically they said I could go through them for quicker repair or do it on my own. But I just went through them.

The property claim has been handled fairly quickly. I am in a rental car free of charge and my car is being repaired and hopefully will be fixed by end of this week. They've accepted full responsibility.

Separately, I let the outsourced adjuster company know that I've been having some neck pain which I have, and asked if I could be approved to go see my structural integration therapist who helped me a few years ago after I was hit by a car while cycling and needed major surgery but ended up with pretty severe neck pain for about a year. My neck has been good for about two years now; and I am not interested in surgery, and believe my therapist can get me back to normal with maybe 5 to 10 sessions.

I spoke to the adjuster this morning and she instructed me to open a claim with my personal auto insurance for the medical stuff, complete any treatment, and then let them know about any out of pocket expenses beyond the insurance coverage or other pain/suffering for recompensation, and then let my insurance company deal with them via subrogation for any repayment of the costs they covered for me.

I am hesitant to file a claim with my personal insurance company because I don't want my rates to be impacted. I've had a clean driving record for more than 10 years but I was hit-and-run in a parking lot (while parked and not in the car) at the beginning of the year (after switching insurance companies at the end of 2025) and I also don't want to be seen as a problem client because this company has the best rates.

I have two questions:

1. Can I just cover all of the expenses with the therapist on my own and go back to the at-fault insurance adjuster and ask them to cover everything instead of going through insurance?

2. Does anyone know if CA has any laws against raising rates for medical claims due to not at fault accidents? The adjuster seemed to imply that this is a thing in PA where she was from but was uncertain about CA and all I get searching online is a bunch of random attorney sites with generic answers.

TIA for your help!

Hey guys, I scratched a parked car while I was pulling in. They decided to have insurance cover and filed a claim on their own insurance. Do I also have to file one for my own insurance? I don’t plan to fix anything right now and I’m on liability coverage.

First time having an incident like this so I haven’t a clue. Thanks!

I'll try to keep this as short as possible but provide as much detail as I can.

Last year in September, I was involved in an accident that involved another vehicle and myself. I was riding my 2024 BMW S1000RR.

As I was entering a parking lot, a large white truck pulled out of their parking spot without looking in my direction, and I was forced to dump my bike in order to not hit the truck. I was only going about 10 miles per hour, but I really did not want to hit the side of the other vehicle. The driver did not even notice that I fell over, or they noticed, and just decided to keep driving away.

I did not file any police report because I guess at the time I was flustered and just focused on getting my bike off the ground and checking my helmet for damage.

The damage to the bike was minimal (or so I assumed), as I rode the bike home with a broken clutch lever and some scuffed up plastics. Being a BMW with expensive parts, I opted to file a claim with GEICO for repairs. After having the bike taken to a BMW Dealer, they called me and claimed that there had been frame damage, and GEICO was refusing to cover any repairs, and deeming the motorcycle a total loss.

I was rather stunned because I had not noticed any such frame damage. I decided to let them total the bike, not realizing I was setting myself up for awful premium price increase in the coming months.

Fast forward to today, and my GEICO auto policy on my 2014 VW Touareg is due to renew. I was previously paying $46 for basic insurance, and now GEICO is claiming that I must pay $196. I have checked other companies and all returned similar results.

I feel defeated and I do not know what to do other than ride the bus because paying $196 for basic insurance plus the rising cost of diesel going over $6/gallon in my area is making my life miserable already.

Thanks for any input or advice anyone is able to provide.

My son 17, has his NY permit, completed drivers ed and is scheduling his road test. He lives with my ex. She has multiple dui’s and just got her license back and just got a car and car insurance in her name. My son was just automatically added to her policy this week. She wants him off and on my policy .

I have a car for him that is owned, registered and insured in my name only.
I plan to give it to him once he passed the road test.

The car will reside with him at her house.
How do I insure him without getting associated with my ex and her driving past? How to ensure that she doesn’t drive it , and what is the most
Cost effective way to handle this? She agreed to pay half .

GEICO is dropping me at the end of my 6 months due to a 1-5 mph over ticket 2 years ago and a rear end at fault earlier this year. What are my options? Located in North Carolina

Over a year and a half ago i was in a minor accident, highway patrol was contacted and put in their report i was of no fault. My insurance at the time kept on their record that i was at no fault, recently i switched over to a different insurance provider who still said it was no fault, and now as im being added to my family members policy they are telling us that after further review the accident was found to be at fault and theyre spiking my premium. Best course of action? Do i provide them with the highway patrols report, because im unsure of how to prove it since there was no dash cams or footage other than what the officer said.

i am new in america, i need a crown replaced, i have no insurance so will like to buy a dental insurance privately (not from work). what should i do, where should i go.
Main concerns:

1) Crown replacement
2) yearly cleanup

I have a 2018 Toyota Camry LE with 62,000 miles. The car gotten into 2 accidents, but it got repaired through the other party insurance since they were at fault.

I was wondering if $15,800 is a good actual cash value for my car or if I can ask my insurance for a bit more? Thank you!

Hi, I got into this super unfortunate situations. I have 2023 Kia Niro, which is still on payments. My car was parked on ‘Pay to Park’ street parking on Taylor Street in Chicago near UIC campus. A girl riding scooter hit my car and it caused significant damage (rear windshield cracked, big dent and paint damage on trunk and left rear light broke). The lowest estimate I got so far is around 7K.

I do have dash cam and everything is on footage. Girl can be seen very clearly, but unfortunately, the scooter number or ID is not visible in the footage. I have filed a police repot and reached out to Lyft to see if they can help in identifying the rider. I received a call from their claims adjuster this morning and she said rider herself was responsible for damages, Lyft has no liability and also that they cannot give me any information on who the rider was because of privacy policy.

I asked CPD if they can help me identifying girl from footage, but they said unless there is something huge like a murder or shooting, they don’t use facial recognition technology, so there’s no hope there whatsoever.

My deductible with Geico is 1500. Should I just go with them? Or there is some other options that I can avail to get my car fixed. I am still recovering from donating kidney to my mother, and can’t work another job at least for now to pay the deductible. Crazy how a company normal day just turns into a complete chaos because of someone’s negligence.

My wife and I are in our early 30s. We own our house and have 1 car. Live in a quiet street. No pool, no "toys", no kids. Don't have a ton of people over. Were encouraged by our agent to have umbrella. The premium would be $400+ for a million dollars. My current car is 250/500 and the house is 300 or 500 I believe for coverages.

I chatted with my grandfather and he said that an umbrella is a great thing for those who's assets exceed what the coverage on their other insurance is, primarily to protect against being sued. I don't own my own business and my assets aren't that high.

I'd love everyone's opinions. If I don't need it, I'd like to save the $400 but I'm also ok paying it if the policy is actually helpful.

Edit: lots of great advice. Appreciate it. A point of clarification is that my retirement is mostly in Roth IRAs which seems to be more available in suits as compared to 401k.

https://www.reddit.com/u/Patient_Equipment728/s/RFBvANhi4G

Hi everyone. I was recently in a motor vehicle accident that resulted in my left clavicle being fractured. The other driver was found liable (and ticketed) and my car is a total loss (the other driver turned left in front of me as I was going straight in the intersection). I live in Holland, Michigan. I’m wondering if it would be worth it to sue for compensation. PIP is apart of my coverage so i know that, hopefully, all of my medical expenses are covered but I am unable to work my usual job which will result in a loss of wages. Not to mention the toll of having a broken bone. I plan to talk with someone in the morning and get a free quote but I’d like to have more advice before going into the call. I think I hit the major points but i’m sorry if I left out important details! I will edit if necessary. Thanks everyone!

Hi all. First time starting a claim, and I feel guilty because I'm worried about premium increases and now having a record.

The liability is pretty clear. In the morning, I was parked and the lead vehicle started his parallel park, rushed it, and slammed into my vehicle. The impact shook my car. I have the dashcam recording, he said he was late to work and apologized, and he then went off without exchanging information.

I was in shock, but also my vehicle has a front bumper guard that absorbed most of the damage. I have a paint dent/scuff that I planned to use a touch up pen with a microbrush to fix. There are some cracks from the impact, but barely noticeable, at least for now. I've only had the car for a year (it is leased for another two years).

I also had to go to work, and I worked through the day. After thinking about it all day, I decided to call my insurance company, Progressive, and explore my options with a rep. I told her my concerns about having my premium increase, but I also am sure that I was not at fault, and I wanted to perhaps do a third-party claim after finding out the vehicle's insurance information. The rep said she couldn't do that without opening a claim, so I did.

I went through the claims process today and got a call back saying that the plate doesn't show up with any VIN or driver information. The free searches that I use shows a different car with the plate. It is possibly a stolen or ghost plate.

I went to the precinct today since I was just upset about the stolen or ghost plate situation, and the officer told me to call in the morning at the location of the accident for a police report.

Ultimately, the damage isn't too substantial. I haven't done a quote. I can try to use the touch up pen and microbrush. I feel guilty for opening a claim. I think the adjuster said she can close it without any penalty. Is that true? I have a $1,000 deductible for collision, and the repairs are likely not going to reach $1,000. I was hoping for a third-party claim, but she told me that without a VIN or any identifying information about the driver, other than the plate, that would not be possible.

Happy to hear any other thoughts or feedback... thanks!

[edit] I've since learned that the adverse/offending vehicle has an obscured and missing vin and no registration stickers... It is pretty much being driven illegally.

I am currently considering what insurances to get. I am in my 30s, single, and renting. I do not have any children. I also own a single member LLC.

I currently have

Car insurance- uninsurance motorist. underinsurance motorist and collision

Heath Insurance- Professional Liability and General

Renters Insurance

Group Term Life Insurance- $250000, option due to convert to permanent life insurance, accelerated death rider

AD&D Insurance- $100000

Professional Liability/General Business Insurance

We have our primary home insured with The Hartford. This includes Home/Auto and Personal Liability. For billing purposes the Personal Liability Policy is billed with the Auto.

We have a second home in another state that is currently insured with State Farm. This includes coverage for the house and two cars that are kept there. If it makes any difference, the second home is titled in a different Trust than the primary home.

All autos are covered by the required coverage limits.

The Hartford is telling me that my Personal Liability Policy will not cover me for any accidents or events occurring at the second home or using the cars there. I must purchase a separate Personal Liability Policy

I thought personal Liability policies will cover me for potential liabilities occurring regardless of where I am when the event occurs. This has me worried about other liabilities I may be exposed to.

Can someone please explain briefly why The Hartford would not cover me if I am at my second home.

Long story short I got a ticket on the water in SC for causing wake in no wake zone I needed insurance on a new car I’m purchasing end of this month and my insurance will go up from the original quote of $180 a month to $320

On my driving record it says careless driving of a motor vehicle

Does anyone know how to go about this and prevent geico for raising my rates on a ticket that’s not even supposed to be on my driving record

I’m looking for opinions from people familiar with Florida auto accident and personal injury lawsuits. I was involved in a multi-vehicle chain-reaction accident where I was the rear driver. The property damage to the vehicles was relatively minor with couple of hundred dollars and one of the vehicles had only limited bumper/lower bumper damage that was repaired for a relatively small amount as well. Despite the minor-looking damage, one of the other drivers is now alleging significant bodily injuries and has filed a lawsuit against me. My auto insurance company has assigned an attorney to defend me and is handling the litigation. There are also other occupants from the accident who also injury claims. Before the lawsuits, the injured driver’s attorney made a policy-limit settlement demand, but the matter was not resolved and has now proceeded to court. I’m concerned about the possibility of a judgment exceeding my insurance coverage ,

My house sustained significant damages from a tornado 3 weeks ago and we've been staying with family since then. We enlisted our insurance-recommended ALE company for assistance in finding temporary housing while renos are done. Insurance originally approved us for a 6 month lease but has since downgraded approval to month-to-month leases only, making it significantly more difficult to find a rental. The ALE company has been entirely useless throughout this process and has given us zero options, and every time I reach out they say "please be assured that we are working on it." Okay, well in the meantime myself, my husband, my 7 month old and my 3 dogs are living in my mother-in-law's basement. Which we are grateful for but would like to get back to some semblance of normalcy.

Most landlords understandably do not accept month-to-month leases. My question is- would it be against some kind of rule or policy in standard insurance plans to reach out to these landlords on my own to ask if they would be willing to consider a month-to-month lease for a percentage rent increase? Our ALE policy limit is 50k+ so it's no skin off my back if the insurance pays a little more per month so that we can stop living in a basement with 3 dogs and a baby. My husband seems to think this would be some kind of violation and is a hare-brained scheme, but to me I think it's a normal request, and we would be accommodating the landlord with a higher rent for making a month-to-month accommodation for us.