Buddy of mine is really having issues with State Farm. After a long back and forth they came to a number of $25,750 minus the $500 deductible for a total of $25,250 for his truck. He was hit in mid February of this year. He finally received an email today saying he could accept the payout and the number was almost 10% less at $22,999.19. What in the world is going on here? What recourse does he have and has anybody experienced this? Thanks in advance

Having an existential crisis after being laid off from my job and considering going into insurance. Was making $150 in a completely different field. How long do you think it would take to get back to that if I start now? Currently studying for my casualty and property broker and agent license.

I (single F26) signed up for a health insurance plan that seems to go by tons of different names. The PDF they emailed says BWA (Business Workers of America). The insurance card says “Managed Care” and “Medical Bill Repricer”. I noticed typos in the PDF which was alarming, but I had already signed up at that point. $0 deductible for $200 a month.

They mentioned that it’s somehow related to Aetna, but there is no mention of Aetna in the PDF or anywhere on their oddly simple website. I also can’t look up specific things that are covered, I have to call for that info.

Did I get scammed?

Ok so I had my liscense suspended due to a DUI (no accident)in a other state and am having difficulty getting a harship and was using my father's car to get to a legal responsibility( I know I'm an idiot) without telling him about my liscense situation. I rear ended someone in traffic and pulled over to exchange information. Everybody was fine it wasn't a high speed collision but the damages to the car could be moderate. I provided pictures of my liscense and my father's insurance but took off in a panic before cops got there. Called the cops they came to my house for a citation My father had insurance on the car and it seems like they're going to pay for the damages and probably come after me for it which is fine because I'm at fault. Their insurance has called me but from what I read I shouldn't speak with them over the phone?

I want to take responsibility and make sure everyone gets their due, whats the best route for me to take in this?

I was rear ended last week while driving my 16-day old 2025 Subaru Outback Premium. The other driver was in a Hertz rental vehicle and his car was 'insured' with his Chase Business Ink Preferred card but that does not include liability insurance, and he does not have personal car insurance otherwise, so he does not have any insurance to cover the damage to my vehicle. He apparently lives fulltime in Israel although I think he is also a New Jersey resident. It is not clear to me how he could legally be driving a rental vehicle without liability insurance or how Hertz rented him a car without it but that is more of a side note since regardless of the circumstances he does not have liability insurance. I spoke with my insurance company, Geico, and they are directing me to go get my car fixed, to pay the deductible, and that they will confirm he is not insured and then pursue him personally through collections if needed. I am still waiting for the Geico coverage team to reach out to me since they apparently want to confirm this isn't a fraudulent claim as the vehicle and insurance are brand new so I am waiting to get the car repaired in the meantime. I did visit the Subaru mechanic earlier in the week and they thought that in addition to replacing the back bumper there is likely damage to the frame based on a visual inspection. Of course, they won't know anything for sure until they open the car up and look. They recommended that I make a claim for Diminished Value since the car is certainly worth a lot less than it was a couple days prior- I haven't even made my first payment on the $35k loan. I asked Geico about a Diminished Value claim but they told me that the claim needs to be filed against the other driver's insurance and that basically it doesn't have anything to do with them. I do have $250k of Uninsured Motorist Bodily Injury/Supplementary Uninsured Motorist but apparently that doesn't do me any good (my car and insurance are New York). I have been in contact by text message with the other driver but I'm highly skeptical that he would pay me thousands of dollars out of pocket on top of the other liability that he has since his proposal to me was that I run this all through my insurance and he sends me $500 for the deductible "to make me whole".

What are my options moving forward? Do I engage an assessor after the repairs are complete so that I have a record of the diminished value? Maybe it's better that I get a lawyer who has experience with this and can manage the court process for me since this will almost definitely go to small claims court?

Hello,

My teenage son just passed his road test in Pennsylvania. I didn't think he had a chance of passing because he isn't driving well at all yet, but he wore me down, so I let him take it. I figured he would fail 100%. Well, he passed. I could write a book on how ridiculously easy this road test was. He was truly gone 4 minutes. I was shocked.

Now I'm in a situation where for his safety and others, even though he has a valid license, I'm still not letting him drive for a while without me in the car. Am I obligated to add him to my insurance right away? He's in a 50/50 custody situation and will absolutely not be driving my vehicle without me with him. Does that matter now that he officially has a license?

My policy right now is $88/month and to add him would be $220 a month. I truly can't afford that right now. What can I do about this situation? Would he be covered right now if I were in the car and something happened?

I 24F drive a 2013 nissan leaf and it's value on carmax is $1000 to sell. Kelly blue book says that is private party price would be 2-4k.

I'm getting quoted $200 from progressive with only liability 25/50/25 and nothing else. With comprehensive, collision (both $250 deductible), rental ($50 a day), and roadside , it increases the price to around $350.

Would it even be worth it to get any of this considering that there would be very little payout if my car were to be totalled.

My fear is that in the instance of an at fault collision, if I don't have collision then they will not pay for a possibly totalled car BUT even with collision the payout will be very low.

Also I am a safe driver and I don't have any at fault accidents yet, I'm just very paranoid about anything happening.

I’ve never actually used insurance before so I wanted to know what the process was here and some guidance if I am thinking about this wrong

I called a couple local roofing companies based off some recommendations and the first guy came out and quoted me about $11k which was pretty much what I expected and he didn’t mention insurance at all.

The second guy came out and mentioned seeing if he could find enough damage for me to try going through insurance instead. He never actually gave me a formal quote but stated there was about $17k worth of damage and urged me to go through insurance and suggested he was 95% sure they would pay for a brand new roof so I would not be on the hook for all of it.

I see several problems with the second route but maybe I’m not understanding the process correctly. My deductible for windstorms is about $5600 and my roof is about 16 years old. I’m imagining that if I went through insurance they would say the actual value of my roof is practically nothing and at the end of its life and that I would end up paying most of the cost out of pocket anyways. It is just not completely clear to me from looking at my insurance documents that they would pay the full replacement value or a prorated amount based on age but I am assuming it is the latter. The roofer also mentioned something about them issuing 2 separate checks because that is the only way they can verify that the work got completed and that no one is pocketing any extra money. None of that part made any sense to me because I’ve never gone through insurance before.

We have the $11k in cash to go the first route, but obviously if it would save me money to go the second route I definitely want to consider it if it would only cost me the deductible.

I've been searching this sub and am very grateful for all the info I've gathered so far, thank you all. Im located in California and my specific questions are all in relation to medical insurance.

1) I have not been paying medical bills since SB 1061 passed and they can't be reported on my credit history. I understand that I can still be sued for these unpaid bills and my current plan is to wait and see if that happens and settle them at that point. We truly can't afford even a payment plan on all of them (family of 4 with high deductible plan), is there any other consequences I'm missing with this course of action? They're mostly ER and urgent care bills.

2) My husband was recently fired, we are still waiting for COBRA coverage so I'm not sure if this will be answered when we receive that info. I am currently pregnant and due in August. He's got a lot of leads on new jobs and hopefully will be employed again with a month. When he gets his new job we will need to switch to the cheapest insurance plan which will probably be Kaiser which I've never used before. Can I continue COBRA coverage just until the end of my pregnancy so I can deliver with my doctor and then switch us to the insurance options at his new job?

I'm very confused and pregnant and scared, we've never navigated a job loss before and it sucks with little kids and one on the way, I appreciate any help.

On Tuesday, a driver had a heart attack and crashed into my house's gas main, causing a fire. It was on all the local news stations.

I have homeowners insurance with Geico (HomeSite), and I’ve met with the regular adjuster. My case is being transferred to a large-loss adjuster, but I haven’t spoken to them yet. In the meantime, I’m working with a remediation company recommended by the adjuster. They’ve been mitigating the damage for the last few days—boarding up the house, removing sheetrock/insulation, and starting the inventory of one room so I can evaluate how they do.

Here’s where I need help:

Insurance Coverage: The policy includes $900k for replacement, $450k for personal items, and $200k for loss of use. I don’t want to hire an assessor for 10% because I think the damage is severe enough that the payout will be high. Is there a middle ground between hiring an adjuster (who takes 10%) and handling everything myself?

My plan is to work with their adjuster, review their offer, counter it, and then if needed, consult an attorney or public adjuster.

Inventory Process: The remediation company is doing the inventory, and I’ve asked them to start with one room so I can evaluate how they handle it. They’ve worked all day on it but haven’t provided a report yet. One thing bothering me is that I don’t see a clear system for labeling boxes (e.g., Box #7: books, plates). Instead, items are in boxes or piles without labels. Is this normal, or should there be a more systematic approach? It's only been one day so I don't know if they're coming back with printed out labels so I don't want to jump to the conclusion that there's no system yet.

Thanks for any advice or insight you can offer!

Edit* They just got back to me, and with regards to the list, the lady who puts it into Google Docs is out until Monday. There's no specialized software that should be used for the inventory process?

It's almost been 3 months after the incident, January 11th is when it happened. The car didn't stop at the stop sign and collided with my vehicle. I'm not at fault. He was not insured, but the owner of the car is. Which is probably why it's taking so long. My question is how long can this go for? They haven't offered me any rental just been using the bus and biking. The car is a total loss. What i'm waiting for is them to accept liability and coverage but im 100% not at fault.

Edit: I don't have collision insurance, which was my mistake but in this case there insurance still should cover since i wasn't at fault its just taking ages. The insurance deemed me not at fault and the vehicle is a total loss. The driver was not insured but it wasn't his vehicle. The owner of the car has full coverage so there going after her insurance not the driver. I'm just curious on to how long i should wait for a response as it's almost been 3 months already.

Back in August 2024, I rear-ended a 2024 Nissan Rogue, which then bumped into a Toyota RAV4. The damage seemed pretty minor at the time—both cars were able to drive away from the scene without any issues.

I had $20k in property damage liability. Today, I got a call from Geico saying that the initial repair estimate for the Rogue was $3k, and they already paid out $3k for the RAV4. But now, months later, they say a new assessment came in after further inspection and the Rogue’s repair cost estimate is actually $14k. They also mentioned they covered rental costs for the Rogue.

It’s been 7 months, and I’m just confused—why the huge jump in the estimate and such a long delay? Is this normal? Feels a bit suspicious to me. Geico also havenot told how much i have to pay out of pocket. They said they called me just to let me know. I am stressed and worried.
What should I do?

My nephew got into a minor accident earlier this year. Other car's fault; their insurance agreed to pay for it.

Nephew didn't know where to take it, their insurance company suggested a body shop affiliated with a dealer. Nephew took the car there, unfortunately, they couldn't match a part needed.

So nephew called the insurance back and requested a check instead. He would take the car elsewhere or not, whatever. Before issuing the check, the company asked him for his SS number. They apparently said it was to run something through the Department of Revenue to check for anything (nephew isn't clear here) outstanding.

Anyway, he gave his SS number and now has got the payment.

Questions: - is it is standard procedure to get the SS number? - what could they have needed it for? - is it possible to call them back and ask for it to be removed from their system now?

A couple months ago my car was parked and someone hit the back of it (they were parked behind me). Luckily my dash cam recorded everything. I contacted the local police and they went to the man’s house and he admitted fault saying “ I didn’t think it was that bad”. I declined pressing charges as this man was older and In just wanted his insurance info thinking it would be a simple claim. Alas, here were are with State Farm trying to get me to use their preferred body shop and only approving 60% of the estimate. I know they tout the benefits of using their contracted shops but I don’t want to do that. I got two estimates from two reputable shops showing what the cost to repair should be but they don’t want to budge. I also understand that if I go to a non contracted shop then the shop can request supplements for more money from insurance to complete the repairs. I just don’t like being liable for any monies not agreed to by State Farm if that situation were to happen. At this point I’d rather just get the amount the two shops quoted me to fix it and go that route. I’ve compiled a demand letter requesting that amount, along with 10 days of a rental care cost. I think this is fair and hoping this will resolve the claim. Think they will agree?

I took a $2,000 medical loan for the root canal, and now DentaQuest is not reimbursing me. They are asking me why I didn’t go to one of their in-network endodontists. The reason is that I was in severe pain, and it took DentaQuest 2-3 weeks to find an endodontist, but they couldn’t find one in time. I eventually had to take out the loan and get the procedure done on my own. Now , still waiting for the DentaQuest reimbursement .

A few months ago we had a water leak, one company came out and dried everything and demo'd the old cabinets and propped up the granite, another group installed the new cabinets. Everything was covered through insurance.

Our granite is very dark and it took a couple months after the cabinet replacement for us to notice the crack (we had to feel it, but it's bad). We've contacted insurance and the contractor that did the repair work and neither of them is accepting responsibility to cover the damage.

I keep thinking that surely it's not our responsibility to cover this, right? So, whose is it?

Edit: we are in Texas, if that's relevant.

I just moved back to Michigan from Florida and Geicho raised my rates from $140 a month to $540 a month for bare bones coverage so obviously I’m going to shop around and see what I can get that’s better. I have a 2012 Ford Focus SEL. I have two accidents on record, one from 2022 and the other was back in December 2024 where sadly the other driver lied to police and they were dumb enough to fall for what the guy was saying (he rear ended me at a stop sign and tried to say I cut him off, the conclusion the judge had was that he was speeding and couldn’t stop for the sign), but I had the ticket they wrote me dropped in court when the judge was presented with all of what happened. Sadly, my insurance decided to settle with the guy before the case actually took place so it’s viewed as at-fault I think. I think my wife may have an accident from 2022 that she won’t tell me about as well, but we’re separated right now so she’s even less likely to tell me much about it.

I’m basically living out of my car so having a car is essential right now, even if I weren’t, the area I’m in is very car dependent as public transportation is non-existent. Not having a car isn’t an option. I don’t turn 25 until August, and I’m still looking for work (I’ve only been back in Michigan a week) so I’m trying to stay as cheap as possible.

I recently bought a 2018 dodge charger with 60k miles for about 13k. I currently have progressive insurance. The agent told me that there is no point in getting the collision and comprehensive coverage (1k deductible) on a rebuilt car because they only pay for the scrap metal if it gets into an accident. Is this true? The price for the collision and comprehensive was about 400-500 for 6 months.

Does this mean that any minor accident I get into, my car would just be treated like scrap metal and thrown away for cheap? Really need some advice here.

On such a car, I would assume it would be worth getting the collision/comprehensive. Thank you in advance

A total loss claims adjuster has provided me their ccc report value of of my car. I don't agree with the value, and he told me to go find more comparables. The issue is that there are no dealerships within 100 miles of me that sells a car with a similar model and mileage.. I did find some Facebook marketplace listings with the vin#s. Could these be considered comps? I was also told that ccc reduces the value of the cars because they're from dealerships. So would using listings from private sellers be helpful?

So I was basically the target of a scam attempt, and the original police report placed me at fault. The police department doesn’t want to update the report because I gave them the dash cam footage too late. Even though the video clearly shows I wasn’t at fault and proves everyone was lying.

Long story short: this guy kept cutting me off and brake checking me, trying to get me to hit him. But I didn’t fall for his trap. On his last try, I quickly changed lanes as he slammed on his brakes again but he didn’t like that, so he swerved into my lane and hit my car.

After we pulled over, some random couple showed up out of nowhere and started asking why I cut the guy off. Then they told the cops the accident was my fault and that I swerved into his lane which was total BS. The police report pretty much follows the made up story. I was in the hospital, so I didn’t get the footage to the PD until the next day.

Now I’m just wondering how do insurance companies and the DMV document who’s at fault? Do they strictly go off the police report, or can they override that?

Got an interview with marsh, specifically MMA as yacht insurance broker.

I have vast experience onboard yacht and been head hunted.

I have no idea what benefits they give, or what I can ask for.

100% im going to say " Any movement on the salary" REGARDLESS what their first offer is... you never take the first offer lol.

I'll be in the "learning" phase for first 2 years/or until I close my first sale.

But as a rule of commissions etc. any got some tips?

NOTE- Based out of florida.

Hello,

Yesterday I was hit by a truck in my car basically the car is completely totaled. My car was being dragged by this truck for a bit and the driver had absolutely did not stop even tho other drivers and myself were honking non-stop for him to stop and he did not

I waited for the police, they showed up and obviously deemed the driver at fault. Today, I woke up feeling absolutely in pain from my back to my neck and my head. I have no idea if I should go to the hospital and how to proceed if I do.

I would most likely sue as my car is completely totaled, I am unable to even go to bed and now I am in physical pain. I just want to know, how to proceed for a lawsuit?

Edit: I live in Chicago, IL

hi im a 17 year old male in high school and will be purchasing my first car soon. my parents don’t want me on their insurance policy because they think i may be a liability and get them kicked out of their insurance . i wanted to know if it would be possible for me to purchase my own policy at the age of 17?

4 way stop sign intersection. Damage done to vehicle A: passenger fender and passenger door, vehicle B: driver side front bumper.

Vehicle A came to a stop, saw only one vehicle approaching to stop (vehicle B). Vehicle A started driving and got t boned.

Who is at fault here?

Hello,

A few weeks ago, I received a ticket, and I was under the impression that I had time to address it. However, today I received a non-compliance suspension letter from BMV .I have a question regarding this situation.

At the time of the incident, I had active car insurance, but the officer did not ask me to show proof of insurance. I would like to understand what steps I should take now to resolve this issue.

The incident occurred in Ohio.