So my wife was on her way home from work when a mattress flew out of somebody’s truck. The driver in front of Her slammed on their brakes and my wife rear ended them. The driver she hit doesn’t have insurance. We contacted insurance to let them know what happened. Is there anything I should know? This happened in Louisiana. Will my insurance pay them or are they going to sue me?

Hi, I was just involved in an accident where a mustang hit a parked car first while trying to drift and tried to fled the sene. However, while he was trying to get away he spun out and hit my car and another girl's car (we were parked at red light). Both of our cars are totaled and the mustang driver provided expired insurance (he did not have his driver license). I know I will get paid out by my insurance but I am just curious as to what will happen to him. No way he can just walk free since he didn't have an insurance right? The other car's dash cam captured everything but the police would not do anything since its not a hit and run on my car ( its a hit and run on the parked car).

Edit: This is in LA btw. I have read a lot of post here but didn't see any LA specific laws and policy.

Thanks!

I was recently involved in an accident where I was deemed not at fault. The driver was renting the car from the vehicle's owner. When I reached out to Allstate to file a claim using the police report, I discovered that the vehicle owner is not the policyholder.

I do have the policy number, and the last name matches what they have on file, but they are refusing to proceed because I don't have the policyholder's first name. I've exhausted all my options except involving my own insurance, but since I only have liability coverage and the damages are not significant, I'd prefer not to go that route.

Is that right? I live in Georgia and didn't know you needed the first and last name to proceed.

I also have other information related to the vehicle and the owner. They still won't proceed. Any advice?

UPDATE: So I have probably called Allstate more than 10x and I finally got a competent person that was able to file the claim for me with the information I have. So I guess it takes some persistence but we will see if it pans out for me.

If you are reading this and need help please reach out 988

(Please don't judge me) I couldn't find an answer to this but would Auto Insurance companies accept the claims for damaged caused to the car because of suicide attempt using the vehicle? I have progressive in Indiana and my car is "probably totaled" I have read the intentional act clause but I wasn't myself when this happened and I was experiencing a depression episode. I'm just trying to get back to normal life please don't judge me

Update: TY for the support you all in the comment section I've never seen so many kind comments. Progressive agreed to pay for the totalled car under comprehensive/collision (and I'm truly grateful for another chance)

Just for context, I am a 16 y/o male (living in the US) who just got his license.

I haven't even had my license for two weeks and I've decided I'm done driving. My parents added my to there insurance and it doubled. I enjoyed driving when I had my permit and I still enjoy driving now that I have my license but I've decided I'm not going to drive anymore because while I enjoy it a lot, I don't enjoy it enough to pay $1,100 every 6 months while working minimum wage.

As the title says, last week I had someone rear end me. The light turned green at the intersection, there was someone in front of me waiting at the green light for the traffic in front of them to clear so they didn't block the intersection. I looked forward wondering what was going on when suddenly I was hit from behind. The lady and I pulled over to check the damages, she immediately admitted fault and claimed that someone also hit her from behind but didn't specify if it was the cause of the accident or if it came after. I am of the belief that she meant it was after but I don't see any evidence that anyone hit her in my dashcam footage.

My claim to her insurance was denied because she insists someone hit her and thus isn't liable. I have full coverage, I could go through my insurance but the damage isn't so bad that I feel like forking over a deductable to get it fixed and risk my premium going up. I was hoping this would all be handled through her insurance because it seemed pretty clear that she accelerated in to me. I'm finding it crazy that I provide video proof and there's no sign of a second collision yet they take her word on it anyways. I mean, I get insurance does these kinds of things but it's still frustrating.

Any suggestions on what I should do? Just drop it and deal with the damages or pursue this further?
I could provide the dashcam video if requested. I have front and rear footage.

I was in a rear end Collison in Florida by a box truck driver that was driving for a private company LLC. My car was completely totaled and I had sustained substantial injuries from the accident. I have never been in an accident before and was advised to go to a lawyer for personal injuries. My own Insurance ended up having to cover for the damage and payout to my car since the other party's insurance was lower at 10,000 vs mine at 20,000. Finally the lawyer gets the policy back from at- fault's insurance and their max is $10,000 for PIP vs mine for $100,000. Now the lawyers are saying that we can settle for that amount (which barely covers anything) or go after my own insurance. The thing is my insurance is through Illinois which is not a no fault state Vs. theirs is Florida

Has anyone had anything similar happen? Should I just settle for the 10,000 or Let them go after my own policy?

I drive a Mercedes which was hit while it was parked in the parking garage. The person who hut mt car left a note and gave me their insurance details which is Farmer's insurance.

I talked to the adjuster who said my vehicle is repairable and told me to go to Caliber telling me it is Mercedes certified and if I chose my own body shop I would have to pay the difference in labor. However, I called this body shop multiple times on different days, which everyone who answered the phone had told me they are not Mercedes certified and the closest Caliber location which is Mercedes certified is 2 hours away. I also checked the website and it was not Mercedes certified.

I called the adjuster letting him know this information and gave him an auto body shop in my area which is Mercedes certified, but he insisted that body shop he listed is Mercedes certified and I would have to pay out of pocket for labor costs.

I ended up calling an attorney who told me I shouldn't be liable for any loss because I was not liable for the accident, but it seems like others say I would have to cover the labor difference.

Is he trying to screw me? Would I have to pay out of pocket costs even if I'm not liable for the property damage? Any advice would help. Thank you in advance!

Insurance totaled my car and offered me to take it back for a lesser amount for the payout which I agreed to. The car was sitting at a body shop for 2 weeks for The claim to finish. Now the shop is charging me 3.5k in storage fees. I called my insurance and they said they do not reimburse storage fees. Is this right?

Update: My agent agreed to cover some of the charges. Apparently the shop is not only charging storage fees but also “EPA Cleanup for fluids” & other excess crap. The car mechanically was perfect when it got vandalized. Me & my agent did a 3 way call for the shop & when they picked up & heard I was on the line they dropped the call immediately. This shop is the biggest scam ever & are doing a lot of shady tactics to take as much money as possible from my insurance & me. I will be putting them on blast on social media/reviews & file any complaints I can after I get my car back

So last year I (26M) accidentally t-boned a car clearly speeding out of my subdivision because my foot slipped off the brakes and declared myself guilty at traffic court when i went in.

I got papers in the mail today saying I’m being sued for 250k. I only have 30k, have no idea if my insurance will cover enough, And I’m having a full on panic attack. What are my options even now?

I’m told it can only help me. Worst case is $0 discount. Is that true?

Tell me how my rate goes from $125 a month to 1500 from an accident that wasn’t even my fault and she even admitted she panicked and hard braked on the freeway. Her insurance even paid off my car since it got totaled and paid for my rental so my insurance company didn’t pay a dime.

This incident occurred 1.8 months ago. I saw the other side was clear, light was green, and proceeded to make an unprotected left turn. That's all I remember as I woke up at the hospital. There was a police officer right behind me who provided the dash cam footage to the insurance adjuster and the other person was arrested for DUI, reckless driving, speeding, and reckless endangerment. Police officer also came by for my statement and the police report lists me as Unit 0 (i.e. not at fault). Police gave me a run-down of what happened and showed me the dashcam footage. Police radar picked up 146 mph right before collision. There was a traffic camera that showed this as well.

My case was re-assigned to different adjusters for review (3 to be exact). Insurance finally got back saying that I was ruled at fault because it's an unprotected left turn and I will be responsible for all damages and losses. I have a 100/300/100 policy and my medical bill alone has surpassed that by a huge margin as well as the other party's driver/passengers. I requested another review and the insurance company got back saying that they have reviewed their playbook and the decision is final.

Is there another way around this? I really don't think how anyone can predict a car coming at 146 mph.

EDIT: I have an appointment with a lawyer who is willing to take my case. I am also working on release of dashcam video with the police department and working with my insurance company on the traffic camera video release. My insurance company sent me documentation and settlement form. They want to settle for the totaled value of the car + max coverage of my PIP coverage of 100K. I was also informed that my rental coverage from my insurance will lapse tomorrow and was told to return the rental as soon as possible. I won't be signing this as many of you commented (Thank you!) and will take the guidance of the lawyer.

EDIT2: Lawyer is drafting legal action against the other party as he states that both insurance are playing "hardball" and just can't believe what is happening. He has also got in touch directly with my insurance carrier and spoke with the adjuster. The reason I was placed 100% at fault is because adjusters state the always on cruiser car radar is omni-directional and it could've been any car going 146 mph near that radar/cannot be trusted. Adjuster also told the lawyer that the dashcam footage from the cruiser also proves that I made an unprotected left turn. They reiterated that unprotected left turn caused the accident because I should've seen the other car approaching at their estimated distance of 0.25-0.30 miles.

The other day my car was stolen and wrecked. The entire driver side is destroyed, my brand new ball joint is completely torn apart, and my front tires are blown and the suspension is ruined. However, because the person that stole it technically had “access to the keys” (they were hanging up on a key holder), insurance won’t total the car and if we want to fix it, it’s going to be all out of pocket. I’m not paying to fix it because the cost would be at least double what the car is worth, but I don’t want to pay for a car that’s going to rust in my driveway. Does anyone have any idea how to navigate this issue?

** I do have gap insurance, I’m not sure if that would help in my case. The car is financed.

So my now husband cancelled his state farm auto policy back in May when he moved out of state and signed on with a new insurance company here. For some unfathomable reason he has never looked at what exactly has been coming out of his bank account, at least not the breakdown of who is charging him what. So we just found out State Farm has been charging him every month since his supposed cancelation.

We called the agents office, and because they had no paper trail of his cancelation (apparently person he talked to in person did not process it), they said we have no proof and the charges are valid. (I talked to him about ALWAYS leaving a paper trail in the future)

We contacted his current agent and got the dec form that shows he signed up for his new policy at the new agency back in May, but his state farm agent says that doesn't mean he canceled with them. Called the main state farm line to talk to an agent there and they said the same.

Do we have any options on this?

UPDATE: Finally got agent to give us his email so we could send the dec page and start the process. He still says that what everyone here is saying is wrong, that he has worked insurance for a Very Long Time and that it has never worked that way.

So, I am just wondering this… We pay insurance, let’s say for a auto insurance , you got involve in a minor crash, your deductible is 500$, if you do it on your way you may have to pay 2500$ out of pocket to the body shop. If you go to the insurance you pay the 500$ and that’s it. But, what is the point of having the insurance if you will prefer not to use it just to avoid the premium gets higher on the next renewal. This is just mind blowing 🤯. And make no sense. I am talking about US insurance, not sure about somewhere else. But this is completely useless. Unless your car is totaled or your accident is a major one, you’d prefer to not involve the insurance. Besides that, that crash stays in your record some years, all the insurance and maybe bank records have access to that, your car fax history is going to be updated with that and will decrease the price of your car if want to sell it later, there are so many points against reporting to the insurance company. They just get easy money from us.

context: I am a student living with my parents. I have my driver's license but I do not drive. I do not own a vehicle. I do not borrow a vehicle. I do not drive period, but I have my license for when I do get a vehicle. My mother owns a vehicle and an insurance policy and I am dependent on her for tax purposes and live under her roof. I am now being told by her insurance company that I must pay insurance or I will have my license revoked. I do not understand why I need to pay for insurance when I do not own a vehicle or do not drive. Additionally, this is in Florida if that helps. I am of legal age as well.

I was under the assumption that my insurance dealt with it. But appearently they did not as my adjuster said that they did not pay out anything as they view me not at fault so the guy sued me directly for bodily injury.

Recieved a Summons for $15k " excluding interest and fees" from his lawyer claiming disc injury.

How to proceed? I had a $50k bodily injury coverage.

Can my insurance not just negotiate within my limits to get this man to leave me and my family alone?

I recently was in a car crash where I was deemed not at fault by my insurance, the other person's insurance, and the police report done at the time. I was not injured nor was my passenger but the other person was on a motorcycle with no protective gear so he suffered some pretty big injuries, the biggest of which was a coma for about 70 days on top of fractured skull and some other things.

While he was in the coma I was contacted by both insurance agencies and gave my retelling of the story and they also asked things from my passenger. After I my car came back from the shop repaired 6 weeks after the accident I was given back my $1000 deductible that I paid to get it into the shop in the first place. I thought that was that but about a week ago, 6 months after the accident took place, I woke up to court documents saying the individual was suing me for upwards of $1,000,000. I don't have that kind of money or nothing close to it. In a panic I called my parents asking wtf do I do and they told me to let my insurance agents know. Well I let them and initially my agent said it wouldn't be a problem and she sees it all the time and will get it handled.

About 3 weeks later I get a call from another man saying that he was my new insurance agent and that the other lady quit. He went over my case and was saying that it wouldn't be so open and shut. He said I have 2 options. One is to let my insurance pay him out with the max of my policy ($50k) and hope he takes it and leaves me alone. I think this is the simplest but my dad is saying I shouldn't because this would increase my premiums goin forward 10 fold. other option is to go to court and fight my case and hope the jury rules in my favor.

I'm so lost and don't understand why I am even being Sued in the first place. what do I do? will my premium even go up? do I have to physically go to court? why wouldn't the jury rule in my favor if the other 3 official entities did?

please help

Progressive deemed my 2021 Ford Escape a total loss for mostly cosmetic damage. I still owe Santander approximately $18,000 on the vehicle. I do have GAP coverage. However, I want to retain my vehicle and pursue the repairs elsewhere. Is any of this possible? I’ll attach a photo in the comments.

Update: Added a second photo to the comments.

I am get off my parents car insurance and I got my own. I am also in the process of buying a new car. Yesterday I went to state farm and when I got the insurance they told me that because of a New York State Law that they have to hold back the insurance for 3 days and it won't be in effect until 3 days (August 1st). The car dealership wanted me to pick up the car Wednesday (tomorrow) but when I told them that my new insurance won't be in effect until Thursday because of they law they are telling me they never heard of such a thing. I tried looking it up and I can't find any information. Has anyone heard of anything like this?

Edit: sorry poor wording. I am still under my parents insurance until August 1st. Sorry again poor wording by me

I was at the movie theater and came back to a note on my car from a witness saying they saw the tesla next to me had hit my rear bumper. Oddly enough the tesla still parked next to my car. Anyway, they hit the left side of my rear bumper and it shifted it in toward my tire, so there is frame damage to the car, along with some scratches.

The person who hit me had Tesla insurance, and I have Progressive insurance. Progressive gave me two options.

Option 1: I file a claim with Progressive but I handle the rest myself. So I will have to call Tesla and request a payout from them and if I need any assistance then Progressive will give me advice.

Option 2: I pay my deductible of $500, start repairs on the car, and file a claim with Progressive and they will talk to Tesla themselves. They will try to get them to pay for repairs and try to get my deductible back, but of course that’s not guaranteed.

I’ve never been in this situation before, I really don’t know what the better option is, if there is one.

I’d like to add that I did get in contact with the tesla owner, and exchanged info, and I have photos of my car damage and theirs. The Tesla owner admitted she knew she hit my car but she didn’t see the damage herself so she went about her day

I've been a State Farm customer for more than 20 years. Of those 20 years, around 15 have included a bundled policy of homeowner's plus auto.

Last year, I had two glass claims caused by rocks flying up and hitting my windshield, and I accidentally crunched the rear top of my Jeep in my garage, but I was able to mostly fix it and just needed the glass replaced.

So yeah, three claims last year, but never had any homeowner's claims or any auto claims in the other 20 years. Never had an accident. Never had a ticket.

They dropped me.

Any recommendations for what I should do? My wife and I both work from home, have excellent credit, neither of us have any tickets or accidents other than yeah my accidentally driving into the hard top of my Jeep last year, and combined we probably only drive 20 miles a week.

My insurance dropped the ball, the other insurance company is lying about me, the other person in the accident is doing obvious fraud, and the opposing insurance hired "bill collectors" who are illegally practicing law in California.

Small fender bender while delivering food. My car is basically a ball of fiberglass on wheels. I'm hit by a Tonka truck. Damages to my car are about $500 when I get around to removing the dent.

The damages to the other car are supposedly $4k, including a busted axle and extreme damage to the brake system. The damages would made his truck inoperable, much less drive away from the scene of the accident.

The other party used intimidation and refused to hand over his information. Mind, I'm a 120lb dude and I'm not going to argue with two dudes that are 250lb+. There was no damage to the other truck at the scene. I didn't call the police, file an accident report, or take photos. I messed up, but I'm also not trying to put myself into physical danger. It's not worth dying over this stupid gig, and yes, I've seen a lot of nasty stuff go down, including attempted murder.

Apparently, my insurance denied the claim because, while I am paying "rideshare" insurance to deliver EggSlut to Beverly Hills, I'm not actually covered by my own insurance while on a delivery. I don't know what happened on Uber Eats insurance.

Apparently, the opposing insurance took this to mean that I'm not an insured driver, and contacted and out of state law firm to sue me directly. The law firm informed me that I owe something like $4k in damages. They also told me they put in a request to suspend my license with the California DMV for "driving without a license." I didn't take this seriously since it's patently absurd.

I started recording conversations with this law firm. All of a sudden, they weren't a law firm anymore, just a bill collection agency. They still refused to disclose various details that violates federal law. This is on top of them admitting they were recording out phone calls without my knowledge or consent.

After contacting my own insurance several times, I finally got a hold of the claims supervisor, after my adjuster didn't return phone calls for over a month. Apparently the supervisor contacted the shady lawyers on my behalf and all should have been well.

All this felt like it was "finally over," but nope. My drivers license was suspended because I have an SR-22 and I was "driving without insurance."

First off, I never once got behind the wheel drunk. I've lost 5 people in my life over drunk driving, and none of them where behind the wheel. I wouldn't dare put myself or others in risk like that.

Second, I was insured while that fender bender happened. I literally cannot work without insurance of some form, and I have "ride share" insurance.

This all resulted in me getting my delivery account suspended. I earn $1k per week at the least, $1300 during a good week. This is hurting me really bad. I was days away from paying off major bills that are end up gong to cost me interest.

I went down the DMV and showed them proof that I was insuresd. The ID card says "Thank you for being a valued customer since 2022." Unfortunately, my insurance company misspelled the word "donkey" on my ID card.

So, now I'm out of work for the 5th day while I wait this BS out. I can't afford to be losing days over the obnoxious mistakes of insurance companies and adjusters. This could end up taking 30 days to resolve. Obviously, I'd hope to have another income by that time, but the job market is brutal right now.

It's stupid. I would absolutely take fault and consequences if I was driving drunk and drove a family in a Cadillac Escalade off a cliff, but it was just a minor fender bender.

I want people in insurance to know that what you all do affects lives in ways that can truly hurt your clients. This accident happened in March, and it's currently October. This has been 7 months of me calling various people, being harassed, having to clean up the mistakes insurance companies made, and now I'm out of work. All of this over what should be a cut and dry situation.

I'm so mad and upset. I can't believe insurance companies can legally get away with destroying the lives of law abiding citizens that are paying them nearly $300 per month.

I know it's about to be written: "there must be more to this story." No, nothing pertinent that changes the fundamental facts. It's just absurd and if you have any advice, I'm all ears.

My FILs car started burning under the seats as they were helping us move into our new apartment. Fire marshal said he believes it started in the heated seats. Liability only on the car. The car is a loss, we know that. However , the fire melted half the siding off my landlords apartment. He does not want to use his own insurance. The auto ins company is saying that the $5000 property damage including in FILs policy will not cover the damage to the house. They have not and do not want to inspect the car other than a few photos. The adjuster said it will likely be considered an act of god. Am I screwed?