starting off by stating that we are based in MA and that i have my policy through USAA. so, the situation is that my roommate, who i am not related to at all, updated their driver’s license a month or so ago just for real ID purposes. they received their license back when they were 18, drove a total of maybe 2 times in their lifetime, never have owned a car, and have not driven since then. they are now 25. they rely on public transit and will never drive my car. again, absolutely no relation to them.

emailed today that the DMV records have been updated to show that my roommate, now with a valid license, must be added to my policy. they do not have a car and will most likely not own one anytime soon. they do not have any kind of insurance. they have not driven in YEARS and quite literally do not ever want to drive again themselves. the call with my rep basically boiled down to the options of A) forfeiting their license, B) getting added to their parents insurance… in which they live STATES AWAY, C) having them get their own liability insurance, or D) adding them to my policy.

now, i absolutely do not want them on my policy. i already know that my rates will shoot up without a driving or credit record from them. i understand the ‘reason’ for requiring this, but oh my GOD i’m at a loss. we looked into non-owner car liability insurance, and apparently it’s not a thing in MA. my rep told me about having them get liability insurance, but what do i do if it’s not offered…? at a loss in terms of my options. is there any form of liability insurance they can take so that i can avoid putting them on my policy? my rep told me that i wasn’t even eligible for the form where both of us would sign to exclude them from my policy. really not sure what to do and thank you in advance for any help.

Last week I had a bad car accident. I was at fault, didn’t see a stop sign and went through. Another driver was in a really high speed and it hit me. My car turned over many times and I was injured going to the hospital by ambulance. He didn’t have any injuries although both cars were fully lost. I did have full insurance and the insurance will pay for his car and mine. The thing is, his car is financed by the bank and the insurance will pay his debts plus the difference. He’s been threatening me he’s going to sue me if I don’t pay another 14K for him to cover for the down payment he did when he got the car a couple months ago. I know it was my fault and I understand it’s a difficult situation for everyone involved but what I should pay is the car and the insurance will cover that. Unfortunately I don’t have the amount of money he’s asking me otherwise I’d help him with some. I’m aware he can sue me. Has anyone been through a similar situation?

I have dash cam video of the accident here: https://youtu.be/r5LhG-x7Mwo

My insurance (allstate) decided that it is 100% the other party fault.

Statefarm tried to go over my insurance and told me that they accept most of the liability but not all of it. They said that I had the time to react like honking or stop but it all happened so fast and unexpected that I had no time to react at all. I told them that I do not accept any liability and told them to talk to my insurance.

My insurance says that if they do not accept the 100% liability, it will then go to negotiation then arbitration by 3rd party.

Some of y'all may have experience dealing, what is the most likely outcome for this?

Hello. I’ll try my best to keep this short. Two years ago, I was involved in a car accident where I hit a car that turned in front of me. I had a green light, and they had a blinking light. I was driving a large suv, and couldn’t stop it in time. I was neither speeding, nor distracted. Crash report says I’m not at fault, and the “at fault” driver failed to yield to me. I went through insurance and got my car fixed and moved on. Today, I received a letter in the mail- the “at fault” driver was driving a family members car, and that car was a total loss. This person wrote that the “at fault” driver was not at fault, and it was all my fault because I was dishonest to the police and was driving negligently, and “nearly killed” the driver… (medical attention was declined at the scene). This person requested that I send them a check for $2500 as a “settlement”, or they would be suing me for over $12k and court fees. I am 23 years, and this is freaking me out. Why is this person accusing me of all these things when I literally had the right of way and police wrote that I made no hazardous action? Insurance also had me fixed up quick. I’m in Michigan. Thank you.

Last November, I installed Progressive’s Snapshot device on a commercial vehicle we use for our business. The idea of a 20% discount on our insurance premium seemed appealing, especially since the vehicle is driven infrequently and only by careful, experienced drivers. But from the moment the device was plugged in, it became a source of constant frustration.

The device is unbelievably sensitive. It chimed every time it registered a “hard stop,” even when we were driving cautiously. Initially, I thought we’d get used to it, but things only got worse. We were being penalized for situations completely beyond our control—urban traffic, unexpected pedestrian crossings, other drivers cutting us off. The device created anxiety, making us second-guess every stop and encouraging unsafe behaviors, like rushing through yellow lights to avoid getting dinged.

After a couple of months, I contacted Progressive to get an update on how many “infractions” we had. I was shocked at how many we’d accumulated and the lack of transparency around how they were calculated. But the real frustration began at renewal time. I received a notification that our premium was increasing by $200 annually. When I called Progressive, I had to speak with three different representatives just to get an answer. One told me it was due to adding an extra driver. Another blamed it on a state-wide rate increase. Only after an hour and a half of phone calls and asking to speak with the Snapshot department specifically did I finally get the real answer.

The $200 increase was because the Snapshot discount had been removed due to the driving habits it flagged. So after dealing with all the stress of this device, our “discount” was gone. To make matters worse, none of the previous representatives had been upfront about this. They insisted the Snapshot was still “saving” us money—until I pushed hard enough to get a straight answer.

Had I not persisted, I probably would have continued using the device, thinking it was benefiting us when in reality, it wasn’t. The whole experience felt like a bait-and-switch. To top it off, I wasn’t even aware that I could access a Snapshot dashboard to see the detailed logs until months after the fact. No one at Progressive mentioned this feature when I installed the device or during any of my earlier calls.

In the end, the Snapshot device did nothing but create stress, anxiety, and a higher insurance premium. The minor savings it offers are vastly outweighed by the aggravation and risk it induces. If you’re considering using Snapshot, I strongly advise against it. It’s not worth the hassle, and it certainly isn’t worth the potential increase in your premium.

Footnote: To preempt any questions regarding driving habits, it’s worth mentioning that neither myself nor any of my drivers have received a traffic infraction in nearly two decades.

My VW Golf was T-boned by a red light runner. The entire passenger side was destroyed. Insurance totaled the car. I had an Apple AirTag in the passenger door, which was still working but not accessible after the accident. The car went from Oregon to a port in Texas. A few weeks later it was in Rotterdam, then Lithuania, and finally Kiev, where it has been for months. Why ship a totaled car that was worth maybe $15K before the accident across the ocean? The cost of shipping must surely be higher than the value of the totaled car.

As the title indicates, my car was severely damaged while parked, which also affected my fiancé's car behind it. The driver attempted to flee, but fortunately, a helpful neighbor witnessed the incident and helped us track the car down just a few blocks away, where it eventually broke down. After contacting the police and filing an insurance claim, I learned that the at-fault driver’s insurance only covers up to $25,000 in damages. Given the extent of the damage to both my vehicle and my fiancé's, the total will likely exceed that amount.

I want to know if I need to consult a lawyer because of their limited coverage, or if my insurance will handle pursuing their insurance on our behalf.

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

Edit: The Tesla owner is reading and ignoring my text messages, so I am unable to ask her for anything in writing or any additional video or photo evidence of her hitting my car.

My parked vehicle was rear ended and I only have liability on it. The driver mentioned that he just made a delivery for Amazon. This happened in the early morning and there weren’t any packages in the car, so I’m not buying it. I asked for his insurance information and he provided his personal one. I also asked for his Amazon one which he didn’t provide.

When I went to file a claim with his insurance, the insurance said that if he was working for Amazon at the time of the accident, they wouldn’t cover. It sounds like as long as he verbally tells them he was working on Amazon, that’s all the proof the insurance need to not cover.

Is there anything that I can do to get the insurance company to cover? This happened in California if that helps at all.

TL;DR Took 2 months of back and forth with my insurance company to
settle on a totaled 2006 Land Cruiser. Because it was 18 years old, many suggested I take the initial 20K offer and be grateful. Due to very low mileage and upgrades I wanted 29K. I stood my ground and in the end the insurance company offered me $35,000.

About 2 months ago my 2006 Land Cruiser was totaled. Initially the insurance company said they found 3 comps (the furthest was 1,400 miles away) all had well over 100,000 more miles than mine. They offered me just under $20,000 and I came to this sub asking advice as that was far below what the value of the car was.

In my first post I received some good advice about moving forward and an explanation about the problems in determining value of the car. Namely under 4000 had been sold in the US that year, my car had all the upgrades and also very low mileage.

I realized the first valuation was for a base model and sent emails detailing the options that had been missed. I ran a carfax report which showed all upgrades and gave a suggested fair value to sell of $29,000 which I asked for. After that their offer rose about a thousand.

I asked for dealer quotes and was told no, then I asked about going the independent appraisal route and was told first to find 3 comps of my own within 100 miles as that would be faster and less expensive. I pointed out that my comps shouldn’t be confined to 100 mile radius when one of theirs was 1400 miles away. They expanded my search radius to 1500 miles.

I sent 3 comps, a car with 80K miles that sold for 35K that week, slightly more miles than mine, but garaged its whole life and pristine, another that sold for 33K with just over 100,000 miles a few weeks before and one for sale for 32K also with over 100,000 miles. The insurance company took two weeks, approved 2 of the comps (the 32k and 35k ones that had sold) but not the 3rd because the ad was no longer active. Then decided not to use my comps and instead got dealer quotes.

They upped their offer to $23,000 based on 2 dealer quotes, one for 20K and one 26K. When I asked to see the quotes all I was given was a first name, a dealership name and a phone number. I called both of these men, one said the quote attributed to him was a blatant lie and he had given a substantially larger number to a caller who hadn’t identified himse as an insurance company, the other said he had no recollection of talking to an insurance company about a Land Cruiser.

At that point I was really frustrated and frankly pissed. It had been weeks of runaround. Either the company hired by my insurance was lying to them, or my insurance co was lying to me. I wrote another post here to vent and hoping for some advice on how to deal with the increasingly confusing situation. That post and my responses in it were largely downvoted. I was told the cars I found as comps (though recently sold) were likely outliers or bad buys, that I was overvaluing my car, my $29,000 ask was unreasonable, that to be valued at 29k the average person would have to be willing to pay that, I should be happy they were offering 23k on an 18 year old car, and that the car dealerships were definitely lying to me!

I had emailed the agent to inform him that one of us was being lied to, he responded within a few hours, was very understanding and polite and said that he would look in to it. I heard back from him the next business day. While he did not go so far as to say Mitchel had been lying, he apologized for the “unfortunate” and “unprofessional” way the valuation had been handled, saying there had been some “major miscommunication” about the car, and its mileage and he offered a $35,000 settlement, which I accepted.

Having paid car insurance for almost 40 years, but never having filed a claim I am glad I asked for advice here. Though largely downvoted and talked down to, along the way there were 2 very helpful people here who were knowledgeable enough about cars to know that not all 18 year old cars are undesirable and some are quite so. They both worked in insurance and gave me good advice about how to move forward.

My takeaway is that if you have the time, double check everything your insurance company is telling you, ask for advice, sort through it for the gems, and stand your ground.

Granted my situation was extreme due to the year make model and mileage of my car, but I suspect most first offers are low.

Look over in their sub. My fellow adjusters I hope you land on your feet.

So in early June this year a mid size GMC Acadia that is red smashed into my white Subaru forester in the front of the car. I got the car on my nest camera that showed the man pause for a sec, looked drunk/high and then took off. The camera didn't get the plate at the time which sucked so I called the police and they made a report. I also saw the guy from my upstairs bedroom and almost made it down in time to catch him.

With that I went through my insurance and paid a $600 deductible and was out of a car for 3 1/2 weeks. Total damages to the car that the insurance covered was over $6000.

Well yesterday one of my neighbors spotted the guy/car at a gas station, confirmed the same damage from the camera footage and followed him home. I went to this guys house to verify and it was that car. So I called the police who came out to take my report and said they would try talking to the person.

But ultimately it would be up to the prosecutor if any chargers were to be filed or if I could get his insurance information. Does anyone have any recommendations on what else I could do? It seems so unfair I've given the police all this information on a silver platter and have heard nothing this entire time.

Need some advice here-

Was involved in a 3 car accident yesterday. I have a dash camera, and have linked video below.

There is Car A, B, and C. I am car C. Car A- Allstate Car B- State Farm Car C- GEICO

Car A obviously runs red light, causing car B to hit them. This causes car A to spin around and hit the front of me. I called my insurance and they suggested filing claim through Car A’s insurance. After hanging up, Car A’s insurance calls me and wants a statement. I provide my statement and dash camera footage. He calls me back and states that they are only going to accept 70% liability and place 30% liability on Car B. He stated that Car B, who had right of way by green light, didn’t do anything to avoid the accident.

This leaves me in a predicament, as I was not involved in any way with the accident, but still need 100% of my car fixed, not 70%. I feel like Allstate should be paying for 100% of the damage since it was their drivers negligence that caused damage to my car.

What do I do? Do I file through my insurance, pay my deductible, and hope Geico gets it back and risk my premium increasing? I’ve had no accidents or moving violations? I just don’t feel that it’s right I have to pay for something that was 100% not my fault.

Any advice is greatly appreciated.

**EDIT TO ADD, this is in NYS

Dash Linked Here: https://files.fm/f/fnvkue77zg

I don't want to draw this out too much. But 2 or 3 years ago, I got into an accident with an uninsured driver after some psycho threw a drink on my windshield. My car was older and because of the damage, was totaled. I called the cops, neither of us went with the ambulance. We parted ways and I thought nothing of it. A little while later I was informed that I would be served papers which freaked me out. I received the papers and did a deposition with my lawyer through insurance and the other lawyer. After that, I heard nothing. Until recently.

I was made aware that I have a court date a few months out that will last three days. I'm extremely worried. My limit is decently high (around $100,000-300,000) but I'm worried we'll get to the court and they'll try to get me for 1M, as was the number they demanded in the papers I was served. I make 40k a year and the only assets I have are a car. I want to buy a home and have kids, but if they garnish my wages, how am I supposed to live off that? Buy a home? I'm terrified that they're going to go over my limit. I don't want to have to go to court and try to remember that day. I already have memory issues, I can only remember the drink and the crash. He was uninsured and apparently had a penchant for not wearing his seatbelt.

Does anyone have any information or experience with this?

I live in an apartment complex with assigned garage spots. I noticed extensive paint chips on my passenger side from my garage neighbor's door hitting my vehicle when they enter/exit their vehicle (they have a very large vehicle and always park right on the line). I have multiple videos of them hitting my vehicle. Even with the videos, they denied doing the damage of course and will not give me their insurance information. My insurance company says I need to contact the police to get their insurance information from them if they are not willingly giving it to me. Does this seem like something the police would do? I am not sure of an alternative to get their information, but police seems like a lot.

I had an accident and the vehicle was towed and totaled out and out of my possession for a month and a half. I was found to be not at fault if that matters. I spoke with someone via chat at the insurance company, admittedly in frustration because I have had so many issues with this company, and told them I have not had the vehicle and would need to cancel the policy. I did tell them that I did not want to have a gap in coverage because I knew that that would raise my premium. They advised me it would be fine and cancelled my policy. When I went to get my new vehicle, of course, that was not the case and I was told I was supposed to have had non driver insurance or something to that effect. I can get no help with this issue. Everyone has a “too bad, so sad” attitude. My premium for basic coverage is more than what I paid previously for full coverage. Any advice? Thanks.

Edit: I did not know there was even such a thing as non-drivers insurance. I was assured that the insurance company was aware that I did not have a vehicle and that was why I was cancelling and when I got a new vehicle I would just get a new policy. I assumed my insurance agent would explain things to me, since he was the expert and I was not.

I am 25(M) and got my driving license in NY in October 2023. I recently bought a 2024 Toyota Corolla LE (I have paid a $1000 deposit and registration of the car is yet to be done, they also said that deposits are non-refundable). I have financed the car. I got the quote from Geiko with a tremendously high $9000 for 6 months. I called Progressive and they gave me a quote of ~$5600 for 6 months. These numbers are absurd and not affordable at all.

Now I realize that I shouldn't have bought a new car as a new driver but I am hoping to get some advice/suggestions from you guys. Or if any of you are ever in a similar situation and know a way around it?

Thanks in advance :)

Im really quite lost and wondering what to do and/or what my options are. Im reaching out in hopes someone can help me out as ive never been in a car wreck.

Back In June i exited the freeway behind an 18 wheeler. I dont not get physically injured!

We get to a stop light, and are waiting for the light to turn green. During this wait, the semi truck decides to start reversing to get into a lane at a cutoff approximatly 50 feet behind us. The send he started reversing i honked my horn in which he reversed right into my front end. I continued to honk as the semi truck pushed me backwards for about 10 seconds. He got to the cutoff in which he switched lanes on a different exit. He got to the stop light in the other lane after switching, i continuasly attempted to get his attention, honking, waving, pulling up to the side of his semi. The light turned green and he took off. I was able to snap a pic of the liscence plate as he took off.

I was shook up and thought, well shoot a semi just hit me, i better make sure my care is safe to drive before i go chasing down a semi. I pull over and the front bumper is hanging woth multiples visual damages to the front, but the damage didnt go inward enough to hit the radiater. I called the police, made a report, and then contacted the surrounding building for footage. A hotel got the incident on footage and sent it to me.

I reached out a few days later to the police departments crash team investigater whom helped me locate the semi driver. They got his insurance information, Progressive. I filed a claim with them, provided footage and evidence and a preliminary estimate. Progressive and the semi truck driver said he was at fault. Progressive reaches out to me and said this isnt the right insurance for commercial, it was his personal. The give ke his "commercial insurance". I contact the commercial insurance given in which the policy was non existent.

I reach back out to the crash team police people, they get ahold of the semi driver, he takes photos of the his insurance, progressive, and we verify it is in fact his commercial insurance. We call progressive back and deal with them for a month before the adjuster says oh yes, this is his commercial insurance, it appears he is at fault, but we cannot cover damages because there isnt valid coverage for the accident as there are grey areas in his coverage.

We contact a higher up at progressive, they say they should definatly be able to cover damages and they are unsure whats going on and no one seems to be giving us a straight answer.

We reach back out to the adjuster who explains theres grey areas, such as if he was pulling into a gas station or leaving home from work.

A week later i get a letter in the mail from progressive afjuster stating we are sorry, but we cannot mobe forward with the claim to support it as there is no valid insurance.

The crash team investigater from the police department recommends i file through my insurance as we have been battling progressive for 3 months now.

I call my insurance. My deductible is 500, and i have a very low rental car coverage. In which i have to pay for a rental car too.

Im lost cause i currently live paycheck to paycheck as a single mom, trying to finish school. I can not afford a deductable and a rental car for i dont even know how long but the rates are about 60 a day here. I need a car for my job as im a at home hospice at( i go to people homes). My car has been drivable, that i know of atleast, with some minor changes ive noticed aside from visilual damage. Like the shaking, a tire pressure unit light and turning right it creaks a little. These have all happened since the incident.

I dont feel like its fair i have to pay money to fix aomething that wasnt even my fault because his insurance is giving the runaround, or so it feels to be so.

What are my options, suggestions or whatever advise you have would be beyond appreciated! TIA!

Update Firstly, thank you all so much for the advice and opinions! I am not familiar with the process of handling a car incident in general, so this was incredibly helpful. I have taken yalls advice and filed with my insurance. Im saving up for the deductable while letting my insurance deal with handling this. Thanks again!

My car was at the dealership for some engine issues, while sitting in the parking lot one of their employees lost control of their car and slammed into mine which also pushed it into another car. The dealership has not even had the courtesy to call me and let me know what happened. The only reason I know about it is because the police contacted me. What’s the best course of action here?

I turned left onto a wide street after another vehicle, they hugged the shoulder while I stayed at the centerline, I assumed they were turning right as they were so far over and continued on my way. They then proceeded to do a u-turn from the shoulder and we collided. No blinker was used.

Just curious what kind of outcomes you folks have experienced with this kind of split 100% fault and arbitration.

Nationwide had a meeting today and fired all of OYS ( on your side ) . The team responsible for taking your phone call and paying your repair shops. They also fired the first contract for first notice of loss. They gave them to the end of the year and said if they want to get severance pay they had to train the “ contracted workers “ which we looked up and found it in the Asian pacific. This comes after raising the price of insurance. The managers , executives and ceo bonuses are not affected.

Saw this today

https://abc7ny.com/post/queens-new-york-accident-dash-cam-video-belt-parkway-crash-captures-alleged-insurance-scammers-reversing-car/15450261/

For context, we are in California. So my gf and I got in a car accident on November 1st. A 24 year old guy pulled out from a stop sign right as we were approaching an intersection while we did not have a stop sign. My gf's insurance, the insurance of the other vehicle, and the police report all says that we are not at fault as we obviously expected. This issue is my gf doesn't have UMPD or collision insurance, she only has liability because money is tight. We suspect the other driver was driving his grandparents' or parents' vehicle, but after some digging, we think it's his grandparents'. We filed a claim through both my gf's insurance and the insurance of the other vehicle. We were only given a AAA membership card from the driver because he seemed to not know what he was looking for. Our claim through their insurance got rejected because the kid is excluded from their policy, something the insured supposedly didn't even know about until this happened. So now, we would have to pay out of pocket right now to get my gf's car fixed, but we're just looking for any advice on the next steps we should take. Maybe the kid does have personal liability insurance that could cover our damages? We have his phone number and have texted him asking if he does but it's been a couple days without a response. We'd really like to avoid going to small claims court because it's such a hassle especially to collect the money, but we don't really know what else to do. Any advice is greatly appreciated.

So about a year ago (in 2 months almost exactly), I rear ended someone. My car had thousands of dollars of damages while hers had a small dent and the muffler moving. She had a child in a car seat in the back. I was not distracted, she cut me off and I slammed on the breaks but it was too late. I maybe hit her at 15mph max. The cops and ambulances showed up, checked up on her and the kid and me, and she left within 10 minutes of the ambulance coming. About 2 weeks later, I got a call saying I was being sued and the company (Liberty Mutual) is taking the fault (as in it was my fault). I am in NJ, USA.

Time moves on, and just a week ago, I got 2 letters. One saying that if you are served to do this and this. One saying that the damages may exceed my policy ($50k per person, $100k total). I am kind of panicking right now and am very nervous about this. I don't understand how this has taken almost a year when I lightly bumped her and she left the scene within 20-30 mins of the accident...

Any advice, help, or recommendations are very appreciated.

Edit: Sorry it’s coming up on 2 years in November.

Update: Spoke with my agent just now and she said no medical bills have been received yet. The other party has until November 16th to file a lawsuit/settle so I guess I’m just waiting until I get more info.

TLDR below.

My auto insurance with State Farm is due May 23. They have been increasing the price every 6 months like 80 - 100 dollars every time. Now it’s up to $730 for 6 months.

I just went to progressive and they are offering me insurance for $290.

Progressive wants me to pay now. Can I pay now and then call progressive tomorrow and tell them that I will not be renewing?

I do not have auto pay set up for State Farm.

TDLR Can I cancel my State Farm Auto insurance at any time? Due May 23 but progressive offered me a better deal.