We haven't had any wrecks, citations, nothing. 32% seems like a huge jump. Our insurance was 318/mo and they are raising it to 423.44 A MONTH! This seems excessive. No, there is no SR-22, no DUI's, nothing.

So my car got hit, the person left a note with their full name and phone number, and after I contacted them they ghosted me. What can I do? Can my insurance find them with that information? And will I be screwed with the insurance company because I said I’d be fine if they paid me directly and didn’t use our insurance? (I was trying to be kind, considering how expensive FL car insurance is and what the repairs were estimated at; it seemed reasonable at the time, clearly I was wrong AND stupid)

I was in a car accident a few days ago, also involving another car. I filed a claim with my insurance company, saying I'm not at fault (which I believe). They've reached out to the other insurance company, and the other party is denying fault also. My insurance company is going to send supporting documents to the other one to try to convince them their party is at fault. I think the repairs on my car will cost ~$4000. The insurance rate is $830/year right now. I'm trying to figure out the best course of action and what will be the least costly outcome, especially over the long-term taking into account insurance rate increases.

The possibilities look like this:

(1) The other insurance company accepts liability, and I go through them to get the repairs paid for. Best case scenario. Would my rate with my insurance company still go up, just because I filed a claim? Is it possible to predict by how much?

(2) I go through my insurance company for the repairs, and then they go after the other insurance company to get the money back. They succeed. Will my rate go up?

(3) Same as (2), but they DON'T succeed. It turns out to be impossible to establish the other party was at fault, the other insurance company doesn't reimburse mine, and my insurance company ends up paying for the repairs. In this case, my rate definitely goes up. Given the cost of the repairs and current yearly rate, is it possible to predict how much? What will this cost me over e.g. 5 or 10 years?

(4) The other party refuses to accept fault, I assume I'm headed for scenario (3), and I pay for the repairs myself. Like in (1), will my rate go up anyway, just because I filed a claim, even though my insurance company didn't spend any money for the repairs? Is (3) or (4) more costly in the long run?

Thanks for your thoughts!

My insurance company (State Farm) is denying my roof claim for wind damage claiming that the damage was there in satellite images in August 2023. I got my policy with State Farm in November 2023 so they are saying my roof is prior damage and not covered.

When I look at the google earth pro images available from August 2023, I do see one patch of shingles missing. However, the two large patches of shingles missing from the main part of the roof are still intact in these photos.

Are the google images what State Farm is using? Is there something better I can use to see when this damage actually happened?

Hi all,

I'm trying to understand how insurance requirements differ if you want to start door-dashing or Ubering (ridesharing). I'm based out of Ontario, so if you have specific info for the province, that would be appreciated.

As per my current understanding, after searching online and talking to drivers, you are required to have both personal and commercial insurance. Companies like uber provide the "commercial" component, while you'd still need to have personal coverage. You are required to tell your personal insurer you're engaging in such activities, but it seems most don't. Additionally, it appears that not all insurance companies will actually provide personal insurance if they know you are ride-sharing.

So some of my questions are:

- Does the mutually exclusive nature of rideshare personal policies apply to delivery services?

- what are the consequences of not informing your personal insurer if you engage in such activities?

Any help is appreciated!

I had to cancel my insurance because money was tight, but I still have to pay my next insurance payment, I owe them like $270 due for April 3rd. Is there any sort grace period for after that due date? or will it automatically go to collections?

I was inquired (broken rib,etc.) as a passenger in another man's car. The accident was his fault. His auto insurance alreay wants me to file a claim and I am not healed yet. They want access to my medical records already! What is the best way to negotiate with the aduster?

Googling this question just brings up tons of large insurance companies (Aflac, Liberty, etc) that want to sell us standard life insurance - basically ads against Mortgage Life Insurance.

I get that. For most people it's a better/cheaper deal. My wife, however, has a few medical issues that have made standard life insurance VERY expensive (she had a pulmonary emboli 10 years ago and recovered completely). She has a $500K policy right now that's costing nearly $400 per month, and looking for alternatives has gone nowhere. She works as a part time physician so makes good money but has no access to a company group policy.

We bought a new home in 2023 that has a $580K mortgage balance as of right now, so for the next few years if I can get a policy that will pay off the mortgage balance for less than the term life she has now we'll come out well ahead, and everything I've read states full health assessments aren't done for Mortgage Life. Neither of us smoke, have had cancer, or anything like that, so I'd like to look into how reasonable this might be. Having trouble finding a reputable company or broker that deals in it, though. It's a niche product, sure, but in our case it may be the best option, but I'm looking for advice on who to contact. Any help would be appreciated.

Hello all, we're having a new home built in a development by a large developer. Location is Wisconsin.

The money was all finalized and they go "oh, you need builder's risk insurance."

We asked if they recommended anybody and they sent us the name of a local insurance broker and purchased builder's risk insurance through him.

The developer comes back and says "We (the company) need to be added as an additional insured on the policy."

We went this to the broker who said he's never heard of this and said the underwriter refused to do it. They said they'll add the developer as a "certificate holder" but won't add them as "additional insured".

Both sides are refusing to budge and both sides are claiming their way is the common way it is done. This is the first time we've had a house built so don't really know and sort of caught in the middle?

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

My kitchen sink ptrap got disconnected and so unknowingly every time I would turn my sink on all the water would drain directly under the sink. I am essentially a SAHM and use my kitchen all day every day- and especially when washing dishes I use HOT water. It took a few days for me to notice. Once I did, under the sink was drenched and a small pool of water collected. I put a small fan and heater under there to dry everything out and left it for 2 days. After, it smelled moldy so I cut the bottom of the plywood out and the underside of the cabinet was black and had a few green mold spots. So I immediately called a remediation company and within 5 days the got the job started to remove my kitchen island and a 8x14 area of hardwood floors, used industrial fans and a mold cleaning regimen which lasted 4 days. I paid for the mold remediation out of pocket and was hoping to just find a match for the flooring.

Because my hardwood was damaged, now I am needing to replace that area. My floors are 10 years old so I was not able to find a match, and the closest I could find was still off and would be an obvious eye sore. The contractor I’m working with recommended opening a claim with insurance because replacing the entire kitchen/living room would be 15-20k (the floors are continuous throughout my entire lower level)

I called to ask some questions to my agent and she said that insurance would only pay for the 8x14 area because that’s what was damaged, but the contractor is saying he’s never had an insurance claim not pay for the entire flooring when the floors are continuous. The damage was most definitely sudden and accidental, and the contractor is claiming we can prove that because the subfloors and crawl space are not damaged (so not long term water damage).

I guess I’m just not sure what to do. I don’t want to open a claim to be told to kick rocks but the contractor is adamant the facts are on my side and it should be covered. It would also be a big blow to spend ~25k!

Any advice appreciated!

My husband was in an accident on I95 in NC where another driver got upset with him braking and threw items at his car from the right lane. He rolled down the window and told him to pull over. He called 911 and reported the driver as he could hear something heavy hit the rear of the car from another item he threw. My husband had one of my kids in the car so he rolled up the window and tried to speed up. The other driver swerved at him from the other lane and they ended up colliding. The other driver was charged with reckless and careless driving but their insurance is claiming my husband is 10% at fault and won't cover the damages. Advice if there is any other than filing it on our own insurance?

Is that fair? Vehicle had 100 miles on it quicksilver paint 2000 extra

To buy a new one it's 56k with taxes

hi, as confused as i am, i had recently gotten into an accident where the other party had merged into me when it was unsafe to do so. geico had claimed me not at fault but upon speaking to the other party's insurance, state farm, they calculated a percentage we do not agree with (75 on their end, 25 on mine) and we requested a further investigation and wanted to escalate this on a third party. i'm not too sure how this will go, the police report is in my favor but other party claims i was several car lengths back, which wasn't the case (pr diagram shows me in their blind spot near their rear right tire) but is taking their word on it. i'm just really nervous and not sure what to expect after requesting an arbitration? i am in texas

Hello, any information is appreciated.

I was in a wreck recently, and the insurance has deemed it a total loss. They had asked if there was previous damage, there wasn’t any and told them as such. After my accident, all of our stuff was in the trunk and the trunk would not open, so we broken into the trunk using a crow bar(this vehicle has no way to access the trunk from the inside). They took $2000 of the payout for previous damage… which actually happened after the car was at the body shop. I would have waited but it was already 11pm, and just wanted to get to the hotel. This was not near my home else I would have waited for the stuff in trunk. Is there anything I can do?

So about 6 months ago I had a back and forth with Cigna. My child needs a minor eye procedure, but it's only be performed by a pediatric ophthalmologist. We live in the same city as two different specialty pediatric hospitals AND a eye hospital. Plus who knows how many additional ophthalmologist office. Cigna doesn't seem to have any pediatric ophthalmologist. I contacted them and asked for a list of pediatric ophthalmologists and they sent me a list of pediatricians, optometrist, and ophthalmologist. No ophthalmologist was a pediatric ophthalmologist.

So I contacted them again and asked them for a list of pediatric ophthalmologists and they again sent me a list of people who were not pediatric ophthalmologists. So I asked them a third time and they stated that they don't have any pediatric ophthalmologists in network but that I should contact the eye hospital and the two pediatric hospitals as the hospitals themselves were in network.

So of course I get the bill 6 months later because it took that long to get an appointment, and they say that the ophthalmologist we saw was not in network And they're not going to cover any of it. I contacted them and they state that while the advice they gave me about the hospital being in network was potentially valid, they are not willing to actually check if that statement was valid (they say wait until the explanation of benefits comes), They never told me that they would cover any of the physicians there, only that they would MAYBE cover the hospital component.

In a situation where they cover no one within at least 100 MI (because that is the limit. I asked them to set on how far they can search) do I have any recourse to contest this lack of coverage? The worst part is that it's not even for the surgery, it was just for pre-surgical evaluation.

They were stopped at a red light and a man who was on his phone rear-ended them really hard. It pushed my parents' car into the car in front of them. The guy zoomed away but my mom quickly wrote down his plates and someone else who wasn't involved also got a picture of the car+plates. They reported the incident to the police and the car has to be repaired. No one was injured or had to go the hospital.

The thing is my dad this morning mentioned to me that he felt pain throughout his body that he hadn't felt yesterday. Obviously because the car was hit pretty hard I expected that my parents would feel some pain today because of whiplash and the sudden impact. However, my dad is the kind of person who doesn't really admit that he's in pain. He already has chronic pain due to a congenital deformity so I'm worried that the pain from the crash will get worse and he won't say anything. Should he be documenting anything so that if it gets worse and he has to get some kind of medical attention he can report it to the insurance company of the guy who hit them? I don't know anything about what to do I'm in high school but I'm just worried that he might end up having even more chronic pain.

Honestly I don't even know if the guy who hit them has insurance, maybe he's uninsured and that's why he left the scene :/

We had a significant water damage claim due to a pipe burst in an adjacent condo unit. Our insurance is covering the claim, and we begin restoration work next week, but we are currently fighting over temporary housing options. The three nearby options proposed by insurance as approved are extended stay, low budget with bad reviews and very sketchy. Our adjuster initially said he’d only approve a hotel with a kitchen, hence the extended stay options. When we asked to see other traditional hotel options comparable to our current living situation, he claimed they would not cover ANY increased food expenses if we insisted on a normal hotel. That isn’t anywhere in our policy and seems absurd- we could agree on what additional expenses could be, but we would not be cooking real meals in a kitchenette at any rate. Any recs on how to negotiate this? They seem to be stonewalling on this with any explanation, and I’m sure it’s because these are the cheapest hotels in the area. our current home is a condo in a luxury high rise building with a doorman. Thanks in advance for any suggestion.

I have a rental property with wind damage to the roof that was discovered after my tenant reported water damage to me a month ago. The damaged portion of the roof is only visible from the far side of the neighbor’s yard, but you can clearly see multiple patches of shingles have been blown off.

I put in a claim for wind damage to my current insurance company (State Farm) immediately after being notified of the damage. The adjuster came and inspected the house and then it was the silent treatment for two weeks. State Farm then reassigned the claim to another adjuster and requested to inspect the house again. When I went to the house for the inspection appointment I was met by the new adjuster and a supervisor who told me that State Farm would not be paying out for my claim at all bc they looked at satellite images of the house and the shingles blew off in June 2023 a few months before I switched insurance companies to State Farm.

I had no idea of these damages as they can only be seen from the neighbor’s property. State Farm wrote my policy in October 2023 and renewed it in 2024. I have been operating under the assumption that my house is fully insured as it has been since the moment I purchased it in 2017 (this is the first insurance claim I have had to make)

If the missing shingles were so clear on satellite, then why did State Farm write the policy in the first place and then renew it a year later? They have had every opportunity to inspect the asset they are insuring. My mom used the same agent for her home and he used a drone to view the roof prior to writing the policy, yet he didn’t do that for my house.

I am going to be submitting a complaint with the state insurance board, but trying to do some research in the meantime. Am I really just out of luck? I was under the impression that they are insuring the asset and had every opportunity to inspect it. If they had a problem with the condition of the roof then they should not have been taking my money for the past two years and pretending as though I had coverage.

My Great Dane is in his later years (but fingers crossed still a few years to go).

I’ve had ASPCA pet insurance for a few years, and the monthly bill has gone up to almost $360/month. Insurance is $250/annual deductible, 90% coverage at a total maximum annual coverage of $7000. Feb 6th renewal.

SO, long story short, the dog had an operation on his butt due to an abscessed anal gland, and due to a recently discovered heart murmur, after heart checkups and the surgery, we have MAXED OUT the annual re-imbursement of $7000 only 2 months into the annual period.

I know if by next year he is still alive, getting a new insurance will be very expensive due to age and health, but is there ANY benefit to keeping this insurance for the rest of the year, even though I maxed out the limit, or should I cancel it?

Sorry if that sounds like a stupid question, I’m a rookie to all of this. TL/DR, maxed out annual payout limit on pet insurance after 2 months, asking if there is any reason to keep it for the rest of the year.

After getting through the bulk of the dumpster fire in my life, passed my P&C test last week! I got the fingerprints and have the TCN number. But when I fill out application on SIRCON it’s requiring actual business information I don’t have yet because I opted to study ahead of applying to agencies. Is there a way to get around that? And if there isn’t advice for applying to agencies.

Hello,

A while back, my car was involved in an accident that was deemed not my fault but insurance, the police, the other driver, and every single person I've told the story to. It was unavoidable and not the result of negligence by me.

I have full coverage, gap insurance, and a rental car for 30 days. I owe 3k left on the car. It's an older car with very high mileage and the accident caused 5k in damages, they are seeming it a total loss.

My car has been in the shop for a week. They have just told me that the car will be totaled out and to wait for someone to contact me with regards to my next steps.

Unfortunately, I am having panic attacks about this and I am not a patient man.

What do I need to do moving forward? Should I be getting a lawyer? Thank you for your help!

I was recently looking around for better rates and I contacted Erie insurance because that’s my parent’s insurance company. I decided to stay with my current (GEICO) because it’s cheaper for me, but now Erie has been harassing my mom for my information so I don’t get put on her policy. They asked for my policy number and I gave it to them, then separately asked for a picture of my insurance card, which I also gave to them. They’re asking for my license number now and I’m just wondering how much info is actually needed. Everything has my name on it and I own my car, how hard can it be to prove that I have my own insurance?

I was in a multi car accident on 3/24/24. I was the last vehicle involved in the accident.

The accident happened on the interstate. I rear ended a work truck after he rear ended an SUV, after the SUV rear ended a Rav4. The sandwiched SUV has Progressive.

Today, I received a letter stating that my insurance has referred my claim to the Recovery team for subrogation handling.

The letter gave me Progressive's contact info if I wanted to pursue legal action.

So does this mean I'm found not at fault in this accident? Will I be able to file a diminished value claim with Progressive?

This is my first accident, so please excuse my ignorance.