r/Insurance

Me and my wife have our own corporate insurance provided by our companies. A couple days back when my wife gave birth, the bill came up to 1.5L. Rainbow in our city not being a network hospital for my wife's TPA, I thought I'll go with mine for the initial part of cashless with a maternity limit of 70k and use wife's insurance with a limit of 75k to claim reimbursement.

But it came down to me paying the entire amount upfront cash because,

While providing E-Card, my TPA informed that maternity claims can only be made only if my wife was already added as a dependent on my Insurance.

I don't know why I did not add her, maybe thinking she has her own insurance and a scenario of her needing mine will not come (OR) when my Insurance fine print says self+spouse+3 children, my dumb f*ck brain thought my E-Card will cover them all by default.

Now I can only claim reimbursement using my wife's insurance for the limit of 75k

Isn't the marriage certificate itself a proof to make a claim against my wife on my insurance?

Can anything else be done in this situation?

Tl;dr - Did not add wife as dependent in Insurance, cannot make a claim for maternity bills now

Hi friends! Backstory here.

I was pulling into my drive way and was rear ended by a driver with no license. I contacted his insurance company and was told by the rep he had no insurance. I file through my insurance bc my car is totaled. ( goodbye 2004 Monte Carlo ) I now get a letter in the mail saying there is insufficient evidence to support any claim of fault from his insurance.

Not sure what to do ??? In my state police reports don’t state who is at fault, but this mfer hit me hard enough that he ended up flipping his fricken car. I’m just out of a reliable car now, and stuck with 3 grand to try and find something that isn’t a hunk of junk. Any assistance is welcomed.

Hi Everyone,

I have progressive rental insurance: for liability its 300K. I signed a new lease and want to transfer/ open new policy for new address, however the new lease states I need 500K in renters insurance.

But I also have an umbrella policy for 5M. Progressive has told me the umbrella policy takes over after the renters insurance, so I wouldn't need to have the 500K policy, however the realtor is telling me I need the 500K renters policy.

Anyone dealt with something like this before?

For context I got laid off from working with a smaller agent 2 months ago. Going to work in corporate insurance so I need my 20-44 ( I’ve had my 4-40 for 6months so I prequalify). I passed my 2-14 life & annuity a month before getting laid off so that should give me some sort of confidence right ? 20-44 tips / insight pls ⬇️ ( For context I’m in Fl)

For about 10 years we had a package policy through a the AARP Hartford program and we maintained a $2m umbrella on top.

Well, after a year’s grace period, Hartford pulled out of CA and dumped our HO.

After a couple of years through the pandemic we floated around with State Farm, AAA and Farmers. We didn’t get the umbrella since we weren’t leaving the house much during those years.

Now we’re in the Costco Connect Program through American Family.

Our renewal is 4/15 so I called this morning and asked for an umbrella quote. The rep was very interested in our occupations, as my wife and I both work in Entertainment, she at a Studio (office job) and I work freelance in production.

After several minutes on hold the rep came back and said we were not in occupations that fit the underwriting guidelines for umbrella coverage. That took

me back as I have never heard of blacklisting specific professions for 3rd party liability coverage.

So, where’s the best place for clean risk to get an affordable standalone umbrella these days??

Currently with Progressive, and I had an issue with my serpentine belt that I needed tools for but not a tow. Didn't have data service for some reason but could call out and the phone just kept telling me over and over to just use the app. Had to hitch a ride to the nearest gas station where I had data service and even then the app is only configured to find a way to tow your car somewhere. I still tried to make the best of it and called the 3 nearest shops, all of which said they were full even though I told them the problem was just a sheared bolt and it just needed to be replaced.

Overall, my situation was a roadside/parking lot fix, I had to have data service to even start a roadside assistance claim, and even then the app only gave me tow options to places that were unable to accept a car.

So I'm shopping for a new insurance provider that will actually give me a human I can talk to. I am eligible for USAA but willing to take any suggestions if people have good experiences.

Thanks in advance for any advice!

Hi All,

I’m a new driver trying to make a cost-conscious but informed decision on auto insurance, and I’d really appreciate some guidance.

I made sure to request identical coverage across multiple insurers so I could compare apples-to-apples. Here’s what I’m currently considering:

Coverage:

• Liability: $30k / $60k (bodily injury) + $25k property damage
• Uninsured motorist: same limits ($30k / $60k + $25k PD)
• Comprehensive: $500 deductible
• Roadside assistance included

Vehicle:

• 2012 Nissan Versa (~$4,000 value) → I intentionally skipped collision since the premium didn’t seem justified relative to the car’s value.

Quotes (monthly):

• Progressive: $238.51
• State Farm: $152.68
• Farmers: $153.70
• Allstate: $167.23
• Geico: $173.18
• AAA: $119 (+ $35 one-time membership)

From a purely financial perspective, AAA seems like the obvious winner. But I’m trying to think beyond just price and consider claims experience, reliability, and long-term value.

Where I’m unsure:

• Is going with the lowest premium (AAA) the right move here, or is there a meaningful difference in claims handling/service that justifies paying more?
• Between mid-range options like State Farm / Farmers / Geico, is there any real advantage in practice?
• Are my liability limits too low for a new driver, even with a low-value car?

I’m basically trying to strike the right balance between:
→ not overpaying for a $4k car
→ but also not being underinsured in a worst-case scenario

Would really appreciate insights from people who’ve been in a similar situation or have experience with these insurers.

Thanks in advance!

A few weeks ago, I posted here about my wife being involved in a relatively minor rear-end collision with a distracted driver. The original post ended up blocked by Reddit's spam bots for reasons yet unclear. So I decided to write a new post to tell my story.

The accident happened here in SoCal on 2/19 during in the rain. The driver that hit my wife was insured, stayed at the scene and exchanged paperwork (not a given in LA!).

I was able to get the claim started through my carrier and got the car into the shop that day.
A week later I picked it up looking good as new. By that time the insured's carrier had conceded fault and confirmed coverage, so my deductible and car rental expense were all covered. My wife dealt with the Bodily Injury Adjuster and got that component of the claim settled out.

I knew that our 2023 Mustang Mach-e GT with 22K miles was already taking a big hit in the books just for being a BEV. Add to that the diminished value and we were really looking at a significant loss.

I sent a request to be contacted by the insured's carrier's DV adjuster to put in a claim. They responded almost immediately with an offer of $1349 according to a report they had commissioned. After looking at the report, I could see that it had no real supporting data attached to it. Just a basic 17C formula mixed in with a word-salad.

So, I commissioned my own report from a well-rated, certified and licensed DV Appraiser who returned a much more comprehensive report with pages of actual comps (pre and post-accident) as well as an in-depth discussion regarding their valuation methodology.
It came back at $6,665 in lost value.

I presented this to the line DV Adjuster I had been dealing with. He came back with another rather long email (mostly claims double-speak) and offered another $151 to round out their final offer (and suspect the limit of his desk) at $1500.

By this time, I had already educated myself on the legal options. I thanked the DV Adjuster for his time and told him that I was sure his insured would be in touch once they were served.

I filed suit in small claims court against the insured for $7,250, which covered the value stated in my report, the filing/service fees and my time. Internally I calculated anything around $5K a win.

I week or so after the insured was served, I heard from a Paralegal from a local firm retained by the carrier. He wanted to know if I was open to a pre-trial settlement. I told him I would be happy to listen to where they were headed.

He opened at $3,500. I countered with $5,500. Two or three more rounds of back and forth landed us at $4,750.

So, the moral of the story (as is always the case) absolutely get your own report. Go with a good, reputable DV appraisal company. The insurance company will NOT engage meaningfully until they are forced to. And even then, they will need to be stretched upwards.

Don't give up. Keep engaging. Don't be afraid to sue. If you remain realistic about the value of your claim, it will never see the inside of a court room anyway.

I am 19 got my license. I’m trying to get insurance for BMW i4 M sport I’m getting quotes for £8000 £9000. I need help.

Confused and worried.

I'm sure this has already been mentioned, but if you have life insurance through your employer, you may want to get an individual life insurance policy. Just came across a situation where a long time employee was laid off and lost company life insurance (not convertable). Unfortunately, there is a pre-existing condition that would prohibit getting a policy at a reasonable cost or more likely just being outright rejected. They are not even close to being self-insured. And this person's health is declining. I didn't follow this advice and I feel lucky that I was self-insured before leaving the company. I think it would have been convertible but wouldn't have been the best deal.

I was parked and left my car in a parking lot, came back after few hours and saw a huge dent and scratch. The attendant there told me he thinks it was a black car because he heard them talking something about hitting my car but did not see them. Right then 2 women told us they saw the whole thing happen and it was actually that same black car. Their car does have a scratch at that same height as my car, but My car is also black, so i can’t tell if it’s from hitting my car. Cops came and filled a report but there’s no cameras and refused to take witness testimony because it a he said she said situation. The perpetrator is denying that they did this. What are my options?

Hi, I had my car totaled this week. It was initially sent into the shop for front end repairs. The at fault party’s insurance sent me a check to cover them. However when they took the bumper etc off they found that my frame was damaged and that insurance decided it was totaled. They’ve sent my loan bank a check for my car’s acv minus the amount they sent me initially. I have not spent that money but I did want to use it as a down payment on a new car since I teach and I’m in a rural area I can’t miss work. I have gap insurance that’ll pay the remaining amount on the loan minus the amount I’m thinking of using. My question is will I be able to use it and just pay it back before my gap claim is done? I had a car totaled before and the process for the gap insurance to finish the payment took two months. I know I’ll have made that amount back by then as I’m salary paid and I already know my bill amounts. Just trying to see if anyone has done this before or been in similar situations? I’ve seen that alot of people take the money and don’t fix the car but I loved my car and I hate that’s it totaled as I was trying to actually get her back on the road.

Recently I’ve discovered that I want to be an insurance fraud investigator and/or an insurance recovery specialist. I’ve always been stuck on what I want to be or what I want to do in college but recently I randomly caught interest in insurance and then absolutely loved it. But I’m unsure what I’m supposed to do leading up to the days I get to pursue this and I’ve also seen people say there isn’t a way in school or college to get taught on how to be in any of these fields can someone help

Recently I’ve discovered that I want to be an insurance fraud investigator and/or an insurance recovery specialist. I’ve always been stuck on what I want to be or what I want to do in college but recently I randomly caught interest in insurance and then absolutely loved it. But I’m unsure what I’m supposed to do leading up to the days I get to pursue this and I’ve also seen people say there isn’t a way in school or college to get taught on how to be in any of these fields can someone help

Hey everyone, I could really use some advice because this doesn’t feel right.

This happened in Pleasanton, CA in the parking lot by Starbird on Owens Dr. Both me and the other driver have GEICO.

I was making a left turn into a lane in the parking lot, but I wasn’t just starting the turn — I was already in the lane and moving forward. I had already established myself there.

While I’m in the lane, this white Honda comes through the lot pretty fast and instead of waiting, she tries to go around me on the right. The thing is, there isn’t an actual lane there — it’s a row of parallel parking spots.

She swerved into one of those parallel parking spaces to try to get around me, but there’s a curb/island further ahead that blocks that path. Because of that, she had to swerve back into the lane in front of me — and that’s exactly when our cars collided.

The damage on my car is to the front-right area, and her driver-side doors (front and rear) took the impact.

Even if I had stopped, it wouldn’t have made sense because there was no legitimate space for her to pass. She basically tried to create her own lane using a parking spot and then cut back in when she ran out of room.

I have multiple witnesses (4 people) and they all said the same thing:

- I was already established in the lane

- She went around me through a parallel parking space

- She swerved back in and caused the collision

After the impact, she didn’t stop. She kept going and I had to follow her just to get her to pull over. When she finally did, she was yelling about needing to pick up her grandchildren and admitted she was in a rush. She also apologized.

The other car ended up being totaled.

What’s frustrating is GEICO didn’t even seem to wait or actually reach out to my witnesses before deciding I was at fault. It feels like they just went with “you were turning, she was going straight” and didn’t consider how the accident actually happened.

So now I’m being held 100% at fault.

I’m trying to figure out:

- Is this normal?

- Can I push for partial fault in a situation like this?

- Does it matter that we both have GEICO?

- What can I actually do to challenge this decision?

I’m planning on filing a complaint with the California Department of Insurance and submitting a police report with witness info, but I don’t know if that will even change anything.

Just feels like I’m getting blamed based on a technicality instead of what actually happened.

Any advice would really help.

My car died and I sold it for scrap. I called my insurance agent (AllState) about canceling the insurance for the cat but still getting some coverage like non owners to not lapse. Se said just cancel the car insurance and that if I don't have a car to insure then not having insurance is not considered a lapse. That's the opposite of what is stated here and in many other Reddit threads. So... Which it is?

(Would’ve cross posted but my original post on the uberdrivers subreddit had a photo which isn’t allowed here for some reason.)

I took a photo and have dashcam evidence of the incident. I was somehow rear ended on the highway while maintaining my lane and the speed limit. Me and my passenger hopped in an ambulance and gave the officer our accounts of the accident. Idiot Toyota Camry hit me then swerved into a pickup. 4 cars in total took damage.

Got checked out at the hospital for neck and back pains. Given meds and a patch for my back. Next day and the day after I get a call from uber, State Farm and a company called intact that works with State Farm I guess? Gave them my info and an account of what happened.

Still awaiting the full police report and a call from the adjuster that won’t arrive until early next week. Unable to work. Got bills. I had option injury protection but it only pay $500 per week at max. Not sure if the guy who hit me even has insurance. What can I expect now

How much do insurance companies save on a total settlement amount by convincing you to take a structured settlement? Let’s say the liability is $1MM. Do they sell that to the annuity company for 900k?

Unfortunately just got switched to United Healthcare insurance through my employer and they use Optum Rx for prescriptions. Pricing for 3 months of the Dexcom G7 is about $1,400 and the Omnipod 5 is $1,800 for 30 days….how is this possible? I have a $3,000 deductible for pharmacy, but that is still an insane cost. I was previously paying $25/mo for each! I just don’t know where to begin, who to talk to, etc. Has anybody else been through this that can provide any insight?

TIA

- a very discouraged T1D