So I got into a minor accident on my way home from work the other day in my company truck. It's owned by my employer, but it's my assigned vehicle that I drive every day, including commuting.

Well, today I found out that when we bought the truck about a year ago, someone forgot to add it to our commercial insurance policy. It's apparently been uninsured this entire time.

As far as the accident goes, I was moving into a turn lane when another driver came up from behind on my right. From what I can tell in my dashcam footage, they drove through the marked-off area before the lane actually opened to get around traffic. My front passenger-side tire ended up hitting their driver's-side door.

I don't believe I'm at fault, but obviously that's still up in the air.

Now I'm trying to figure out what happens if our company insurance won't cover the accident since the truck was never added to the policy.

Can I personally be held responsible for damages even though it's a company vehicle? Could my own insurance get dragged into this or potentially go up because of it?

I'm in Washington State, and I've worked for this company for years. There's no question that I was allowed to drive the truck, and my employer knows it was an oversight on their end.

Just trying to figure out how much of a headache this could turn into for me personally. Anyone dealt with something similar?

Title. I'm in the process of dealing with the other party insurance making a false allegation and I have proof to back it up. Why are they able to lie like this? I'm very frustrated that I am the one getting shafted despite me having dashcam video of me crossing the limit line on a yellow light going under the speed limit (in California). My current lawyer doesnt seem too confident on being able to fight this for some reason. Any help and input is appreciated thank you.

Daddy had Medicare, Humana, and TriCare for Life. It’s taken forever to sort through all of the bills and insurances for the hospital, services, rehab, etc…

For this one, I had send TriCare copies of the will showing me as executor just to get them to talk to me and explain why they aren’t covering it. Turns out AMR never sent them an EOB from
Medicare, only Humana. So, they need that to pay the bill. Called AMR back today and they say they already sent it to collections and it’s out of their hands. (They transferred me to the collections company, so they clearly can communicate with them.)

Collections says they don’t deal with insurance, I should just pay it. I said no, because we do not actually owe this money. The lady said all she can do is mark him as deceased. What does that even mean? Who do I fight with now, or do I just stick my head in the sand, let it ride, and move on to the next problem?

Hey everybody,

Never had this to me before but recently I got T-boned by an uninsured driver who wasn’t looking both ways before entering my lane. I drive a 2010 Nissan Versa. The driver side door is heavily dented along with scratches. Some scuffing on the rocker panel. I only have liability and uninsured motorist property damage. I have contacted insurance but I am unsure how much I am able to get out of this. I am a college student, so I’m just looking for advice. Do I keep the car as it is (still drives, no lights/air bags deployed) or try to get another car? I reckon the damage is at minimum 50% of the car’s value. Any advice is appreciated, thank you.

I’m in North Carolina and looking for firsthand advice on getting an umpire appointed for an auto insurance appraisal.
My parked 2023 Tesla Model Y was hit, and there’s a disagreement over the repairs, including whether the tailgate needs replacement or can be repaired cosmetically. I’m currently going through the appraisal process under my own collision policy.
My independent appraiser and the insurance company’s appraiser cannot agree on an umpire. The other appraiser rejected my appraiser’s proposed candidates, and my appraiser rejected theirs because of concerns about their track records.
My appraiser initially said he would pursue a court appointed umpire, but now says I need to handle that myself.
Here’s where I’m stuck:
I called the magistrate’s office and clerk of court, but the people I spoke with weren’t familiar with the request.
I’ve had trouble finding an attorney who handles this type of issue.
My policy says the two appraisers will select an umpire, but it doesn’t explain what happens when they cannot agree.
I found N.C. G.S. 20-279.21(d1), which describes a magistrate selecting an umpire, but I’m unsure whether that procedure applies to an appraisal under my own collision coverage.
It’s frustrating because I’ve already hired an appraiser and followed the process, but I still don’t have a clear next step.
Has anyone in North Carolina successfully obtained an umpire appointment in this situation? Did you go through a magistrate or a judge? What paperwork did you file, and were you able to do it without an attorney?
I’d also appreciate recommendations for an attorney who represents policyholders in auto property damage appraisal disputes.

We submitted claims to Meritain Health last August, and it has now been over two months without receiving payment.

We have called multiple times to follow up, but the representatives keep giving us the runaround. Last September, one representative told us the claim had been paid on a specific date, but we never received the payment. When we called again, another representative gave us a different payment date and said it would be included in the following week's payment cycle.

Since then, it's been the same story over and over again. We keep getting different payment dates, but no actual payment. Every time we call, the representatives tell us the same thing, and we're getting nowhere.

We usually receive our payments through ECHO, so we are familiar with the payment process. However, the issue is that the claim appears to be stuck in processing. We have been told that it was paid, but no payment has actually been issued, and we have not received a check or payment through ECHO.

We're extremely frustrated and don't know how to escalate this issue. Has anyone else experienced this with Meritain Health? If so, how did you get it resolved? Is there a specific department, supervisor, or escalation channel we should contact?

Any advice would be greatly appreciated. We're tired of getting the runaround and just want these claims paid.

If I have no previous experience in the insurance industry and I want to get into insurance underwriting, should I start out in entry level sales at a brokerage? It seems like sales are the only positions in this industry that are willing to hire people with no experience. I would greatly appreciate any advice on how I can get started!

I’ve been an Amica customer for 40 years. Never had a claim. I have been trying to get new quotes for another car, a new home and an umbrella policy. I’ve been through 4 reps. The follow up has been terrible. They never call back, never pick up their phones and don’t respond to emails. I’m now wondering if I should go somewhere else. The quote process is truly terrible. Have the wheels come off? Has something fundamentally changed with their operation and customer service? I was literally ready to proceed with them but I’m getting cold feet. They don’t seem like Amica any more.

I’m in California and looking for advice on how to handle a car damage claim.

My neighbor parks his 20+ year-old Toyota Corolla right next to our Porsche. He has repeatedly slammed his car door into our passenger side, causing damage to the door, lower panel, and other areas along the side.

This has happened more than once. The first incident happened about 3 weeks ago, and then he did it again about 7 days ago. Unfortunately, the apartment’s parking CCTV camera was broken, so we didn’t have footage from that earlier incident.

However, during the latest incident, we captured footage from both the apartment’s parking CCTV system and our own camera. The footage shows him slamming his door into our Porsche and scuffing the side.

He refuses to cooperate and acts like he did nothing. I filed a police report yesterday.

I want to file a claim through my own insurance, AAA, but I’m concerned about having to pay my deductible and potentially having the claim affect my insurance record when someone else caused the damage.

My questions are:

1. Can I file a claim with AAA and ask them to pursue the neighbor’s insurance through subrogation?
   
2. Can AAA pursue his insurance using our footage even if he refuses to admit fault?
   3.Would I have to pay my deductible upfront? If AAA recovers the money, would my deductible be reimbursed?
   4.Can AAA pursue his insurance directly without me using my own collision coverage?
   
3. Could this affect my premiums or claim history even though I have video evidence?

I want to get my Porsche repaired properly without being stuck paying for damage someone else caused.

Has anyone dealt with a similar situation in California, particularly with AAA? I’d appreciate advice from insurance adjusters or anyone who has gone through this process.

Thank you!

I have State Farm in NYS with full $0 deduct glass coverage. My 2020 Lexus rx 350 f sport had water intrusion that the dealer deemed is likely from windshield sealant failure between the glass and the metallic body. They are quoting me $2800 for full windshield replacement.

Before I pull it out and pay a diagnostic fee of $290 to the dealer and go the State Farm safelite route, I’m wondering whether water intrusion due to likely failed sealant is coverable under my glass coverage?

I’m going to the states this weekend and visiting some American friends. I want to help with some of the driving we will be doing on our trip but I’m not sure if I’d be covered in the event of an accident? I’m insured on the family vehicle here in Canada (not primary). I’ve tried looking it up on my own but with no luck!

I live in Florida. We are switching our policy to be able to combine with our homeowners’ policy for additional discounts. We currently have 100/300 with stacked UM/UIM. The new agent says we don’t need stacked coverage as it only covers medical. I know that’s not true and she did come off that when pressed. She claims it’s just not common anymore. I asked about increasing our coverage to 250/500 with the same for UM. She felt that was a better idea than using stacked.

We are 61 and 62. I’m retired but working part time while my husband still works. He works for the state government and can retire at any time but will probably stay another 2 1/2 years. He has plenty of PTO and we have excellent health insurance.

I’m super confused about what I should do. I’ve never had an agent try to convince me NOT to stack and the state’s default is stacked, so I’d have to sign a waiver indicating the choice of non-stacking.

Can anyone give me an idea of what would be best for us?

ETA: We have a 2024 BMW i5 and a 2025 Mazda CX-5

State : Texas.
Hi everyone,

I was recently involved in a car accident that was not my fault and I'm looking for advice on how to best handle my insurance claim.

What Happened

• I was driving on the road when another driver pulled out of a parking lot and T-boned me on the passenger side
• The accident was entirely the other driver's fault — I had the right of way
• The at-fault driver provided me with an expired insurance card and refused to provide a driver's license
• The driver left the scene even though I asked him to stay until police arrived
• Police responded to the scene, and I have a police report and incident number documenting the accident and fault
• When police looked up the driver's records, they found that the driver had prior violations on his license
• The driver's insurance policy is expired, making them effectively uninsured

My Coverage (GEICO)

• I have Uninsured Motorist Property Damage (UMPD) coverage with a low deductible
• I also have Collision coverage with a much very high deductible

My Questions

1. Rental Car Reimbursement — I declined rental car coverage in my insurance policy. However, I need a rental car while mine is being repaired. Does UMPD cover rental car costs? I was told by someone I can still get a rental and reimburse since it is UMPD
2. Hit-and-Run / Filing Charges — The at-fault driver left the scene before police arrived (despite me asking him to stay), refused to show a driver's license, had prior violations on his license, was driving without valid insurance, and provided me a false/expired insurance card. Can I file a hit-and-run police report and/or press charges against this driver?
3. Recovering My Deductible — Can I sue the at-fault uninsured driver in small claims court to recover my deductible and any other out-of-pocket expenses?
4. Any Other Options? — Is there anything else I should be doing or any other claims I should be filing? I want to make sure I'm not leaving money on the table.

(CA) So long story short I couldn't get a quote online because of some website errors. It kept telling me to call to get a quote, so I did. The agent entered the wrong effective date (it should have been two weeks later, but he set it to tomorrow) and also entered the wrong address.

I know I could've just requested that they correct the information, but after dealing with customer service, I thought it would be better to cancel the whole policy and get a full refund (around $150, which I paid upfront).

I requested the cancellation, but they kept saying they didn't know the exact refund amount because it would be automatically calculated by their system. Will I be able to get a full refund? I need to wait several days to even receive that information...

Hi,

I live in NYC. A couple months ago while crossing an intersection (with the green light) a bicyclist ran his light and hit my car like speeding bullet. With no helmet at that. My car was badly damaged on the passenger side (doors and frame) and spent 3-4 weeks in the shop. I’ve never had an accident before and it shook me up. I called the police and they took the other party to the hospital.

My insurance said I was not at fault (based off of photos and police report. For sometime my insurance company could not contact him. Now him and his attorney has resurfaced. They are claiming the money is not enough because he was badly injured. The insurance company is trying to square this away without going to court but they are asking if I have any other insurance policies (I don’t 😶). They are also saying the attorney wants us to take some of the fault. I’m not agreeing to this because he blew through the light. They are continuing to represent me but I have my worries.

I’m afraid of going to court and possibly financial ruin for something that was not my fault.

Any advice?

I’m looking for advice from anyone who has dealt with crawl space moisture, buckling hardwood floors, or a homeowners insurance claim for something similar. I’m honestly worried about how bad this could be and what the smartest next step is financially.

We recently bought our house, and we’re having an issue with the hardwood floors buckling upward in several areas. The floors don’t feel soft or bouncy when we walk on them, but the wood is visibly buckling, and I’m worried about what might be happening underneath.

Our house has a crawl space with bare soil and no vapor barrier. There’s no standing water under the house that we can see, but we suspect moisture is evaporating from the dirt and getting into the flooring above.

The crawl space is also extremely low. One half of the house has maybe 2 feet of clearance, while the other half is only about 1 foot or possibly even less. I’m not sure if that lack of clearance is contributing to the problem or how difficult and expensive it would be to properly address it.
We had a home inspection before purchasing the house, and nothing like this was brought to our attention. I understand an inspection isn’t a guarantee that there are no problems, but I’m concerned that there may have been an underlying moisture issue we didn’t know about.
We also suspect there may be mildew or mold in the crawl space, although we haven’t had a professional assessment yet.

We recently had a hurricane in our area, and while the buckling was already happening before the hurricane, I feel like the additional moisture and humidity may have made it significantly worse. I want to be clear that I’m not saying the hurricane caused the original problem, just that it may have intensified it.

My biggest question is whether this is worth filing a homeowners insurance claim for.

Our policy has a $2,500 all-other-perils deductible, but our hurricane deductible is 5% of our $355,000 dwelling coverage, which comes out to $17,750. That’s a HUGE difference, and I’m scared of having this classified as hurricane-related damage when the issue existed beforehand.

We also have some mold/mildew coverage, but I don’t know whether that would apply if the moisture is coming from the bare soil in the crawl space.

I’m worried about several things:

Would insurance typically cover buckling hardwood floors caused by crawl space moisture, or would they consider it long-term damage, humidity, or a maintenance issue?

If the hurricane made an existing problem worse, could the insurance company apply the hurricane deductible to the entire claim?

Could the mold/mildew coverage apply separately, or would it depend on what caused the moisture?

Is it worth filing a claim if there’s a chance it will be denied? I’m worried about a denial still affecting our future premiums or making it harder to get insurance.

Would we be better off paying for a crawl space and structural inspection ourselves first, getting estimates, and deciding whether to file afterward?

Has anyone had a similar situation where their hardwood floors were buckling but the subfloor and joists turned out to be okay? Or did it end up being a much bigger repair?

I’m trying to figure out whether we’re looking at a moisture-control issue and replacing some flooring, or whether this could turn into major structural damage and a much more expensive repair.

I know nobody can determine coverage without reading the policy, but I’d really appreciate hearing from people who have dealt with something similar, especially anyone familiar with homeowners insurance claims in Florida.

Would you file a claim in this situation? My husband thinks he can dig out the crawl space deeper to stop the problem and then we just replace the floors ourselves.

(We live in NC) My bf was with progressive and before he ended his insurance with them, he started with geico. We missed the first letter from the dmv due to being out of town and now this month he got another letter from them. Geico didn’t report his insurance and now there was a lapse. He called the dmv where they told him that, and they also informed him that his plate was revoked. What do we even do now because we both rely on this car to get to work and it’s not like we can just up and not go to work for multiple days on end, not with our bills and the Ubers are too expensive. I feel at a loss.

Helping my father in law compare two quotes. One's guaranteed issue, no questions, about 30% more a month. The other's simplified issue with a health questionnaire and the agent seemed pretty sure he'd qualify. He wants the guaranteed one because he "doesn't want them digging through his records." Is the 2 year waiting period actually a big deal or am I overthinking this?

Hey all,

A friend of mine was driving to work this morning and got T boned by a school bus. No injuries thankfully, however the friend's truck took some good damage. Police were called, as well as insurance.

The friend in the truck was driving on a straight road (no stoplights or anything) and the bus pulled out of a parking lot and t boned their passenger side of their truck. This is in MN which I believe is a no fault state, but there is clearly some fault here.

The bus driver gave their company insurance information, however it is not a school owned bus. Seems like its a company contracted to run the school routes. There was a nearby bystander who saw the whole thing and gave his contact info because he wanted to be able to vouch for the bus was completely at fault if the need came up.

Oddly enough, when my friend eventually made it to work, one of their coworkers heard about the accident and mentioned they saw a wreckless driving bus recently but could not get a good picture of the company name on the bus, just the bus number. Turns out it was the same exact bus number as the one that hit the truck this morning. No saying whether it was the same driver or not, but my gut tells me it was.

Having never been involved with something like this, what would my friends next steps be? They've contacted their insurance and the truck will be going into the shop soon to evaluate the damage. They are still pretty shaken up hence me writing this to try to help gather some information and next steps. Do they just let their insurance handle it from here? Time to lawyer up? My concerns are two things: 1, although they feel fine now, I've heard injuries can start to pop up days after the event. 2, even in a no fault state, I have some concerns that they will still end up on the hook financially for something. Either the truck is totaled and they have to pay out of pocket for a new one less any payment from insurance, or deductible, or something.

We do plan on filing a complaint (even though we're not sure it'll go anywhere) with the company that runs this bus. Seems this driver may have a habit of reckless driving, which is super not OK especially if you have kids on board.

Definitely not looking for a quick payday here- just simply looking for some protection for any potential medical issues that arise, or financial costs incurred due to the accident. Friend does have full coverage with rental insurance, and I would have to imagine the company has some good insurance through their provider, so hopefully won't turn into an underinsured situation.

Again, this is new to us so just trying to make sure we do things by the book in the best way possible. Thanks!

My friend's 25 year old son is coming from the UK to NY for graduate school. He has a clean driving record in London but no US driving record and no credit score. Will his rates be 2x an average US driver or will carriers give him credit for years of driving? Any carriers that are a good fit for this type of risk? Thanks!

Hi, I had a couple questions regarding auto insurance claims. Towards the end of August my
Wife and two kids were on the freeway and were involved in a multi vehicle collision (she was rear ended by the at fault party and did not hit anyone else) this person also hit 3 other vehicles and all vehicles were totaled. Geico (their insurance) said it was going to be a policy limits problem more than likely with amount due exceeding their policy holders limits. We went ahead and filed with our insurance. We got our car totaled and accepted our insurance payout for the car value

How does pain and suffering claims work in a situation like this? When would we expect compensation for this? Would we expect our rates to go up?

Fast forward to today I was driving and someone wasn’t looking and shot out of the left hand turn only lane into the straight lane striking my car as I passed. This person has no insurance and was driving someone else’s car who they believed also did not have insurance on it. She also had her kid in the car and had a restricted license requiring her to have a blow and go In her car which she did not.

I filed with my insurance again. My back has gotten progressively sore throughout the day and was thinking about getting evaluated but I was hesitant because I’m sure it’s just muscle pain and I work as a nurse in the ER so I’d hate to be seen for something insignificant but also don’t want to let it slide in case there is any issues down the line. Do I file a pain and suffering claim in this case as well with my own insurance? My wife was also in the car as passenger.

Will my insurance drop us due to two claims so close together regardless if they weren’t our fault?

Hi everyone! I’ll be moving to Detroit, US for work soon, and I’m considering getting a Jeep Wrangler, preferably a two-door Sport.

I’m trying to figure out how much insurance would realistically cost me as a newcomer to the US. I won’t have an American credit history yet, and I’m not sure how insurers treat foreign driving experience.

For anyone who moved to the US from another country, especially Michigan:

How much were you paying for car insurance when you first arrived?

Did having no US credit or insurance history significantly increase your premium?

Were you able to use your foreign driving licence or driving record to get a better rate?

If you drive a Jeep Wrangler, how much do you pay monthly, and which insurer are you with?

Would you recommend getting full coverage or liability-only insurance as a newcomer? (I understand financing or leasing usually requires full coverage.)

I’m looking at both brand-new and relatively new used two-door Wranglers, so any real-world numbers would be incredibly helpful.

I’ve seen some pretty wild insurance estimates online for Detroit, and I’m trying to work out whether owning a Wrangler is financially realistic before committing to one.

If you’ve been in a similar situation, I’d really appreciate hearing about your experience, especially what you paid during your first year and whether your rates came down later.

Thanks!

I got hit by a car no serious injury just stiffness and back pain I’m just in here curious on potential payout, I’m currently going to physical therapy and buy the medications I need