r/Insurance

I was meeting up with my friend and I was reverse parking into a parking spot when I hit a tesla and the alarm went off! I went out to look at the damage and the only thing I could see was that the license plate was a bit dented which could easily be fixed with a hand. I freaked out and circled the parking lot until I left a note with my first and last name and phone number and wrote something like please contact me for money or something like that I was freaking out. I wrapped it around the windshield wiper cuz it was fairly windy but the back of the ripped paper had my homework notes on it. After going into the cafe and coming out an hour later the car disappeared! I’m afraid they didn’t see it or thankfully they didn’t care enough to contact me. I rlly hope my insurance doesn’t get involved becuz that would financially affect my parents. I’m 18 and I’ve never been in an accident in my life, and I swear i’m a decent driver.

funny enough I got a call from an unknown number and I thought it was them but it was just a wrong number

On the way to a job interview I looked down at my phone to see how many miles until the destination on Maps, saw that I needed to make a left turn. So I signaled and made that turn.

As I was turning I saw another car swerve and hit the medium. I pulled over and the person from the other car came to exchange insurance. They said “you were turning left in the right lane you almost caused an accident I have kids in the car”

I very well may have been in the right lane and turned left. I don’t full recall whether it was or not. Needless to say I apologized and we exchanged insurance.

My car was not damaged as it did not make contact with the other car. The other car’s bumper came off and their tire seemed popped. Some trouble with starting the car but they eventually got it going so it was still drivable.

Am I at fault for possibly turning in the wrong lane? I did not see their car before I had signaled and turned so it’s likely they were either behind me or next to me.

I have comprehensive coverage on my car, and it rained quite a lot recently. Enough so, that I noticed it got inside my engine bay. I didn’t get any electrical issues, besides the car developing a misfire. It seems water got where the coils go (on top of the spark plugs), which there is no other way to get water there, besides leaking from the top. How in the world does insurance classify this? Can I file a claim? It’s certainly not a mechanical issue. Quite literally water at the last 2 cylinders, right underneath the windshield, where most of the rain water really is falling. There’s drains on the car, and they work fine. no leaves or anything stuck. But somehow water got through. What can y’all advise me here? Thank you in advance!

29 YO Male - I’m shopping auto insurance in PA and wanted opinions on whether I’m over insured or if this is a reasonable setup. I currently have full tort, 100k/300k/250k liability, uninsured 100k/300k stacked and underinsured motorist coverage at 100k/300k (unstacked), full coverage on a 2025 Camry Hybrid with $1,000 deductibles for both comp and collision, rental reimbursement at $60/day, roadside assistance, and loan/lease payoff coverage. Monthly premium would be about $562/month if paid in full for 2 vehicles in the Philadelphia area. Does this sound excessive, reasonable, or would you change anything?

I do not own anything significant and rent at the moment - no retirement plans, yet. Just my car. Bring home around $4500 a month, $18k in savings. No kids. Single.

I had a collision with the vehicle in front of me while washing my car today. My speed was likely under 5 miles per hour. My car is all good.

The car I hit it is quite new. I guess 2026 Lexus NX450h+. My current insurance is 122/mo with Geico

There is a long line dent in the area below the license plate with no paint damage. Since it is luxury car, I estimate the cost will be 3000.

Thank you for your time.

I was recently rear ended by someone who is not insured - but the owner of the vehicle (the mother) is insured. I have dashcam footage of the accident and a police officer came on the scene and gave them a ticket and provided a receipt to me. State Farm (the insurance company the mom uses) is saying that there isn't much they can do since the son was not insured. Is that really the case? Since the car is insured through the mothers policy?

What should I do here? I'd rather not submit a claim through my own insurance because I don't want my premiums to go up or to pay my deductible.

Not sure if this is the right spot to post this and I apologize in advance if it isn’t.

My car got destroyed by hail and the insurance company is trying to say it is not a total loss. Is there a way to get an independent adjuster or body shop to give a second opinion? There are hundreds of dents on the hood roof quarter panels etc

Thank you

My parked car got totaled by some teenager on a learner's permit here in Florida (along with damage to 3 other parked vehicles). GEICO (insurance of the teenager's parent that owned the vehicle) just notified me they accepted liability, but they have the minimum coverage of 10k, and given the multiple cars involved, I'm expecting my cut to be close to maybe 3-4k if even (they also said it'll take many more months for them to determine my cut). My 2018 Honda Civic was deemed a total loss (by GEICO's adjuster) with:

- ACV/value: ~$14,500 (per GEICO valuation)

- Repair estimate: ~$10,500 (also per GEICO's own adjuster who determined this to be a total)

- I sold it as salvage to Peddle for $5,050 (got a bunch of pictures beforehand)

- Rental costs: ~$1,050

- Towing: ~$150

- Storage: ~$400

So my net damages are still around ~$11k.

I did NOT have collision coverage.

I’m considering refusing the settlement/release and instead suing the driver/vehicle owner directly in Florida small claims court for part of the uncompensated damages (which I know caps at 8k), but first I'm just gonna send them a demand letter for the full damages (minus salvage ofc).

A few questions:

- Am I missing anything major strategically?

- If GEICO already accepted liability, is this basically just a damages/collection issue now?

Seems dumb for me to sign a release for a few thousand, obviously there's the question of if they're judgement proof, etc. but they were driving a relatively new Genesis G80, so they likely have assets to be pursued.

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

So my mom has 2 cars, one of which she let's me use at my disposal. Our insurance recently lapsed and her policy will no longer insure me, and I have to find my own coverage. My mom is offering to "sell" the car to me and transfer the title to my name. Do I put the car in my name and get basic liability insurance, or do we leave the title as is and I purchase non owners insurance? What is more cost effective?

Hey Reddit,

So I had a question on behalf of a situation my girlfriend is going through. About a week ago we were driving and there was a truck in front of us, suddenly a piece of metal falls from its undercarriage and gets lodged under her car. We were traveling at about 45 mph and dragged it for about 200-300 feet before coming to a stop, the truck it fell from clearly didn’t notice and kept driving. It was super tough to get out a gentleman pulled over and literally got under the car pried it out with some pliers. The car was working and driving just fine so we carried on. About 2 days ago check engine light comes on so we take it to a Honda dealership and as soon as they lift it they find that the front sub frame and the fuel line has been damaged. They are quoting about 6.5k my girlfriend is in a policy with her mom and dad under state farm however she is extremely concerned about spiking rates for everyone. Information I do know Is they have had this policy for at least 5 years if not longer without any claims. We did call just to inquire and they are ruling it as a collision claim. I know there is no concrete answer but how badly can she expect to mess up everyone’s rate.

Thank you

My premiums have doubled in 5 years and I'm wondering what my options are. As far as I see Liberty Mutual is pretty much up there in terms of coverage. Where else can I look to at last compare to make sure I'm not over paying?

I have Kaiser permanente under my job, and Multicare under my parents. Kaiser has a contract with Franciscan Health hospitals but not Multicare. I was wondering since I have Multicare as my second coverage would it make sense for me to go to their hospital? Since it’s my secondary coverage and Kaiser likely would not be covering it should I go with a Franciscan hospital? I’m not entirely clear on how dual coverage works.
(I prefer multicare to Franciscan is why this is even a debate in the first place)

I recently switched my home, auto, and umbrella to Allstate. Got the quote, signed up, made full payment. Now, 2 weeks later, they are coming back and saying I have to cut down a tree that is too close to the house. Not only do I have the expense of cutting down the tree, which completely blows any savings from switching, but I have to cut down a 60 year-old healthy tree.

The tree and its location relative to the house is easily seen from any street-view picture. They obviously didn't do any due diligence in advance.

This feels like a bait and switch, but since I was with my previous company for over 30 years, I don't know if this is common.

I was in a minor fender bender. I have full coverage and took my vehicle to the collision center that was suggested by my insurance company. They just did the quote to fix it and said $4,000 dollars, insurance wants to total the car as it is only worth around $3,000. I need the car. They are saying I have to pay out of pocket for them to reassemble the car so I can take my car home. Insurance agent is the one saying I have to pay out of pocket for the reassembly. Located in Tampa Florida What do I do?

I feel like this should be an easy question to answer, but it potentially could have a big impact and seeking some advice. I was involved in a car crash and was transported to the hospital for treatment. Had ct scan, blood work etc and was discharged. I have sent my auto insurance all of the bills and now the person that is at fault insurance (Avis Auto) is trying to settle the claim for health bills. I have about 40k of bills and they are only offering 3k. I do have $5k coverage for medical with my auto insurance. Since the bills have not been paid I would assume I need to have the other insurance cover the bills and some cost for pain and suffering. If I settle with less than my total cost of bills I would need to file an underinsured to cover the medical bills with my insurance. I would assume my auto insurance would then pursue subrogation to get their money back. I don’t want to have to cover the medical bills since it’s not my fault.

I do have health insurance and not sure if I need to run the medical bills through them?

Anything helps! Thanks

I applied recently and received a latter that I got denied due to income which hasn’t changed. After calling the dcf office, the agent let me know that we could actually do a phone interview which we did. She then proceeded to ask me questions that were not part of my application. Now i have to submit proof of rent, light and water bill including a statement from my children’s daycare stating that I pay X amount monthly, also a statement from my child’s father stating he supports me with X amount of money monthly. But no paystubs. I’ve never been asked for these documents before. Has anybody else had a similar experience?

Hey everybody, I just got off the phone with a Progressive agent and am a little baffled. I guess I'm looking for some assurance that this interaction was out of the norm. Or, if it wasn't, then I'd like to just vent. 😄

Context: I currently have a joint homeowners/auto policy with Progressive that's been active maybe 6 years or so. It's been middling but adequate service, no claims whatsoever and constantly rising premiums, yadda yadda yadda.

I am in the process of buying a new vehicle -- just put down a deposit but don't have a confirmed delivery date because the car is in transit to the dealership and they could only provide me with a two-week range. Before finalizing the purchase I want to make sure that the insurance premium won't be outlandish. I have the VIN so figured that would be enough to get a quote started.

The agent I spoke to pushed me for a specific date in order to generate a quote, even after I explained that I don't have a date -- I have a two-week window that is subject to change. He then said he couldn't help me (in a rather combative tone, tbh) when I repeated that I was unable to give him a date beyond the second half of June. Is this normal? I don't plan to stay with Progressive after this because it seems absurd and I have no loyalty to a company that has reaped far more benefit from me than I have from it. I understand that altering the start date of the policy could result in a small change to the quote, and I'm okay with that. But to not be able to provide a quote at all?

Is there any way to see how much each person who is driving/using the insurance, has to pay apart? Like, how much each individual person has to pay, because I'm being told I have to pay $700 every 6 months on the 5th, which is the 5th of June and December. The actual total is $885, I've been paying since I was a sophomore in high-school and just graduated recently. Ofc it wasn't always this number, I used to pay around $400, but because I got into an accident that wasn't my fault, the insurance still put it down it was. But I'm wondering if this is fair? If I'm paying the entire total besides around $200. I'm glad to help my parents but I just want to know if there's any way to see how much each person has to pay?

Edit: I got into an accident in 2025, and we only own 1 car, we have another one but it's never used and on the papers it only contributes like 5 bucks.

My cousin hit the finder with his vehicle and I’m trying to figure out which method would be good for both of us. I got a couple estimates and they also said the same.