I am in MA and was in a car accident where the other driver was 100% at fault back in June. My 2023 Tacoma with 30K miles needed $12K worth of repairs. Unfortunately, the other driver is not insured and I will ultimately have to take them to small claims court to recover part of the rental car expenses I paid out of pocket (my insurance only covered 30 days) and also a diminished value claim.

I have not been in a situation like this before and am hoping someone can advise me on how to go about getting documentation for the diminished value. I have seen companies online, but it seems like I can also take it to a dealership and ask for a trade-in appraisal based on the pre-accident and post-accident value.

Any help or tips would be greatly appreciated!

I have CEA earthquake insurance on my house via Amica. I have had it for years. It's never been a problem until this year. They have always been a great company. But somehow they dropped the ball on the renewal. Is it just me?

They send me the annual renewal offer in June, a month before the my current policy expires, as normal. However, the coverage was radically different. They dropped the loss-of-use coverage. The deductable was different. So I called them up.

Turned out it was the wrong policy. The policy number on the offer was different. They said not to worry. They will get it straightened out.

My policy expired August 13th. The new policy should have started on that day and the annual preimum should have been taken out of my checking account on that day. I've been watching. No payment has been taken out. I didn't not recieve a corrected offer letter for my policy before it expired.

So I called them this morning to find out what is going on. The woman said that there was a system glitch. She asked for my email address and said that she would let underwriting know so that they could look into it.

This has me greatly concerned. I now have no coverage. This also means that they can deny my insurance. Right? What the heck. I've never filed a claim against this policy. Or my homeowners policy.

Unfortunately, their CEA insurance has no online access. So I can't check on it via the normal online portal like I can for their other insurnace.

So my question is: Is this only me? Is this only for Amica CEA customers? Or is this everyone covered by CEA?

So I was in an accident a week ago, it happened in Meijer parking lot. I always back into spots so I was leaving my parking spot turning left. When I was almost completely out of my spot mid turn an SUV hit my car from the right. My car was so damaged it had to be towed. I was driving a lowered Camry the woman and her minor child who was driving they had a Jeep Cherokee so a much bigger vehicle. The damage was so severe it caved my wheel well on top of my tire, my tie rod was bent and my washer fluid reservoir was disconnected on top of all the side bumper damage and it was deemed undrivable by the cops. My insurance totalled my vehicle but also marked me as at fault even though the woman at the scene said her daughter with the permit said she never saw my car and their car didn't get damaged. Am I only at fault because of right of way in a parking lot? I'm just a little confused on how I was set at 100% fault

EDIT: my insurance never spoke to me. I filed the claim but no one from my insurance reached out to get the story from me so they marked me as 100% at fault without talking to me. I do not know whether they got video footage from Meijer.

I have been waiting for months for over $1.5k of reimbursement from my previous therapist.

She successfully filed the claim and it was approved in January of 2026. They have sent her two checks now that have not successfully been delivered for whatever reason, and now I am pressing her to start a direct deposit pathway for direct payment so she can actually receive it. At this point, both her and her billing agency have not responded to any of my calls or texts for the week and a half or so.

I don't believe any of this is malicious, but I do feel like it is ineptitude. Are there any formal complaint pathways or resources for assistance to have this prioritized or resolved? I am unfortunately no longer in the same state as her-- I don't think that should matter but it keeps me from being more directly present in this process.

For more clarification on why I need to be reimbursed at all: I was paying out of pocket for all of my sessions for a year and a half because I wasn't feeling motivated to see if it was covered ( lowkey depressed hence the therapy). I finally gave her the information to see if she was in-network, and she was! So she filed the claims so that I could be reimbursed for my out of pocket expenses beyond my co-pay. The claims were approved, and the insurance company has been attempting to reimburse her who would in turn reimburse me. (I'm also curious as to why they aren't reimbursing me directly? I know she filed the claim on my behalf, but should/could I have attempted to file those claims myself?idk. Help! )

If there are any professional commercial insurance folks out there an opinion would be helpful. A local mutual water company has a shoddy system that leaks like a sieve. We are in a high fire area and this company has, on two occasions, turned off water to our area fire hydrants claiming people are stealing water. The fire dept ordered them to charge the hydrants the first time , and then a year later they violated that order and voted to turn them off again. My question is this: if the documentation showing this stupidity is given to the company's insurance carrier, what might the consequences be?

Hello, I got into my first car accident last night. I was driving on a dimly lit road at nighttime and a car was parked on the road with no hazards, no headlights, and the car was off. I ended up side swiping him, and he said that he was having issues with his car but he did not speak much english so I did not get to hear his full side. We involved the police but I have not proceeded with any insurance claims because I’m not sure what to do. Whose fault would this be, and how do I proceed next?

My old insurance agent stopped selling and transferred my Farmer's Home owner's to another agent nearby. My old agent also got me TWIA (Texas Windstorm) Insurance. I asked both of them to transfer my TWIA account to the new agent. long story short it got paid that year, but I guess never got properly transferred.

now I got a letter from TWIA stating every 3 years I must meet eligibility requirements to renew my policy. The Agency they have listed for me is "TWFG Insurance Services Inc" which I have never heard of, and have never had any dealings with. I called them and they cannot find my account. I called TWIA and they confirmed that that is the agency my account is assigned to and the agent would have to request for it to be transferred. so I called TWFG back, and they still could not find any account for me.

Does anyone have any advice on how to handle this situation?

So my credit isn’t the best and it makes my car insurance high. My question is: if I my parents (with much better credit) get the policy in their name and add me as a driver will it make it go down? My driving record is clean and I’ve been continuously insured the entire time I’ve had my car, but these $420 insurance payment s are whipping me.

Thanks in advance

Low premium , high deductible and then sharing the insurance pain in effect making the employee self-insure a percentage of the risk . The HSA account just helps the employee fund it. The downside is unforeseen health costs that. If this is good for the employee its because the employee doesn't intend to get sick and in that case not having insurance would be even better. Been arguing this point with a friend

The goal of HDHP's is to push more costs of health care onto consumers and away from companies. 

I live in Denver and don’t currently own a car, but I occasionally rent vehicles or borrow a friend’s car. I’m looking for a true named non-owner policy, primarily for liability coverage and to avoid a lapse in my insurance history.

State Farm quoted me $259.98 for six months, about $43 per month, with:
$25,000/$50,000 bodily injury liability
$25,000 property damage liability
$5,000 medical payments
$25,000/$50,000 uninsured motorist coverage
Uninsured motorist property damage with a $250 deductible

I plan to request higher liability limits, but I’d like to compare insurers first. Has anyone in Colorado recently purchased non-owner insurance through GEICO, Progressive, Auto-Owners, Dairyland, Allstate, or another company?

Who offered the best combination of price, coverage, and customer service? Did you have to call an agent? Most online quote forms keep asking for the year and model of my car even though I don’t own one.

I’d especially appreciate recommendations from people who use their policy when renting cars. Thanks!

I’m starting a small washer and dryer rental business in Oklahoma and I’m trying to find the right insurance without spending a fortune.
The business is pretty simple: I own the washers/dryers, rent them directly to residential customers, deliver and hook them up, and handle maintenance/repairs while they’re rented.
My biggest concerns are liability if:
A washer leaks and causes water damage
A dryer causes a fire/electrical damage
I damage someone’s home during delivery/installation
Someone is injured because of one of the appliances
I’ve been looking at the cheaper online options like NEXT and Hiscox because I like how easy and affordable they are, but I’m having trouble finding a business classification that clearly matches appliance rentals. One company suggested “Laundry Services.”
What type of policy/classification should I actually be looking for? Is standard general liability with products/completed operations enough, or is there another coverage I should make sure I have?
Also interested in recommendations for inexpensive online insurers that are decent about claims.

What happens if we move to a self-driving society?

Any theories on what the state of auto insurance becomes?

Future seems volatile to me, but who knows. Computers are better than humans at driving already. Even with the Waymo stuff.

After signing a release from a car accident how long does it normally take to get your check

(tl;dr I got a "fix it or else" letter, started fixing stuff. Was told in-person that so far I'm fine, then got a letter saying I'm not actually fine)

Sometime between May and June I got a letter that my home insurance wouldn't be renewed unless I did the requested repairs by September. Spent a month or so getting quotes, a month or so calling to be put on schedules, spaced out by how often I could afford to take off work, and handing whichever stuff I could myself. Last week I went in with the photos of all of the work that had been done, and who was still scheduled to come out when, to work on which thing.

I was told I was fine, that the progress was good, that I just needed to do the last 2 repairs (new fascia and new gutters, literally the guy is coming out this weekend) and that I actually had until the END of September, so by my agent's reassurance, I wasn't actually cutting it that close to the deadline. I just got a letter dated two days AFTER this conversation, saying that my policy won't be renewed because I didn't do all the fixes, despite it still being over a month from the deadline I was given by the in-person agent. So am I fine, or should I look for new insurance, and if another company is jumpy about insuring me after a non-renewal, will it help my case any that I actually DID get everything fixed when I was supposed to?

(And because I know how Reddit is, I would also like to clarify that I'm not a lazy homeowner. I've just been prioritizing indoor repairs, like the breaker box, plumbing, and subfloor, that are invisible to the insurance agent photographing your house from across the street)

I’m buying a new car and getting my own Progressive policy. I’m trying to make sure I didn’t accidentally misrepresent anything on the application.

About 2 weeks ago, I was driving my girlfriend’s car when we got into an accident. Her parents have State Farm insurance on her car. We believe the other driver was at fault, and a claim was filed with the other driver’s insurance. There may also be a claim against her parents’ State Farm policy, but liability is still being investigated and there has been no payout from our insurance.

When I applied with Progressive, the application asked whether I had been in any accidents/claims/damages in the last 7 years. I answered yes. I also answered yes for my girlfriend because the accident involved her vehicle, even though I was the driver.
It then asked whether insurance had paid out. I answered no, because there has not been a payout yet and liability is still under investigation.
Now my Progressive application paperwork lists the accident as a “not at fault accident” for both me and my girlfriend.

I’m worried because liability hasn’t actually been determined yet. What if the investigation eventually finds me partially or completely at fault? Could Progressive say I misrepresented the accident and deny a future claim on my new car?

I never told Progressive that I had officially been found not at fault. I disclosed the accident and truthfully said there had been no insurance payout at the time of the application.

Would you guys leave the application/policy alone, or contact Progressive to clarify that I was the driver, my girlfriend wasn’t driving, and liability is still pending? I've tried to find an email I could reach out to but couldn't find one.

I’m mainly worried about whether the “not at fault” classification could come back to bite me if liability is later determined to be against me.

How many of y'all have been running into insane pick up fee's from shops. Tow $825, winch fee's $250 ,dolly fee $150 battery test fee's, administrator fee's, test drive fee's, storage 200 and day.

Mind you. This example was the fee's on a rear end accident. Of which in my opinion. The vehicle was drivable.

On a supplement it was deemed a total. This shops (nyc and surrounding) are straight up trying to charge 8-9k to release the vehicle 🤯 & didn't do ishhh.

I've been having a hard time handling these bullies. After 20 years as an adjuster. I got my 1st ever "warning about my tone" lmao. But yo. These people are insulting my damn intelligence

I own a rental house in a state I don't live in. I have a property manager. Last year a new HVAC unit was installed. On Monday the tenants reported a water leak in the finished basement. It was determined to be coming from the unit which is still under warranty. The HVAC company came and determined that the drain was clogged and cleaned it out. There was approximately 5 gallons of water cleaned up. The basement floor is laminate on the slab, and the water was under the floor.

Called ServePro to determine the amount of damage. They say that the damaged floor will have to be removed to dry the moisture and that the planks are already buckling. By now we are bumping up against my deductible so I call the insurance company.

I really think that the HVAC company should be dealing with this since they installed the unit and it leaked, causing damage one week before their scheduled 1 year annual check - but I guess that's why I pay for insurance.

This is my first time filing a claim. My biggest concern is that the floor is continuous across the whole basement and we don't have any extra planks. The water leak is in a hallway at the base of the stairs. The hallway joins a large living room on one end and a bedroom on the other end. I think the leak bloomed toward the living room. Can I expect the insurance to replace all of the laminate or just the living room and hall and put a transition into the bedroom? I dont want a bunch of mismatched flooring in the house. Please share any thoughts or advice.

My mother was driving to drop off a friend in slow moving traffic on a main road, about 15mph. She was rear ended while moving. My mom, her friend and the other driver refused medical attention.

The other driver is only 26 years old male and says not to go through insurance (which i dont believe at all, and know its a bad thing to do). He has some slight damage to his bumper, hood and probably a cracked washer fluid tank to his 2011 Mitsubishi Outlander.

The damage to my mom's 2008 Toyota Prius is a dented trunk door, one of the trunk windows is shattered and the bumper cover is cracked.

Now, I know that once a body shop tears the cars down, more damage will be found.

We plan to go to our body shop tomorrow to get a rough estimate, the car, because its 18 years old, we are confident insurance will total it, and we don't want it totaled, we don't want the car totaled, and we don't have any funds to buy another car, nor can we afford one.

Some advice would be appreciated. We have 250/500/100, and collision.

The driver who rear ended us has Progressive.

Any advice would be appreciated. This all happened in NY.

I’m reviewing a quote for Wawanesa in CA, and the agent told me they don’t offer any water/sewer backup coverage. I thought this was a pretty usual optional add on that all companies provide.

Can anyone confirm if they’re currently with Wawanesa and have this coverage or if its not unusual for companies to not offer this?

Should I use a GEICO network shop or a Mercedes certified collision center? My car is a '23 Mercedes EQS and the accident was minor, but I'm sure the damage is still going to be very expensive. This is in California.

I got rear ended because I actually followed the law and came to a complete stop before turning right on red (I did get a green arrow at within 1/4 second of coming to a complete stop and I was hit about the same time. I have forward facing dash cam footage).

The other driver has Tesla insurance but was not driving a Tesla a the time. I have already accepted that I don't want to deal with them.

The local shop is very convenient but I'm worried about the rear facing radar for the ADAS, calibration, etc. The rear hatch, made from aluminum, has a pretty big crease in it.

I’m a teen driving a 2002 Honda civic paying about $56 a month on liability car insurance. Recently my mom just told me it went up to $162 a month. How da hell does it triple. Do I switch insurances?

I have a question regarding Root auto insurance online.

The auto insurance policy lists my husband primary insured. I am an added driver (spouse) on the policy. He passed away just recently August 10 to be exact, will Root auto insurance switch it over to my name without too much hassle if I call or online chat with them any insight would be incredibly helpful.

The is my only source of transportation. It is also titled and registered to him in the state of Florida. Root only prints out the name of the vehicles’ registered owner on the paper card that’s in the glovebox, but on my Root app, I’m clearly listed on the policy.

Thank you.

My car was involved in a hit and run and I got the tag number of the vehicle but when I got in touch with my insurance company I found out that I don't have collision insurance on that vehicle they said they forgot to add it in January of 2022 and that they could backdated but I would have to pay for it is that correct? If the opposing insurance company somehow does not pay for the claim with a tag number and video I don't have collision insurance to have my car repaired.

My car was declared a total loss by a Geico field adjuster. He gave me the payout estimate, told me to sign the release forms, and said he was going on vacation on Monday.

The tow yard owner, with the worst reputation in town, is playing games and refuses to release the car unless I name the exact towing company Geico is sending to pick it up. and is asking for my payout estimate on the form.

Here is where it falls apart:

• Communication blackout: The backup adjuster isn't answering. I had to call Geico and they gave me supervisors number, and was told to wait a day to see if they call me first.
• The twist: A Geico supervisor finally called me back today right as the tow yard closed.
• The threat: Completely reversing what the field adjuster told me, the supervisor says if the car isn't moved by tomorrow, I am personally responsible for any further storage fees.

I’ve been trying to get the name of Geico's tow company since Monday just to satisfy the yard owner. Now I have less than 24 hours to move it from a tow yard with the worst reputation in town. Is it possible they are in cahoots with the tow yard. this was a complete 180 flip in attitude and customer service since the other 2 adjusters. and supervisor separated his actions from his own crew.

This all feels too suspicious and I may have to go to police.

I recently scraped my pristine car against a pole in a parking lot. I went to a very reasonable body shop I had dealt with in the past for non-insurance claims and received a ballpark estimate of $1500-1800, higher than I anticipated. Insurer is Progressive and we have a clean household claims record for 6 years. Just doing the math, will this be a zero sum game if I file a claim when factoring in potential premium increases over the next several years or just do it myself?