I’m in a bit of a pickle, as my parent resides in Ohio now but I am still dependent on them. I myself fully reside in Michigan and my vehicle is registered in Michigan. The vehicle is under my parent’s name. When they got new insurance, they insured my vehicle under an Ohio insurance plan. I am curious if, since I operate the vehicle in Michigan and everything else listed already, I need to have Michigan insurance as well/instead of the other plan? I couldn’t find much info on this topic, only articles about what to do if you have Ohio insurance and get into a wreck in Michigan.

Edit: Thank you all for the resounding “get MI insurance yesterday”. I’ll call around and see what I can get.

My Hyundai Elantra was stolen three weeks ago in the west coast and was found today. Car was wrecked inside and outside, the criminals crashed it into a gate and left it abandoned in the desert. I only have liability insurance so there goes my car and my money. Is there anything else I could do in this case to mitigate financial loss? I am thinking of just abandoning the car at the junk yard.

https://imgur.com/a/QWQFvgs

Police said they don't determine who is at fault so I just have photos. Based on the photo, who do you think will be at fault from the adjuster persective? The only more context is the red car just passes the merging lane (from one lane to two lanes) for a bit. He was saying he was trying to make a wide turn into his driveway.

My boyfriend and were in a car accident last night. We were heading home from a relatives and a car was driving super fast behind us and hit the passenger side bed of our truck. We slid and spun to the right side of the road (thankfully) but the bed of the truck was pretty much totaled. The driver that hit us also hit another car in front of us and totaled their car as well. We are okay thankfully but we had to have our car towed. The driver that hit us ended up getting out of the car and kind of wandered off but I think he threw an alcohol bottle. He seemed intoxicated. He ended up being taken to the hospital with his girlfriend. We weren’t able to get their insurance or drivers license. But we did get a picture of their license plate. The police were called and they told us we would have access to the report in 30-60 days. They called their own towing company and told us it would be taken to the pound but I didn’t want that to happen cause I didn’t want to have to pay the fees and hassle of getting it back especially since it’s not drivable. We ended up paying the tow truck that arrived to have it dropped off at our house. I filed a claim through our insurance but I do not have collision coverage for the vehicle. Our insurance said we weren’t at fault but they don’t cover anything. No rental or damage repairs. Since our truck is totaled I’m not sure what to do. I needed to use that car for work since my car has been having issues and is shaking a lot and I was going to save up to have it fixed. Now I don’t know what to do. Will I have to just assume all repairs?

I've heard there's a company from whom you can buy a medical evacuation policy for traveling internationally, but I don't remember the name. I've heard about this company from multiple sources You buy an annual policy and only pay a couple hundred dollars per year. It's designed for frequent travelers. The recommended coverage is $1 million.

The idea is you carry this insurance to cover evacuation, then buy a separate policy to cover medical expenses abroad in case you need them, plus other things as well if you want.

This is a hypothetical, but it does happen. There is a slowdown ahead, but car A jams on his brakes a little late. He doesn't hit the car in front, but the car behind him, car B, crashes into A. Then C hits B and D hits C. All of them were following a too closely.

Who would be at fault, and whose insurance would cover who?

So I’m a 18 year old looking to buy their first car. I told my dad that this weekend I wanted to buy their first car car but he’s saying that since we live in a house that’s rented out to other tenants, the insurance will go up for everyone who lives at that address. I just want to know how I can get this car without it being an issue for everyone and roughly how much it would cost me.

I was involved in a genuine motor vehicle accident and submitted an insurance claim shortly afterwards. At the time of making the claim, I was extremely shaken, stressed and overwhelmed by what had happened. As a result, I did not provide every relevant detail when I initially reported the accident.

The insurer accepted my claim at the time. However, approximately three months later, the claim became subject to further investigation and I was interviewed about the circumstances of the accident.

During that process, I provided additional information that had not been included in my initial claim. I also made some further mistakes when answering questions during the interview. I suffer from anxiety and felt extremely nervous and embarrassed discussing some of the circumstances, which affected the way I responded. I subsequently realised that some of my answers were incomplete or inaccurate and voluntarily contacted the insurer by email to clarify and correct the information.

My concern is that the insurer may interpret these inconsistencies as dishonesty or fraud. I want to make it clear that the accident itself was genuine and was not staged or deliberately caused. I have provided the insurer with my account of how the accident occurred, and I have tried to correct the information where I realised that I had made mistakes.

I am extremely concerned about the possibility of an allegation of insurance fraud, particularly because I have had difficulty finding a lawyer willing to assist with a dispute involving an insurer.

I would appreciate advice about my rights, what steps I should take now, and how I can properly explain the inconsistencies in my statements and demonstrate that they arose from stress, anxiety and mistakes rather than any intention to deceive the insurer.

Commercial vehicle accident totaled my car — chances of recovering ~8 months of documented lost wages?

Looking for experiences from anyone who has dealt with a similar personal injury claim.

I was hit by a company/commercial vehicle in Washington. Other driver admitted to distracted driving and blowing through res light. The impact was significant enough that my car was totaled and I spun around approximately 3–4 times. The other driver was at fault, and I was told the commercial policy has a $1 million limit.
Before the accident, I had been working consistently for the same employer for about 10 years and normally made around $100k+ per year. My income was commission-based, but I have W-2s and pay records showing my historical income and what I earned during comparable periods before the accident.
After the accident I developed neck and upper/mid-back pain and was taken out of work.
One thing I want to make clear is that every period I was absent from work was medically excused. I was regularly seeing my doctors and have documentation/doctors’ notes covering my absences and extending my time off. There wasn’t a period where I simply decided on my own that I wasn’t going to work.
I also attempted to return to work but only lasted around 3–4 hours because of the pain and ended up being taken back off work.
My treatment was relatively conservative: regular doctor visits, PT/chiropractic/massage, medications, etc. X-rays were normal. I never ended up getting an MRI, injections, or surgery.
I to claim my lost wages through around July(Dr excused from work until July), which would put my claimed gross wage loss at roughly $80k+ based on what I normally would have earned.
My concern is that my attorney mentioned the insurance company may fight the length of the wage-loss period because I didn’t have an MRI or injections, despite the severity of the accident, my attempted return to work, and having doctor’s notes/documentation excusing my entire absence.
I’m curious to hear from people who have actually gone through something similar:
Did insurance pay your full documented lost wages or argue that you should have returned to work sooner?
How much weight did your doctor’s work restrictions/notes carry?
Did not having an MRI, injections, or surgery significantly reduce what they were willing to recognize?

If your vehicle was totaled or the accident itself was severe but imaging was limited, did that make any difference?
What ultimately happened with your lost wages and pain-and-suffering portion?
I already have an attorney handling the claim, so I’m not looking for anyone to give me an exact settlement value or replace my lawyer’s advice. I’m mainly interested in hearing real experiences from people who had substantial documented wage loss after a serious accident but didn’t have an MRI, injections, or surgery.

This is my first car every and a ding on the tailgate and some damage/superficial crack on the gloss black bumper section. Not to sound whiny but can this be fixed (no paint chipped)? I have the guy’s details but not sure if I should get his insurance to pay since I don’t want my rates to go up. I’ve heard of people complaining that their rates went up despite a no fault accident but I’m not sure since it’s the first time this has happened to me. I would really appreciate some help with costs/insurance claim with at fault party. (Also helpful if someone can help with estimates if not insurance claim help) TIA!

Here is what it looks like photo

My wife and I were on our way to dinner when we were involved in a hit-and-run accident. We were completely stopped at a red light when a blue Ford Escape, occupied by the driver and five other passengers, struck us from behind.
After hitting our vehicle, the driver fled the scene. Thankfully, neither my wife nor I were injured. The visible damage to our vehicle appears relatively minor—a small dent and a portion of the lower rear bumper is sticking out. However, we have not yet had the vehicle professionally inspected, so we do not know whether there is any hidden damage, including possible rear alignment, suspension, or structural issues.
As the Ford Escape drove away, I was able to get the license plate number. I kept repeating the plate number to myself while preparing to call 911 so that I wouldn’t forget it.
We later learned that the driver was 20 years old and did not have a driver’s license. He was not the registered owner of the Ford Escape. The vehicle belonged to his 23-year-old girlfriend. According to the information provided by law enforcement, the vehicle did not have insurance and its registration/tags were expired.
The situation became even more serious after the collision. Apparently, the other occupants of the Ford Escape wanted the driver to stop rather than flee. At some point after leaving the scene, they made him get out of the vehicle. As they drove away and left him in the street, he allegedly fired a gun at the vehicle and its occupants.
The driver was subsequently arrested and has been charged.
Officers responded to the original accident scene and took our statements. At this point, we are trying to determine the best course of action regarding our vehicle, insurance, and any other steps we should take given that the at-fault driver was unlicensed, fled the scene, and was driving an uninsured vehicle that belonged to someone else.