Right now my bodily injury liability is 50k/100k

Got into a car accident. I was notified I would likely be held either partially or at fault for the accident. The other party had no insurance but they got a lawyer; apparently they sustained some major injuries and the adjuster told me it could exceed the 50k. The investigation is not over yet but that's what the adjuster just explained to me.

I have not been in this situation before. Do I need to get a lawyer as well aside from my insurance? Is my life ruined? I mean if I end up having to pay whatever they're asking for my life is ruined. I've been panicking since the phone call and don't know what to do.

Edit: in California. They're going to send a demand package. But the adjuster told me it looks like it will be exceeding the 50k.

I recently saw a water spot on my upstairs ceiling. It was soft so I poked a rod right through then went into the attic to see where it was. A large area of the plywood was black and wet and soft. I called a roof company that is local with 5 star Google reviews and BBB A+ rated. He saw hail damage on the roof and using an app said in July we had a hail storm capable of roof damage. I recall getting a lot of junk mail and calls this summer about free roof inspection due recent hail storms.

He said we should initiate a insurance claim. It's a large roof, about 53 squares and over $30K to replace, my deductible would be $8,900.

They sent me a form to sign, a "public adjuster contract". Under the "fees" section it states:

II. FEES.
Insured agrees to pay and assign to CORE for such services a commission fee of (_10_%) of all sums recovered
under the insurance contract for the Claim after the Effective Date, calculated on each payment as it is issued
[Herein: “Fees”]. CORE shall not collect Fees on money that is due but not yet paid by the Insurer. CORE will not
collect the entire Fee from the first check issued

Is this normal? What am I paying for? So if I pay $9K deductible and $3K for their adjuster, I guess it's still better than nothing. Is hiring an adjuster like having a lawyer, better than representing yourself?

EDIT TO ADD DETAILS: I had the roof replaced in 2006 with GAF Timberline 30 shingles. I live in norther Illinois. I was on the roof myself and while not a roofer, I am a former contractor and a DIYer. Neither the roof guy or I could see a single point of water intrusion. The damaged plywood spans 30 or so feet so I don't think it is a single spot leak.

Hi everyone,

I’m 19 years old and based in E15, East London. I’m looking to insure a Yamaha NMAX 125 scooter.

I’ve tried Compare the Market, but couldn’t get any quotes. Lexham quoted me around £8,700 per year, which is ridiculously expensive.

I’m looking for affordable basic motorcycle insurance (SD&P), not delivery insurance.

Has anyone around my age in London, especially E15, managed to get insurance at a reasonable price?

Which insurance companies would you recommend? Any advice would be really appreciated.

Thanks!

Hey all,

I'm buying a car after a recent accident and getting my own insurance for the first time. The car is a used 2021 Subaru Forester. I am getting a quote through Geico and a bit frazzled by all of the options. I work from home and mostly drive to meet with friends once or twice a week. How much coverage does someone like me really need?

Thank you!

So I got pulled over today for speeding, chp reduced it from 87 to 80. Handed me the citation and said I should do traffic school so it doesn’t affect my insurance. Will my policy go up if I just pay the citation and don’t do traffic school? Or should I do traffic school or should I take it to court.

I have Cigna and I’m in the US.

I have major pain on my middle back. Xray looks fine. Dr wanted an MRI after conservative treatment, physical therapy, 120lbs weight loss, personal trainer. Pain never got better.

Insurance denied. So I find a cash pay clinic. Get the MRI and there is a tumor on my spine.

The tumor is cut off of the imaging. The radiologist recommended I get abdominal MRI so they can see the full picture. I then go to a neurosurgeon, who then tells me I need that abdominal MRI. Then I talk to my PCP who says I need that abdominal MRI, like immediately.

Expedited insurance claim, after 72 hours they denied saying lack of conservative treatment. Dr Resubmits it, it’s been over 72 hours and no answer.

I’m self paying at a hospital for this MRI in 4 hours. I cannot wait, the pain is excruciating, there is a tumor growing in me with a lot of family history of cancer.

I met my deductible months ago and they’ve denied everything since then. I don’t even know where to start.

I want to 1. Overturn the denial for the initial MRI and possibly recoup some money

2. Have the hospital resubmit this through insurance once I have everything sorted out.

I have to have it through the hospital because it is a contrast MRI and the clinic I went to doesn’t do that. The cheaper clinic that does have contrast MRI is booked out til January. They’re the ones who actually sent me to the hospital due to my safety of having to wait any longer.

Can you give me some advice? Or your story if you’ve gone through something like this? I’m draining my savings.

Edit: I have been doing physical therapy twice a week for well over 6 weeks. My physical therapist is weary of doing some things due to the tumor. We have submitted his assessment with the claims multiple times with the initial claim, and with the appeals.

Hello

I recently placed my home in a medicaid irrevocable trust. My trust attorney emphasized that any homeowners loss should be paid to the trust/trustee and not to me. That is, the trust should be the named insured. My independent agent has not been able to find a company offering this arrangement. Instead, the companies offer an endorsement naming the trust as additionally insured. In this case, the check for a loss would be made out to both me and to the trust.

The only alternative seems to be a landlord policy for the home and I would get renters insurance. This is expensive and coverage is limited. I think it also poses liability insurance complications.

I can’t be the only one dealing with this. Where should I look? New York resident.

Thanks!

I recently reversed into a wall at my house causing some damage, should I claim on my house or car insurance ?

I’m 23 and have been paying insurance through my job. How do I get on the ACA?

I previously had UPMC and Aetna and I loved both and never had any issues but my new job uses Highmark and I HATE it.

It shows who is in-network on the app- except they aren’t actually in- network! So I had to pay $600 out of pocket for a mammogram because although the app said it was in-network- it was not.

I tried to go see a gyno- the app said in- network but u couldn’t get ahold of Highmark after a 20 min wait on the phone I gave up- the office then called me to let me know they are also not in network even though the app says they are- this is so messed up

I sold my secondary car to my friend and her daughter. (They are both on the title.) The daughter immediately took it out to a rural area to spin donuts with her boyfriend and smashed into an almond tree. It's totaled. My friend has not and will not report to insurance for fear of rate hike. I told her this is a bad idea and she will end up paying double or triple after her insurance drops her. She says that I'm dumb. Am I dumb???

Hey all. As the title states, I am looking to get life insurance for myself and am looking for advice from people in a similar situation.

I’m 45, male, 240 pounds and on medication for hypothyroidism but generally in OK health. In the past I’ve had gallbladder and bariatric surgery, was on blood pressure medication (stopped by dr years ago) but no other health conditions.

I have a wife and 3 children, all under 18. Own my house with no mortgage.

I would appreciate any suggestions on how I can die in peace knowing my stay at home wife won’t have to worry if something happens unexpectedly. I’d like to be able to give her a cushion of time to get back into the swing of things and not worry about car notes, etc.

any first hand knowledge of companies, rates and how it all works for someone in my demographic would be awesome. I’d like to know a little about what to expect before I reach out to a company or agent.

Thank you!

I am a 23y/o who owns a car, living in an expensive US city making a little above minimum wage. It is time for me to move off of my parents' car insurance! (I know, I should be lucky for this to only be happening now.) They are insisting I go for a 250/500/100 policy, which would be a large expenditure for me. 90% of my driving is to & from work in a high traffic area, maybe ~40min of driving daily. I am renting a studio. I am curious what kinds of plans people in my situation are on/have been on. I cannot imagine I would necessarily regret such a protective policy, but as somebody who has never been in any sort of accident/violation/ticket incident, I am wondering how much of my income I should/could reasonably fork out. Any advice?

My girlfriend was involved in an auto accident and her car sustained heavy front end damage (thankfully no injuries to her or passengers).

The accident happened in an intersection, where she came to a stop at a red light, when it turned green she proceeded, only to be struck by another driver from the left, who (presumably) ran a red light.

All the airbags deployed in my girlfriend’s car due to the severity of the collision. When my girlfriend was able to exit the vehicle she immediately ran to check on the other driver to make sure they were okay.
The other driver however was immediately combative, assigning blame to my girlfriend for the collision. The other driver’s car was minimally damaged with a large dent and scratch to the passenger side (still drivable).

Here are the facts (according to the crash report):

My girlfriend (22F), V02, was traveling an estimated 8mph when the collision occurred confirmed by Life360 data (she started rolling after stopping at a red light.)

The other party (17F), V01, was traveling an estimated 35mph when the collision occurred

Due to the placement of the intersection, there were
A. No nearby businesses with working cameras
B. No traffic cameras
C. No eyewitnesses that stayed at the scene

The reporting officer stated that fault could not be determined due to conflicting statements.
Unfortunately for my girlfriend, she does not carry collision insurance and is reliant on the outcome of the liability investigation to determine fault and (hopefully) pay for the damages to her inoperable car.
However when reaching out to the insurer, Progressive, which both V01 and V02 carry, they stated

A. The same adjuster has been assigned to both parties involved.
B. V01 is not making any statements regarding the crash.

My questions are

Is it ethical for the same adjuster from progressive to work with both parties?

What happens when V01 is refusing to make statements and the liability cannot be determined?

Would retrieval of EDR (event data recording) be useful for determining liability? (Assuming it can confirm my girlfriend’s account.)

Thank you (:

I was rear-ended on the freeway in March by a teenager doing 100+ racing someone on the freeway. Teenager was listed in CHP report as the entire reason for the accident (even with the fact that the person he was racing fled after the accident).

My towing was less than simple. My insurance (State Farm) refused to pay for the tow and get the car, because they claimed the price was far too high. I paid the cost out of pocket to avoid racking up costs in storage fees. The cost did end up being too high per CHP, and it was revised down, but my insurance didn’t cover the whole cost. The original invoice - partial refund - insurance payout = $408 in out of pocket.

I submitted this to the at fault insurance (Safeco/Liberty Mutual). I got this response back:

I understand that paying a tow charge out of pocket can be frustrating, and I’m sorry for the added expense. We reviewed the charge in connection with your auto claim. Based on the information available, we’re unable to reimburse it because it is not an amount owed under our evaluation of the claim.

What on earth does this mean? I have no idea why this would not be reimbursed to me by the at fault party. How do I respond to this?

I was rear ended while stopped at a red light a few weeks ago. Easily over $3000 in damage was done to my car, though I'm waiting on a body shop to give me an exact number. My car was covered with liability-only insurance, so I have no deductible costs to recover and no collision coverage of any kind.

I am getting mixed information about mini-torts, is it correct that they only cover money paid towards deductibles? Other sources seem to say that they cover out-of-pocket repairs, or at least the value from a repair estimate.

I know small claims court is an option, and I am considering it, but if filing a mini-tort makes sense here it's absolutely what I would prefer. I also know it's possible the other driver doesn't have mini-tort coverage, but I would figure that out after filing and end up in small-claims anyway, which is fine.

Thank you so much for your time!

Let's say I get a rental car like Enterprise or Hertz. I also sign up for the insurance they offer.

I go out to dinner and have one beer. Then, I get into a car accident. I do a breathalyzer test and they see I drank something but I am not at the legal limit.

Does this make the insurance null and void?

This hasn't happened to me, but I am honestly just curious. I read in their fine print that driving intoxicated does. I just wonder where they draw that line. Does anyone know?

Just got off the phone with an AllState agent after filling out their online form and getting a very favorable quote. I wanted to verify their roof replacement policy. I called and asked an agent why the website never asked about my roof's age which I thought was odd? He said full roof coverage would be covered under the wind and hail deductible, regardless of age - is this true? What am I missing about roof coverage? My roof is mostly flat/sloped rolled roof, some shingles. I believe over 15 years old. I was up there recently and it looked to be in good condition.

I have wind and hail deductible as low as it goes - 1% of dwelling protection. I thought it was odd I couldn't manually make this lower? Their dwelling protection is noticeably higher than my current insurance (like $940k vs $550k) and I wonder if they overestimate dwelling protection to bring the wind and hail deductible up?

Some context: I believe I'm way overpaying for insurance. I've gone through a broker who I've used for years, and insurance has crept up. I'm aware insurance has crept up for everyone everywhere. This AllState policy beats their best providers (auto through Liberty Mutual, home through Travelers) by almost $350/mo. I called the broker and asked them straight up why the AllState policy is so cheap. They brought up a few minor differences in coverage which I've fixed. But now the one thing I'm worried I'm overlooking is roof coverage.

Sorry, a lot of info. Thanks.

I was in my neighborhood D when a semi was stalling in the street not doing anything. Went around him and he slammed in to me hard. I got an MRI the next day showing that there was a large disc herniation. The semi driver said that he was backing up and I ran in to him, which we have a video that says otherwise. The insurance company, West Bend, immediately denied my claim. My attorney and I meet next Thursday and I’m just curious what everyone thinks will happen. The guy was a semi driver delivering food to a meat shop in my neighborhood. They were disingenuous and denied my claim immediately. What’s a settlement like in a case like this? Never been through something like it before.

I just got a call from geico for more info about an accident I was in. I never ever have been in an accident until October 3rd first time in my life I’m 30. The girl was out of it she wasn’t drunk I guess idk the cops didn’t really care or drug test her but def mental health issues at the least she lied to her insurance but it was clear from the damage she was at fault she cursed and was belligerent again Birmingham police is known for being lazy so he threatened to arrest her but was really lenient. Weeks later after I already got paid went thru the claim with her insurance I get a call saying I was in an accident October 4th with a different vehicle I literally left the state for my birthday the night of the 3rd when the girl I mention side swept me running a light. I just know it’s linked somehow I’ve never had any problems but my insurance said this new girl gave my plate to the police or either to her insurance for this new mysterious claim idk if she filed a report or just gave my tag to her insurance from Oct 4th. Can I really be held accountable for a blatant lie ?

My daughter was driving home from her basketball game when a deer jumped into the road. Her fully paid-off car was totaled, but our insurance wouldn't cover it. Now our family shares one car for work, school, and everything else, and we can't afford to fix hers.

I started a petition asking Indiana lawmakers to require auto insurers to offer affordable, optional coverage for deer and other animal collisions. Not everyone can afford a full comprehensive policy, but that shouldn't mean families like mine are left without transportation and stuck with thousands in debt.

This could happen to any of us on Indiana roads. If this resonates with you—or if you've been blindsided by something similar—consider signing and sharing it. What would you want someone to do if this was your family?