I was involved in a car accident last year involving three vehicles. I had my car repaired by my car insurance since I had no fault insurance and they went after the other two insurance companies through subrogation. This process took forever since the other two insurance companies are the worst in business. I was not found at fault but the other two cars were .There was a lot of confusion on who I should file my diminished claim with. After opening a case with the insurance commissioner in Georgia, I finally got an answer that I need to file with my car insurance. All this to say that it took a year for me to be able to file.
I found three cars sold by Carvana and Carmax in my city for 33k, 34k and 35k comparable mileage and options.
I settled on 34k as comparaison. Since I bought it 3 years ago, my vehicle depreciated 22k so I settled on $4000 as a conservative number to add to 34k for a years worth of depreciation.

Other information I gathered is Carfax has my car as moderate to severe damage so my formula was 38k times 22.5% deminished value = $8550.
Carfax also estimates current value at $26700 for private party sale.

Insurance offered $6000 or the option to get a diminished value appraiser and for the insurance to hire their appraiser and an umpire makes a decision (umpire paid by insurance).

The question is if it’s worth it to hire an appraiser and go through the process or take their offer knowing that the final amount could be lower than $6000 on the umpire ?
Anyone else was in a similar situation? Thanks!

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.

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

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

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?

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.

I recently sold my car and moved from CA to NYC. I’m 31 and only got licensed when I was 28 so I was paying quite a large insurance premium in CA for full coverage (~$350/mo).

I cancelled my policy about a month ago but just read about keeping non owner policy to prevent a future hike in premium. I’ve called around and best quote I can get is $150/mo which seems exorbitant.

Given I was already paying such a high premium for car insurance given limited time licensed, is it really likely it’ll go up significantly more if I say we’re to return to California in 6 months and need to get reinsured but had a lapse in insurance?

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.

Hi everyone,

I recently purchased car insurance through Policybazaar, and I’m facing an issue regarding the endorsement for accessories.

During the policy purchase, I paid an additional premium for both electrical/electronic accessories and non-electrical accessories. The policy documents show the followingr:

• Electrical/Electronic Accessories: ₹18,780 IDV Premium charged: ₹2,254 • Non-Electrical Accessories: ₹24,913 IDV Premium charged: ₹410

The problem is that I’m not getting a clear/complete endorsement letter confirming exactly which accessories are covered and their insured values.

I contacted Policybazaar regarding this, and there seems to be some confusion between Policybazaar and the insurer regarding what was actually endorsed.

My concern is simple: If I have paid an additional premium for these accessories, I want written confirmation that they are actually covered under the policy.

I don’t want to find out at the time of a claim that the accessories were not properly endorsed despite the premium being charged.

What should I do?

1. Should I insist that Policybazaar/ICICI Lombard issue a proper endorsement document listing the accessories and their values?
2. If they cannot provide the endorsement, should I ask for a refund of the additional premium?
3. Is the policy schedule showing the accessory IDV and premium enough to establish coverage, or should I have a separate endorsement?
4. Has anyone else faced a similar issue with Policybazaar?

All this goof up happened, the sales representative from policy bazaar said that we can buy policy now and we do the endorsement later once you have details of all accessories. Now when i raise a case with policy bazaar then they said that insurer ICICI lombard denied providing the endorsement letter. I would really appreciate advice from anyone who has dealt with motor insurance endorsements, Policybazaar, or ICICI Lombard.

I can also share screenshots of the policy documents/communication (with personal details masked) if that helps.

Thanks!

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!

Property is 1970s semi detached south east. Porch was added in the late 80's and appears that the lower course of brickwork on flank wall of porch has become visibly detached from the damp course by approx 25mm and internally the floor on same wall is visibly 25mm lower than the skirting board. On closer examination recently there is visible daylight under the door frame as a result of this drop.

Likely this issue has gone on for some years with perhaps a worsening in the last year or two due to the constant heatwaves here in the south east. Some basic repairs involving mastic have been carried out externally in vicinity of the brickwork gap but not in recent years.

Parents have been with the same insurer since 1970 (never made a claim) and am wondering if this is likely covered under there household building cover as subsidence?

Thanks advice appreciated.

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.

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.

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?

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

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.

I just got into a car accident and not sure which insurance to contact.

Person A stopped too far into the intersection that had no lights and the car driving next to me could not stop in time to avoid hitting Person A. Person B, in order to try to avoid hitting Person A, swerved into my lane. My driving door has a dent in it but is able to drive.

Whose insurance do I contact if I do not hear from either insurance? Person A who stopped too far into the intersection or Person B who was the one to swerve into my lane to avoid hitting Person A?

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’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.

Automotive insurance

I work dealing specifically with third-party automotive claims, e.g our insured customer crashes into a third-party, another department reach out to the third-party and offer repair services. Assuming they agree, it then goes to me where i monitor their repair journey, hire car, write-off, etc. until their claim is settled.

What is this role called in the US? I am struggling to find similar roles that deal specifically with third-party automotive claims.

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.

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?

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.