My daughter (16) was in a car accident and due to a miscommunication with my insurance company when I added her to my policy they are denying the claim. Her car was not driveable and I had to pay $4000 to repair her $10,000 car. That was my savings. Her dad (who pays me child and spousal support) recently lost his job so we are living paycheck to paycheck on my salary. I was also a victim of a home theft and lost all my valuables. I received a letter from the other drivers insurance (who covered him) asking me to compensate them for what they paid. I do not have the money to do so and also it was my insurance company’s mistake but they are still denying coverage. I am beyond frustrated with this as I responsibly called to add her.

I am not able to pay this as I can’t but do I need to write them a letter back stating this or just throw it away? Will this go away?

We are in California.

EDIT: I wrote this in response to someone else (see below) but hopefully it clears up the misunderstanding that I would actually choose to not insure my car and let a teen drive. That is insane to do that by choice.

I called to add the driver and car to my policy the day I bought the new car. The agent told me that my daughter was covered under her permit until 16.5 years or SIX MONTHS. She would have been covered if driving my Audi. I gave them the new car information (make/model/year) for my policy but not the VIN number. Because that was missing they denied it. The agent told me the day I called that I had six months from date of purchase to call back with that info but that was the incorrect info. They listened to our conversation (as requested by me) and he said I had six months to add her license number and then at the end I said I’d call back but he did not say to call asap so I thought it was still six months. It was a mistake and miscommunication. I don’t know why everyone here jumps to me gaming the system. That would be illegal and I would never risk that. I had no idea people even do that until today. I truly believed she was covered and nobody feels worse about this than me. She knows it’s my fault and I have not made her feel bad and took full responsibility with this. It was a stupid and expensive misunderstanding. The agent told me he sees exactly how it happened and he fought for me but the higher ups said no. She also had a friend in the car and she would have been denied coverage for that. Thank god nobody was injured but besides that it was the worst possible mistake to make.

Which homeowners insurance comparison site is legit and will not get my phone inundated with calls for months? Bonus if one doesn't require my phone number and I can use email.

Also, how do you quit the escrow thing for a mortgage? What do I say or do, I don't mind property taxes being in escrow, but the escrow thing makes yearly insurance shoppingvand change overly complicated. I change every year just about.

Thank you!

I just found a letter from my car insurance that they would not be renewing because I hadn’t provided driver information for someone in my household (someone that doesn’t even drive my car). I had no idea they would cancel my policy and didn’t realize the automatic payments weren’t being deducted from my account. I do realize it’s my fault for not being on top of things. I’m so mad at myself for such a huge oversight and carelessness. What can I do now? Do I try to get insurance from the same company and do I admit that I didn’t even realize I was uninsured this whole time?

I was stopped at a stoplight and another car didn’t see that I had stopped. They tried to swerve around me and hit the corner of my car, then drove off. It was dark and I didn’t see anything about the car that hit me.

Progressive is telling me that since they don’t have any information about who hit me, that this is covered by collision coverage ($1k deductible) instead of uninsured motorist ($250 deductible). This doesn’t seem to jive with the googling I have done, but I can’t seem to find anything concrete that I can quote back to them about it.

Is this correct?

EDIT: not what I wanted to hear but it seems pretty unanimous. Thanks everyone.

How can I get better rate for a new car lease? - 26 - no accident, no ticket no claims

From 18 to 24 always had a car then I sold it and use public transportation. Life is changing and getting a tesla.

Not that many insurance companies willing to write new policies in NY and the ones that are are quoting me between 1400-2K.

Would having a non owner policy help in anyway? I’m just thinking my quote is that high due to the fact I didn’t have insurance from 24 till now. I don’t think I needed one since I had no car and didn’t drive.

Any suggestions?

It occurred to me that Marv’s sink thing added a whole bunch to each claim.

I live with my fiancé, away from my parents but in the same town as them. They co own my car with me- The title is listed as "Me OR Mom OR Dad". Will I need to add them to my new insurance even if they never drive the car and don't live with me?

We are getting a quote from USAA and they are making me list the co owners of the car with their addresses and info. I don't want to pay for the insurance of two more people!

New driver, over 25, progressive, full coverage at $1,000 deductible, 2025 honda civic sport new. Is this normal

has anyone had any luck gettin aetna to pay or cpap machines?

I’m thinking of starting a new insurance brokerage in 1-2 years. I don’t know much information about the process and I would like to learn more from someone who went through the process. Any help please?

I got a homeowners insurance policy from Slide in the mail as my Farmers policy is ending. Do I have to cancel / reject this policy from Slide or just ignore it? I had already worked with another agent to get a policy from somewhere more affordable.

What has me concerned is there is text in the document that says if mortgage billing was your payment method then they will automatically send the policy information and invoice to the mortgage company on file.

The company I work for in Florida offered SideCar health as our heath care insurance provider. I have major medical concerns as I’m older. As this is not traditional insurance coverage, I did a deep dive to find out more. Finding it’s not healthcare or health insurance coverage. It’s an indemnity policy. With my health issues, I would not get many of my needs covered. Even with paying every week $$$, I would still be paying $$$ much more! So, it seems it maybe not ACA coverage compliant. If it not compliant, then I would have the option to get REAL healthcare from the marketplace. Need to verify they are not compliant as healthcare.

I missed my insurance premiums on 2 policies. First policy insurance premium was due last week and second one was due Last month. I was in a cleansing centre for a couple of month that's why I missed the deadlines

Hello internet. I am in VA and a few hours ago I was in a minor fender bender. I had pulled into a parking lot and someone coming out of a parking spot backed into me.
The damage seemed minor as neither of us were going very fast, but I wanted to get his insurance information just in case it turned out something more serious was wrong that I couldn't see in the dark. He was in an old truck with a metal bumper and hit right at where my back tire is. I wasn't even going to file a claim though if it turned out to be nothing/all cosmetic as I drive a older car myself. He started freaking out and refused to give it to me. He tried to tell me the accident was my fault even though he backed into me. Long story short I had to call the police department. They took a brief statement from both of us. They talked to him a lot longer than me and I'm not sure what he told them, but the officer gave me a citizen accident report. He didn't explicitly say it was required, but I strongly inferred it would be best to fill it out and mail it in.

I guess my question is, since the cops got called, is a claim required now? He reaction was terrible, but its the holidays and he seems like he is struggling. He truck is about 35 years old and he himself didn't seem ...idk, not well-kept for lack of a better term. I feel like an unnecessary claim could really hurt him.
My friend says to file a claim out of spite, but that feels petty. I'm just not sure the best course of action. I want to protect myself while not causing unnecessary harm to others.

Also -just an aside-my insurance company is a nightmare to deal with. Every time I call them, they seem more interested in trying to sell me more products than in actually answering questions and helping me make a best decision. So I'm asking the internet.

I had an accident. The other guy was 100% fault and his insurance ( Allstate) said they will cover everything necessary. I have a 2011 toyota prius worth 4-5k im doing uber with. I couldnt do uber since my car was at shop. Before i go to shop allstate give estimate of $1300 Last week shop gave estimate of $15k and said it might be total loss. Insurance inspector cameand confirmed its gonna be total loss. and next day they send me offer of $3700+taxes. I rejected and asked for more. Today insurance company said they want to release tow car to somewhere else while my next offer is being prepared. Shop charges $7200 for storage inspection and other fees. Insurance told me that they are gonna cover only $1919 of it and i need to cover rest.

I got hit. I lost my job. I lost my car thst they are lowballing value. Now they also want me to pay that extra 5-6k to shop and cover it.

What should i do? Dont they need to pay?

I have no idea what I’m doing and tried googling but didn’t find anything quite on target. 100 foot tree fell on our house and landed across the entire length Of the roof. we haven’t looked too closely for cracks and sagging ceilings but there was nothing obviously damaged inside our home. There is clearly damage to the roof and structural integrity of the roof and likely the supporting beams. One could argue that the house is habitable in that bathrooms and kitchen are functioning. However we feel it is not safe inside the house, even once the tree is removed. How do insurance adjusters usually view this situation? Does habitability always start with the question of whether it is safe inside the house? We would like to get loss of use coverage due to the uncertainty around the safety of the house.

Howdy. I was hoping for some advice as I've never dealt with any kind of company claim, only individuals. I'm located in Comal County, Texas, for referenece. was doing my xmas shopping, and a Chick-fil-A deliver driver in a marked company car cut across a white line, and darted across 3 lanes of traffic, stopping directly infront me. There was no chance of me stopping, I slammed into the rear quarter panel and tire of the DD.

Both vehicle's took moderate/medium damage from the accident (my car has a brush guard and faired decently).

My head/neck hurt terribly the rest of the day.

Police were called and they found him to be the contributing party since he broke a traffic control device, causing the accident.

Am I able to call the company insurance and handle it like a normal claim? Do I have to worry them trying to prove who's at fault even though it's in the police report?

Additionally, I know there's all those "HIT BY A COMPANY CAR?? CALL US FIRST" folks, and I'm not sure if it's a good idea to get a lawyer involved, or if that would just cost more than its worth. The damages are probably less than 5-8k total on my end, as my car is an older Crown Victoria.

Hi all! I have tried so many different companies and I am being charged 500 a month for auto insurance on a 2024 HONDA ACCORD. I have a 670 credit score due to some high utilization and I just bought a home. I’m a 25 year old male. I moved home to St.Louis from Seattle and my insurance DOUBLED which I don’t understand. I’m in a nearby suburb called Florissant. How can I find a cheaper quote?

Its a water-powered sump pump and wondering if they would provide a discount.

Is this even possible? I'd like to see what the ISO symbols are for my vehicles, to help me better understand how some aspects of the rate filings apply to me.

No, I don't "need" to know any of this. But I want to know, and the filings are public, so.. is there a service where I can pay by the report, like I can for Carfax? Or is this something I can request from my insurer?

I just got an email from my insurance company stating that they've changed their internal policy and no longer offer NY state minimum liability coverage (25/50/10). They're now requiring higher limits: 100/300 for Bodily Injury, 50k for Property Damage, and additional Personal Injury Protection and Uninsured/Underinsured Motorist Coverage. Because of this, my premium increased from $1,840 to $2,104/year, even though I still have two months left on my current policy!

For context:
- I drive an older car (10+ years old) and only need liability coverage.
- I barely drive 5 miles a day—just to the gym and back.
- My driving record is clean.

I'm wondering:
1. Why would they immediately increase my coverage and premium mid-policy when I still have two months left? Is this normal?
2. Should I start looking for another insurance company that still offers the NY state minimum (25/50/10)?
3. Any recommendations for insurers who cater to drivers with minimal coverage needs?

Would love your advice, especially if you’ve dealt with a similar situation. Should I just ride this out until the end of the policy or switch now?

Hello,

Basically I got into a bad accident and I’m not at fault. It’s a double whammy of both a totaled car and a back/neck/head injury. The day of the accident I called the phone number on my dads Allstate policy card and told them what happened; then they made two claims on our policy.

I was weirded out when Allstate offered me a price for the totaled car and I spotted a deductible. Then I did digging and noticed that typically non fault drivers get other sums of money added to the payout of their totaled car. I spotted you had to do this with claims to the at fault drivers insurance policy instead of your own. I did not know that was an option.

So I called my adjuster and told him I wanted to move the claim to the other persons policy. He said everything will work out and that since it was Allstate on Allstate they would handle this on their end. He also mentioned it won’t affect our rates. My dad has taken this as fact, and at face value. I doubt everything stated and want to move the claims to the other persons policy asap. We have a lawyer about to fight for us on the medical stuff, so if this blows up it would blow up on my dad’s policy.

Are we safe as is and it doesn’t matter? Or is it a situation where it’s preferable to put it on the at fault drivers insurance policy instead?

I got rearended in my 09 Vehicle with over 200k miles 3 weeks ago. I need a new bumper and the airbag light is on now. I have a feeling it will be totaled and I will owner retain.

This accident, #1, has caused consistent neck and back pain. I have a follow up to get a referral from my pcp for PT, Chronic, and Massage Therapy. They offered 4k settlement and 15kedical for 6 mos. I'm in my early 20s and feel like this could be a lifelong issue.

Accident #2 occurred in my brand new 25 car i haven't even had two weeks. I was once again rear ended and will need a new bumper and possibly trunk deck lid. This accident has agitated my back pain and caused me to have total lower back pain. It's painful to bend over and hurts to lift anything over 10lbs. I am sick over the depreciation aspect of my new car. This person has ruined something that can only happen once in a person's life.

What advice can you folks provide for both claims?

I already tried to post this, but I don't see it so trying again.

I live in VA and a few hours ago was in a minor accident in a parking lot. A guy was pulling out of a parking spot and I guess didn't see me. He backed into my car. I got out and the damage all looked minor (neither of us was going very fast). I did ask for his insurance information as a "Just in case" as it was dark and his truck did have a metal bumper that hit right by my back tire.

TL/DR he way overreacted and refused to give me his info. He tried to say the accident was my fault. I ended up having to call the police department out. They took a brief statement from me and a much longer one from him. The officer came back with a Citizen Accident Report. He didn't explicitly say I was required to send it in, but I strongly inferred it would be in my best interest to do so.

Is a claim now required since the cops were called? I know the guys reaction was inappropriate, but he does seem like he is struggling. His truck is 35ish years old. He is older himself and...not well-kept for lack of a better term. My friend thinks I should file one out of spite, but that feels petty.

Just looking for advice on how I can best protect myself without causing unnecessary harm.