u/Ok_Damage_2620

I was in an accident a week ago now. It was a hit and run and the police did find him. I filed a claim immediately with my insurance, the next day I got a copy of the police report which had the other drivers insurance information.

My insurance is saying bc the other driver is at fault, his insurance needs to put me in a rental car, replace my car seats, and handle the repairs (we are thinking my car is actually totaled tbh). My insurance won’t even cover it initially.

I called his insurance, it’s a local to our town place, it’s just the one branch. I however have Allstate and they have been great getting things done immediately. His insurance isn’t handling it directly, they have like another third party from out of state??? Goodville??? I don’t understand that, but that’s what I have been told and who I am dealing with. He didn’t report the accident to his own insurance company, I am the one who informed them. They are saying they have been trying to call him for days and cannot get a response.

I keep calling his insurance (goodville) and trying to get real answers because I need a rental car. And I’m getting dinged by HOA for having a badly crashed car in my driveway, it’s not allowed. They were willing to deal for a few days, it now it’s been a week and it’s becoming a problem, and I’m going to get fined.

I can’t get my kids to school (there’s no bus it’s parent transport only), had to cancel their doctor’s appointment this week because I can’t get there, and I can’t even get a ride from someone because I don’t have car seats to put the kids in now.

The only advice I’ve been given is to pay out of pocket for these things and I MIGHT get reimbursed but…I don’t have the money to pay out of pocket for a rental car and new car seats to begin with. I just bought that car a month ago and spent just about everything I had on it.

I have been calling the person handling the claim every day and leaving a message, I called and left a message FOUR times yesterday and still have not gotten a call back. I keep talking to other people at the insurance company and they keep saying they can’t set me up with a rental car, it has to be the adjuster assigned to the claim, and they can’t do that until they get his side of the story….but he won’t return their calls

TLDR; I have no car, can’t afford my own rental, can’t get a response from the adjuster assigned to the claim, and the other drivers insurance says he won’t call them back

I was in an accident where another driver came into my lane and t boned me. I do not have rental on my policy, I’ve filed a claim with my insurance company and also called the other driver’s insurance. It’s Friday evening now, they (other drivers insurance) said I should get a call from a claims adjuster probably Monday, and that’s also when I can set up a rental car.

I called my insurance and left a message and waiting to hear back, so I came here to ask.

If I get a rental car out of my own pocket will the other drivers insurance reimburse me? I need a car for the weekend

My husband works 12 hour night shifts. He comes home, is asleep usually before we are up or very soon after we get up. Then he gets up, is here for like an hour and a half, maybe two…then is gone again. And it wouldn’t be so bad if he didn’t have all this forced overtime. He can work when they tell him to or he can be fired. Those are his options. We can’t plan anything ever because we never know if he will actually be getting his days off. And 9/10 times he doesn’t get them. He just got forced to work all of his days off this week…so he’s working for a minimum of 11 days straight. Assuming he actually gets his days off next week.

I am taking care of 3 kids 100% on my own for 11 days. Again. Sometimes it’s 5. Sometimes it’s 8. Sometimes it’s 16. And I just had to cancel on my friends birthday (of which I was the only one able to come) because he has to work now.

I hate staying home. It’s literally my worst nightmare. Everyone just says “so get a job” and no one understands I CANNOT BECAUSE WE NEVER KNOW HIS SCHEDULE UNTIL DAYS BEFORE! I can’t find anything that will allow me to work around daycare hours and cover the cost of daycare. I am so miserable living like this. I have nothing going for ME. And everyone says I have a family and that’s what’s going for me…that’s not for ME. That is what is going for US. *i* have nothing going for *myself*. *I* have no education, no career, no retirement fund, no life. Any time I get invited to something….he has to work so I have to cancel.

He feels bad because he’s never here, and he knows how miserable I am. We don’t even have a nice house or a yard, which would improve my quality of life a lot more but moving isn’t possible right now. I’m just trapped inside a single wide trailer all the time. I can’t handle taking all the kids anywhere by myself, our youngest elopes, so we hardly are able to do anything if he’s not here to go with. And he’s never here.

He’s been trying to find a different job but he hasn’t been able to get one that pays like this one does. So he’s stuck where he is at now.

I just wanted so much more for myself than this and I’m stuck in it now.

My husband doesn’t have the best credit history, and I’m a SAHM, but his income is good. With a no down payment program we qualified for $200k. And there’s just…nothing in our area for that price. I knew the market had gotten bad but this really gave me a reality check. In 2021 I was approved for $125k. And I had options with that. Ended up with a decent house that didn’t need any work. Now 5 years later $200k and there is nothing but trailers on land? We are in small town Indiana. Not the city or anything like that.

We are discussing buying one of these crappy $200k homes and trying to fix it. I am concerned about actually being able to afford repairs. Everyone keeps saying the market is going to come down, it’s going to have to crash, etc. but I’ve been hearing this for years. Is it actually going to happen?

Edit bc I’ve been asked the same thing a few times:
The house I bought in 2021 was sold in 2022. There were extenuating circumstances and it was the best case scenario. No it wasn’t in foreclosure, or anything like that.

Edit 2

These comments have reinforced my idea to not buy the cheaper house that needs work. We are going to wait and save more to buy something for a higher price that will be move in ready and maybe just some cosmetic issues

My son will be 2 in two weeks. Lately he has been opening my front door and trying to run outside. I have been locking the door (knob and deadbolt) and that has kept him inside. Today I went to get dressed, and noticed it was oddly quiet in the living room. I came back out half dressed, and saw my front door wide open. I know it was locked because I checked before I left the room. I ran outside without a shirt and I didn’t immediately see my son. He ended up being on the other side of my house in my neighbor’s yard. I grabbed him and brought him back inside and I was hysterical. My poor 4 year old cried and said it was all his fault for not watching him which made me feel even worse. I told him it’s not his job to watch his brother and it’s not his fault or his responsibility.

We got a chain for the door so it can’t be opened and I’m researching and going to order an alarm system this week. My mom keeps saying it’s fine and nothing happened, but I just can’t stop crying because what if something bad happened and it was all my fault? I feel like the worst mom ever and have cried all day. My kids aren’t even safe with me.