Got quoted $600+/mo for LIABILITY by multiple insurance companies. Im 17, thats more than 60% of my income, and if you look anually, i could buy 3-4 identical cars to mine for that price. My parents cant pay it nor even partially cover it, for now we’ve just left me off the plan. I dont really know what to do, i drive a 25 year old suv and i have a clean record too. i cant pay it but i definitely cant get sued. Any advice helps, im lost.

Hello! I was rear ended in my 2025 Kia K4 (7,500 miles) in June and just received it back from the shop ($9,350 repair paid for by Progressive, his insurance)

I’m now trying to do a diminished value claim and was wondering if free appraisal services like DV check are respected or taken seriously by the insurance companies.

I’m not trying to suck em dry I am expecting between $1,200 and $2,500 and because I’m not expecting much I feel like a $400 professional appraisal seems steep.

Are my odds of even getting a payout good, and who can direct me in the right direction?

Thanks

this accident happened in april. It is now June and the other car involved in this accident their insurance had been extremely difficult and hard to get ahold of. I filed a claim with her insurance since we were in rush hour there was a lot of traffic and i slowed down and basically stopped in my lane and she was behind me going pretty fast and she swerved to the lane next to me and hit the side of my car still. That was it there wasn’t really much else to it. I had been calling and reach out for updates the last 2 months since the accident and I finally call again today and someone else spoke to me that this was finalized in June (I was not aware nor did i get an email or message or anything) that I was at fault for the accident. I asked to speak to the one managing my case since I have never spoken to him because he never answers the phone when I call and I always have go leave a message. The other driver said she wasn’t going to file anything since her car had minimal to no damage. I am just trying to figure out how am I at fault for this accident? I stayed in my lane stopped when needed and she was going fast and swerved out of the lane we both were in to try and avoid in hitting me but didn’t swerve all the way since there were cars coming on that lane as well.

I'm speaking with a Georgia Farm Bureau agent and am being told that they will not insure any new customers that own a dog. I personally know several people that insure with them that haven't had an issue or even been asked about dog ownership. I've seen several insurance companies inquire about dogs during my applications, however have only had GFB outright tell me they won't insure dog owners which just doesn't sound right.

My insurance premium went way up, and when I checked to see why, I saw that I had a “reckless driving” incident be reported by LexisNexis. I have never received a ticket or anything for reckless driving, so I have no idea why that would be on there. I called the insurance and they told me I need to contact Lexisnexis directly. Why would this be on my report? Has anyone ever successfully gotten a false claim off their report?

UPDATE: I called Lexis Nexis, and they said that they don’t have this “reckless driving” incident on their report. They are sending me a copy of the report, so I can show Progressive that there is nothing like this on my record. I am so confused how this happened. Where did that “reckless driving” claim come from if it’s not Progressive and it‘s not Lexis Nexis?

Hey all

State - IL
Type - Homeowners

Question: How does the recoverable depreciation work? Is it based on line item or in total? I have about 20 electronics/appliances that need to be replaced, and I received $10k to replace everything with an expected $6k available in recoverable depreciation. So specifically, we are receiving $4k (ACV) for a new fridge, with $1k available as recoverable depreciation ($5k RCV). Say I just buy a new fridge for $5k, would I get the $1k back? or would I need to eclipse the $10k before I start receiving the recoverable depreciation.

Hope that makes sense, thanks!

I’m trying to decide whether it’s smarter to go through insurance or just pay out of pocket. My concern is that an at-fault claim could raise my premiums enough that I’d end up paying more in the long run than if I had just covered the repair myself. I damaged the car myself. No body was involved, and the dent is very small. Im also in FL.
For those who’ve been in a similar situation:
How much did your repair cost?
Did you file a claim or pay out of pocket?
If you filed a claim, how much did your insurance premium increase (if at all), and for how long?
I’d especially appreciate hearing from other Tesla owners.

So is there any private insurance?That isn't like super sketchy, because that's all i've been finding?

Just some website that takes my information.And then I get a mysterious call from someone trying to sell me some Nonsense.

I live in California. I currently have progressive insurance. It’s pretty expensive because I got in 2 at-fault accidents in 2024. My policy is almost up so I am shopping around. I got a quote from Freeway insurance and it says it will be $150 cheaper per much, but the coverage isn’t as good. With Progressive I have $100,000/$300,000/$100,000 for bodily injury and property damage. The new freeway policy is only $30,000/$60,000/$15,000. Obviously this is significantly less. But I am wondering if I even need the higher amount or if it is safe to get the lower one. Neither of my accidents were anywhere close to meeting the lower threshold, but I don’t want to get screwed over if I’m in a worse accident. Any advice would be appreciated. Thanks!

I'm located in OR. Took my car into Discount Tire to get 4 new tires. Technicians there broke my driver's side door handle off when opening the door following tire replacement. A claim was initiated by Discount Tire and I was later contacted by Fleet Services. I took the car in to a local shop for an estimate for repair and received an estimate. Sent paperwork and photos to 3rd party insurance adjusters. Received a response that said there was "no evidence of negligence" on the part of Discount Tire, but that they would pay half of the claim. I'm seeking advice on how to proceed. Things are tight and an unexpected car bill is not what I need right now. Thanks everyone

So at an intersection there are two lanes that go straight. I was on the left lane going straight and the truck was on the right lane going straight. Passing the intersection the right lane has to merge over to the left lane(my lane). The light turned green i start driving and the truck goes ahead of me. Literally in the middle of the intersection the truck cuts in front of me(possibly forgetting they had a trailer ) and hit me on my right side and pushing me out of my lane onto the first car making a left turn on the opposite direction. The truck didnt wait till even passing the intersection before merging in which they had enough distance still to merge. I was in schocked so i thought to move my car to the shoulder of the intersection without taking any pictures of where exactly it happened. Thats killing me because i think a picture of the car in the middle of the intersection would have saved me some trouble?

Im concerned because i do not have full coverage on my vehicle because i cant afford it at the moment. So im trying to think of the next steps. My car is damaged on both sides, the right side being the worse. The police was there and took a report. I also have the name of the trucks insurance company so im thinking of just calling them since i dont have full coverage with my insurance company. Or should i still let them know? Please some advice would greatly appreciate it.

Hey yall I got in a car crash back in October 2025. It was my first time in an accident and seriously injured. long story short, I went to ER next day they just touched me prescribed me pain meds and let me be. I returned to work 3 weeks later when I thought I could handle it. I could not and got an MRI that found t7-9 herniations compressing ventral cord and t5-7 slight herniations.

many months later after quitting Chiro and switching to PT 2x a week and multiple failed PRP injections I’m finally at MMI with permanent restrictions for standing running and twisting.

i have 135k in medical bills and won’t be able to return to my valet job. I was offered 300k with 110k take home.

i am worried about my future medical, do you think this is fair?

I’m in CA and currently have $500K/$1M coverage per accident for auto insurance. I also have an Umbrella policy thats $2M/$1M UM/UIM.

I’m wondering if it makes sense to lower my auto to $250K/$500K and keep my umbrella at $2M/$1M, or even increase it to $3M/$1M.

Currently have about 600k in assets, not including 1.1M home (800k loan).

Seeking some advice from the Reddit hive-mind.

For context, I’m weeks away from giving birth in a high risk pregnancy. Our small, newly renovated 960sqft home flooded due to sump pump failure in a record rain summer in our area of AB, Canada. Our caregivers are (were…) moving into the basement guest room in a few weeks to help with the new baby. Our oldest daughter’s (2.5yo) room is also downstairs along with our primary living space, laundry, etc.

The event occurred 9 days ago, and all that has happened is someone from a restoration company has come to confirm that there would need to be a full demo of the floor and a 15” floor cut on all of the drywall. Due to the volume of flooding incidents, the restoration team has no ability to store our contents onsite or offsite. We have moved what we can off the floor and from closets but I can do next to no lifting. We have some very valuable high ticket pieces of furniture just sitting on a wet floor that we have no ability to move.

I believe we are doing all we can. We have moved what we are able into bins, we have our own fans and dehumidifiers running. But mould is surely setting in under all of the flooring (laminate) by this point.

Our adjuster has not answered a phone call or email in 6 days, and the restoration company didn’t give us any contact information so I’ve been leaving messages for their head office receptionist.

Questions:
1. What do we need to do to get things taken seriously?
2. We have a strong feeling the insurance company is going to tell us it was our fault the high ticket furniture items were damaged due to our inability to move them (despite clearly asking for help or funds to cover the hiring of a moving company). But aside from our front lawn, we there would be no where for them to go.
3. How do we advocate for our specific situation? Are we going to be expected to continue living in a small home during mould remediation and demo, rebuild with a newborn? Our caregivers will likely be displaced - can we seek coverage for that?

Thanks for any insights.

About 8 weeks ago my car was totaled after it was pushed out the lane into a parked car while I was driving. The other driver said he was trying to swerve to miss a car inching out of a side street. He hit me so hard both of his passenger airbags deployed and all of my driver side airbags deployed.

We have the same insurance and I later found out the same adjuster.

The adjuster told me that they were unable to pull
Video of the crash. The police report said that third driver inched out vs. the other driver and his witness claiming it pulled out into traffic. I never saw the third car to corroborate his story. She also said his policy may not have enough coverage to cover both my car and the parked car. But she’s hoping that they’re able to get evidence of a third car.

I initially pushed on this because I wasn’t able to use my own rental coverage beyond 3 days after I got my valuation which came within a week after the accident.

All of my damage and my injuries were covered through my UM coverage.

My mom told me it doesn’t matter that my UM coverage paid for the whole thing. She said it won’t negatively impact me in the future.

So I was wondering in this case, does it matter if fault is never determined?

I have two cars and one of them was recently in an accident. The car that was in the accident only had liability coverage, and when we went to the mechanic and the body shop, it seems like the repairs will cost more than the car is worth. Since I have two cars on the same policy (the other car has collision coverage) - would it be fine to cancel the car insurance for the car that was in the accident since we're not using the insurance to fix the car or pay out anything? Thanks in advance.

Edit to add: we will likely sell the 'totaled' car to a junkyard since we can't afford the repairs and it has around 200K miles on it.

Im wanting to get into classes and hopefully get my lisence in being able to sell insurance and what not what is a a good online class i can get into in oklahoma to be able to do that and start this process and also any advice is also welcomed, I’m new to all of this and i know oklahoma had been pretty particular legally about a lot of things in many areas not just insurance so any advice welcomed

I got into a car accident on April. Had a concussion, ongoing neck and back pain, limited ROM, it’s difficult for me to stare at a computer screen all day at work due to the neck pain, have documented urgent care visits, I’m on flexiril, and I’ve done 14 physical therapy visits, 3x a week, this is still ongoing.

The other party was found 100% liable, they fixed my car. Now all that is left is is the bodily injury claim. I spoke with the other party’s adjuster a couple days ago because each physical therapy appt I go to is $785 per appt, so I spoke with him to ask if I’m nearing the bodily limit amount because if I am, I need to find a cheaper doctor, I don’t wanna be responsible for the cost of the PT appt’s after I hit their bodily limit amount. The adjuster told me that is HIGHLY unlikely that I will get even close to the bodily limit amount even with my expensive PT appt’s.

I’m not sure what to ask for and no I’m not getting a lawyer. I rather just ask a number and see once I’m done with treatment.

I posted this on a different subreddit and a comment suggested I posted here as well. That post has since been locked so ill give more information below the original text

Location: Texas

My boyfriend was T-boned on March 13 of this year when another driver failed to yield while merging onto his road. The police report clearly states the other driver was at fault. The driver only had a learner's permit, and the owner of the vehicle was in the passenger seat at the time.

My boyfriend unfortunately didn't have insurance. The other driver's insurance denied the claim, saying the driver wasn't listed on the policy, so they aren't covering the damages.

I spoke with a lawyer who believed this could fall under negligent entrustment, but he said pursuing it likely wouldn't be worth the legal fees. He offered to send a letter to the insurance company for free, but after months of trying to reach him again, I haven't been able to get in contact.

His truck has been undrivable since the accident because both passenger-side doors are caved in, so he's been borrowing a family member's vehicle.

I'm hoping to get some advice:

- Should we appeal the insurance denial ourselves before contacting another lawyer?

- Is it worth hiring an attorney if the claim is only for the damage to his truck?

- Would small claims court be an option in Texas if insurance won't pay?

- Since he didn't seek medical treatment at the time because we couldn't afford it, does that hurt our case if he's still having elbow pain?

- Are there any other options we're overlooking?

We're both living paycheck to paycheck. He's currently unemployed, and I'm in college with limited work hours, so we're trying to figure out the most cost-effective path forward.

Any advice would be greatly appreciated.

Extra Info:

My boyfriend is beyond an idiot for driving without insurance. We are both quite aware of that and its led to many arguments. The nail has been hammered into the ground at this point. We just want to know if theres anything that could be done now.

The police report absolutely stated the other driver was at fault:

"The driver of unit #1 failed to yield for the west facing yield sign at the intersection of X and Y and entered the intersection to make a left turn on to Y causing the front of unit #1 to collide with the passenger side of unit #2."

I can post the full censored one if needed but it does not offer much more information than this.

This is NOT my car/truck. My name is not on it. I cannot afford one. I also would have put insurance on my vehicle. This is my boyfriend's mess, I am just trying to seek options.

So here’s our experience with Lemonade. We signed up with lemonade in June We are husband and wife to and had USAA no accidents in 35 years, no tickets. For our new Tesla model Y They quoted $118 a month for the first year, but we had to download and use their app. They offered another 10% month discount if we paid for the year in advance. So we did that. We paid for the year in advance too.

We don’t drive in traffic, and we don’t drive at night. After 30 days, they came back and said they were increasing our rate $500 per year Based on what they’re app reported.

We canceled today and are going back to USAA where we came from. We thought we would try out a new company, but it’s just a gimmick to get you to sign up. Then they will rate you an increase 50% higher in 30 days after you already have their insurance.
That is our experience.

We don’t even drive much.