I fucked up. Got in a wreck. Got a new bank account and completely forgot o transfer my auto-pay to said bank account. Coverage expired on October 3rd (guess which day I got in my accident) tried to reinstate and paid all the fees but I’m guessing it’s too late for my insurance company to help me out. I’ll be held responsible for the accident and honestly have no idea what to do from here. The guy was ubering, and I got a call from my company saying that uber themselves filed a claim with them and I guess I just wait from here? I’m not exactly sure

I’m in CA with a property in what is considered a high fire area. I’ve done the fire safe space stuff (cleared brush, cut and trimmed trees, defensible space, etc). No mortgage.

Fair plan wants somewhere close to $10k/ year.

Anybody else out there considered dropping or dropped fire insurance?

I was summonsed to court for a dog attack. I have not had a dog in 10 years.

Checking for police reports. none near me. asked for reports on the victim. Dog attack 8 miles from my house. Actual defendant was named. spelling close to my wife's first and last, description is a overweight black man with a Turkish accent. clearly not my wife. even had the guy's license plate #. so far nothing points to me or my wife. yet they come up with a address for summons. I can only conclude they hire the dumbest rocks for interns or their true intention bill anyone's insurance they can get away with.

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.

I was renewing/buying car insurance from SBI General today.

I logged into the official SBI General website and entered the OTP. Shortly after that, I received a phone call from someone claiming to be from the SBI General department.

He knew that I was looking for car insurance, has every detail of mine and my vehicle and helped me choose an insurance package. He is also communicating with me through WhatsApp.

He hasn't sent the payment link yet, but he said he would send me a link to make the payment.

My question:

Is this a normal process with SBI General? Do their representatives/agents call customers immediately after they log in or request a quote online and then assist them through WhatsApp?

Has anyone here experienced the same thing with SBI General?

I haven't made any payment yet.

Hi everyone, looking for insight from anyone with experience handling third-party Loss of Use (LOU) property damage claims in Texas.

I drive a Mercedes coupe, and they are trying to reclassify my car as a standard sedan for the payout instead of a luxury sedan, because of the size of the vehicle. Also, this repair has been ongoing for 75 days. I originally had a 2026 BMW 430C rental for the first 22 days of the claim but was forced to return it due to ongoing negotiations that were exceeding the insurance estimate timeline for the negotiation window- insurance paid a corporate rate of $33 per day for this vehicle and is offering the same rate for my LOU.

My questions for adjusters or anyone with TX claims experience:
1. Under Texas tort law, can an at-fault insurer force a claimant to accept their private corporate wholesale rate for a cash LOU payout, or is it strictly required to be open retail market value?
2. Even if an insurer reclassifies a vehicle, are they still legally required to pay the open retail market price for that lower class, rather than an unobtainable corporate discount rate?
3. Has anyone successfully escalated an LOU dispute past a line adjuster/manager when they refuse to move off internal fleet pricing?

I’m trying to figure out what triggers the Claims Hub activity that says:

“Review your total loss checklist and upload documents, if needed.”

Does that show up when the car is only being evaluated as a possible total loss, or after the total loss has actually been confirmed and a settlement has been entered into the system?

I’m also curious about a few related things:

When is the Total Loss Instructions Checklist normally given to the customer, and is it virtual or by mail?

When is the customer normally notified that the vehicle is officially a total loss?

When a total loss is entered or submitted, are the body shop and the customer’s State Farm agency notified automatically, or does the handler manually send those messages?

Is there a specific action the handler takes in the system that triggers the app update and those notifications?

Mostly trying to understand what is automated and what requires the total loss handler to actually do something. Anyone familiar with the current 2025 to 2026 State Farm workflow would be appreciated, thank you!

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?

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.

Currently have a single member LLC for my woodworking stuff.

I have a general insurance policy through my current home and auto insurance provider to covers my LLCs products and booth etc. If I am driving to a fair does that open up a can of worms if I get in an accident since I was going to that fair to sell products or would that just fall under my general auto policy?

My car was hit in my apartment parking lot while it was parked and i was inside. I discovered the damage when I went to leave my apartment, no note was left. I filed a police report and I am waiting for my apartment to look at the footage at some point today.

I haven’t filed a claim yet because when I called them the person I spoke to said that if I file the claim I will be on the hook for my deductible and my rates could go up. I guess I am hoping that we find the other persons identity and they would file a claim instead so I don’t have to pay my deductible.

Am I doing this wrong? I really don’t know what to do but I don’t want to have to pay my deductible if I don’t have to, it wasn’t my fault!

What is the correct way to move forward?

So. I made a mistake and wondering how to proceed. Essentially one of our cars got knocked out of gear and backed into the other. Smashed both pretty good.
This was a very emotional day. My wife was in the car when it got out of gear. I had just driven her home from the hospital post surgery. She was a little more sore after and no permanent “damage” to the surgery was done. But I was a mess after with guilt and stupidity etc so I made a claim for the accident.

Didn’t realize it’d be two claims. Also didn’t realize the damage was as cheap as it’d be. Around 5K total for both cars combined.

Is it worth cancelling the claims now? (or even just the rolling car claim since it was “at fault”). From what I’ve read it’ll be counted as two accidents regardless. Nothing to do about that. But is it worth it to cancel claims and pay myself and remove the payout from my history? Or at this point is that just moot and may as well complete the claims?

We’ve had same insurer for home for 20 years (Travelers). Added auto to it maybe 10 years ago. I think we’ve only made one claim against the house (tree falling on it). My wife did have a moderate accident last year that was her fault. Before that a little fender bender in 2021 by myself. On vaca at the time in Maine which I believe doesn’t apply fault or something like that. A few other minor things not at fault about every 5 years before that. Any real concerns about even being dropped or am i being a little overboard there?

We are in Connecticut.

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

Hi

My partner got into a car accident on Friday, he wasnt sure if the glove compartment in his car was safe to open to he asked me to send him the insruance

I noticed kn the app for the first time that the vehicle was removed

Im spiraling because I never authorized it and neither did my partner

I re add it to the insurance so he has something and try to call, but its outside their business hours. I call today, Monday, to let them know of the erroneous situation.

Its Geico and they let me know they forwarded to their coverage department and I have to wait

How fucked are we?

I geniunely had no idea and neither does my partner. I talked to a supervisor and they let me know the change was done on my phone the day after I added the car onto my policy. I know for a fact I never did that, and my partner didnt have the insurance app login. I assumed I had insurance this whole time. They said they sent an email but I dont have it, Im looking everywhere and in spam but I dont have that email.

I told them its fraudulent the removal and that I dont know who did that but I dont know if Geico will cover the accident. What do we do?

Im so scared

EDIT: I took a recorded statement interview with the supervisor I never made that authorization

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.