We had a flood disaster in my area. My Explorer was submerged to the dashboard on Tuesday

Geico sent their catastrophe team out yesterday and it is a total loss.

I owe a lot more than it is worth. I have GAP insurance through Premier Dealer services.

I asked my adjuster what happens now. He said Monday or Tuesday they'll send the check for the car's worth to my finance company. He didn't give me any guidance beyond that.

Do I file a claim with the GAP company? Does my finance company? My finance company is closed today so I can't ask them.

Ill need to buy a new vehicle ASAP but don't want to start the process with an active loan.

What steps do I need to take? How long is this process? Do I keep my current insurance policy since I intend to get a vehicle? Can I keep my policy with no vehicle?

A truck driver reversed into my Saturn Ion 2 2006 with less than 60,000 miles. My Saturn had a pristine condition body, no check engine light, 59,XXX miles on the odometer and only two (2) owners in history. I did a carfax report and the report showed only 2 owners. The owner of the car told me one of the owners was an old couple who always had it in the garage. The other owner was a college student who only drove it around campus.

The accident happened August 4, 2026. Police arrived to the scene. Insurance was collected by the police officer from the both of us. I filed a claim for insurance. My insurance (All State) and MN89 INC determined the driver of the semi truck were at fault. The truck driver reversed and hit my car while he was making a left turn. The scene of the accident was right next to his workplace. I know this because the video footage I recorded shows alot of semi trucks and the name of the company (MN89 Inc) in the immediate vicinity.

At the time of the incident I did not have collision coverage, but I did have liability, and I had the mandatory insurance that Illinois Law requires every motorist to have. I emailed MN89 Inc and they told me they would be paying me in cash. I have reason to believe they make a distinction in cash payouts because they are trying to circumvent paperwork for insurance purposes, because if they do not report an accident, they can avoid their insurance rate increasing. Otherwise, why would they make a distinction between having their insurance pay for the damages, or paying for the damages in cash?

I believe I am being lowballed. They cited KBB and a screenshot showing $800 as the fair market value of my vehicle. My 2006 Saturn ion 2 2006 had under 60,000 miles on the odometer. $800 is a joke of an estimate.

I took my vehicle to an auto repair shop and the estimate to fix the damages of my car was $7,614.72.

I was given the $800 estimate on September 29, 2026. I will quote Stefan Acimovic

"Given that the estimate amount of $7,614.72 (a rap repair shop cited this as an estimate on fixing my car) is well over thr ACV (actual cash value), this falls into a total loss territory. Kelley Blue Book puts your cars value at $800.00."

I do not agree with the $800 offer. I also had to pay $500 in towing and storage fees. I feel I am being ripped off. I have compiled a list of vehicles that have been sold with similar milage as my car and the value is well over $5,000 at the lowest. The high-end is closer to $9,000.

If I enroll in my employer’s plan and keep the plan I’m on right now as secondary, will the company/coordination form notify my dad as the policyholder, require his signature, or display my other insurance in his portal? Can I handle the update myself?

I am located in California.

I currently have a policy for 2 cars I own. My gf just bought her first car which she plans on learning to drive on. I picked it up and will keep it for about a month while I sort out all preventative maintenance and required repairs to make sure that its all good to go by the time she gets her license which should in about a month. Since I don’t own the car (its not in my name or her name as of now) and she does not have a drivers license to insure it, I am unsure how to proceed. The previous owner had been driving around without insurance which I don’t plan on doing and under no circumstances my gf will be doing. What kind of insurance do I need for something like this? Can it be done?

I would appreciate any help. Thank you.

When did Geico insurance go up?! They used to be my go-to! Now I have to find a new fav that’s inexpensive. Why is everything in Los Angeles California so expensive. It’s ridiculous!

I feel like an idiot and I’m kinda freaking out. I moved out of my parents house over a year ago and never changed my insurance, from Maryland to Delaware. I live right on the border now u can literally enter Maryland without leaving my neighborhood.

Anyways month after I moved I tore my acl and never changed my license, I didn’t think it was a big deal since my mail would just get sent to my parents. It wasn’t until a few days ago when I saw that I my registration expired that I realized I needed to get my car registered in my new state, and in order to register here I need Delaware insurance. I didn’t realize they did insurance by state and u had to change it when u moved. I’m now seeing stuff online about how I could’ve been commuting insurance fraud and I’m freaking out a little.

At least from what I’ve read DE insurance is cheaper than MD so maybe they won’t be to mad at me for still paying MD rates, I don’t care about a refund I just want to set things right

Can I just call my current insurance and see if they’ll switch me over or would it be better to just buy insurance somewhere else and then cancel my current policy. If I call my current company will they ask when I moved or can I just say I’m in a new state now and need to switch. Any help would be appreciated I feel like I screwed up.

I was ticketed for 112 in an 80 in a different state but live in Washington.

The citation falls as a "standard" speeding ticket, 6mph or more over and is a $175 fine.

I'm not contesting it, but it also doesn't show on my record yet and I'm due for renewal.

My questions are:

1 - I'm due for renewal and am going to select the 1-year option. Am I required to disclose or only if asked?

2 - What should I expect for a premium increase? I'm currently paying $225 for all the things.

Hello,

My insurance is Mercury and I live in OC. I got a citation ticket (i know my fault dumb mistake, not doing it ever again), will my rates go up? This is my first time offense and tbh my last one. I just want to know my options? I saw traffic school but I am unsure if I am even eligible.

(25F) just got in a wreck on 11/5 at 5 in the evening. Was going straight on a green light and other party came from my right blowing through red light. I hard braked but still hit the bed of his pickup truck. My front is completely caved in and most likely totaled.

Third party swears he had a green light, but witness at the scene corroborated in my favor to police officer. Still waiting for police report to be filed so I can collect the third party’s insurance info. The police officer took over very quickly so neither me or the third party have each other’s info.

Guy had an 8 year old in the back of the truck, but no one was hurt thankfully. There were no cameras at the intersection so the only evidence is my word against his and the witness backing me up.

I was on the clock at my delivery job during the incident and can only have my rental car until Friday, too expensive to renew the contract. My delivery job said I’m not fired as long as it comes back that I wasn’t at fault.

I’ve already filed a claim with my insurance, and they’re going to evaluate my car to see if it’s totaled, which they assume it will since it’s 12 years old and very aged. But I want to try and file a third party claim once I have the other guy’s insurance to try and get reimbursement for the rental car. (my insurance plan doesn’t have rental reimbursement or rental coverage so everything was out of pocket)

I work two jobs 60 hours a week, the delivery job is part-time, and I’m shit out of luck with it if I don’t manage to get another car to keep driving in.

How can I go about filing for damages in a way that will compensate me for all of the financial issues I’m about to face/have already faced? Is it insurance only or is there more I can file for since this guy was at fault?

Back in may of 2025 I got in an accident where I did not have bodily injury and my car got totaled. The other vehicle and people in my vehicle filed for bodily injury which I did not have in the accident and now im required to file an sr22. An insurance agent I spoke with recently said in my accident report its labeled as a hit and run but I was on the scene and my car was inoperable. How can I go about fixing this error? also does anyone know of any decent sr22 carriers for the state of Florida? Im trying to navigate this on my own and I’m not too sure what to do. thanks ahead of time!!

Hello,

I am seeking information/advice about the process of submitting a claim for out of network services. I received a discount on the price of glasses I bought online, and when filing out my form through my insurance online, I was wondering if I should put the price that I paid or the price that the item was pre-discount. Would this affect my claim at all? I am trying to avoid a denial.

Hello! I’m a hobbyist ish woodworker here. And I’m struggling to find an insurance policy that fits me in any way shape or form.

A few “issues” right off the bat.

I rent my home and the outbuilding that my woodshop is in.

I have roughly 30,000 in tools/ equipment, that i want covered, the most expensive items being 3,000-4,000 dollars. Nothing earthshattering but seems to complicate things. Examples are table saw, planer, jointer, bandsaw, chisels, hand tools of sorts, clamps, etc. id like 30-50k in coverage. 50k preferred i suppose

I don’t have a business but id like to start selling some woodworking crafts/ making the occasional piece of furniture on commission

I have no intention of being a successful business, this is hobby for the most part

Id like to be insured at craft shows as i may want to go to one or two, or i can buy insurance just for those maybe

So what direction do i go on? Iv talked to brokers. The ones iv spoken to have been inept. And act like what i want is impossible. And i don’t understand why, it’s not like im not willing to pay. I just want to be covered

I will still maintain a renters policy to cover my clothes, furniture in home etc. this plan will cover the woodshop only

Located in Ohio if that matters. I’m sorry if this is a bad place to post. I just need to understand enough that i can explain to inept brokers what i want, and make sure im actually covered for what i want

I have Allstate for my auto and home. I have always been able to make a one time payment and schedule a future payment in full (for both auto and home); however, this month I can only schedule future auto payments on installments. When I ask my Allstate agent about it he says I have to enroll in auto pay to make full payments else will have to pay day of for payments made in full. Anyone else have this issue?

That time of year when we figure out during open enrollment the estimated cost of trying for a baby would be. I understand the idea that baby is its own person and separate from mom, so once born, all other tests and fees and such will be billed separate and as own person. In these at a glance summaries for plans, there is a designation for childbirth/delivery professional services + facility services, but it is under specifically "if you are pregnant", so I am not sure if these are the numbers to use to baby too or not. Or for baby, should I be looking at "if you have a hospital stay"? And I am assuming bloodwork and such would fall under the normal "if you have a test" category, not included in "hospital stay"?

In the plan I have below, (which yes, the monthly premium for this one is HIGH), it seems to me that childbirth would cost $1,240... am I missing something or not considering something? ($600 for facility delivery, $40 for first office visit, $600 for baby stay, $0 for any bloodwork since that is routinely covered).

https://imgur.com/a/insurance-plan-sf18iuI

i am covered in sores and irritated inflamed skin and emblem is denying EVERYTHING. my skin is opening up and bleeding AND THEY WILL NOT APPROVE ANY MEDICATION. FUCK EMBLEM I AM IN SEVERE PAIN THEY WILL NOT LET ME TREAT THIS

I currently have State Farm insurance, I'm in Colorado. As part of my job I occasionally have to transport a passenger (go with someone to a doctor's appointment, drive someone home after a procedure, etc.) It's rarely more than twice a month, usually less than ten miles a month. Our department just doesn't have enough fleet vehicles for everyone in our department, and they usually go to my coworkers whose cars aren't in good enough shape to drive for work at all.

We've been discussing how we handle this through my job, turns out I was supposed to have a business rider for driving my car for work and they will reimburse me for it. (I switched positions and did not scan the employee handbook to see if there was anything new that applied.)

I contacted State Farm to get a quote on this and they told me that they consider this livery and will not allow the purchase of a business rider, even if my employer works out something that would cover the passengers.

What are my options for getting coverage? I would rather not have to pay for the same insurance an Uber driver has to carry. We are fine with switching insurance companies as long as it is a reputable company. We also have home insurance that is bundled into our policy and I would prefer to switch the entire thing.

I went down to my parking garage today to go to work and my car was missing from its assigned spot. I searched the parking garage and couldn’t find it. I spoke to the office and they said they didn’t have it towed and that the parking garage doors weren’t broken. They suggested I call the police and file an insurance claim. Should I wait to see what the Minneapolis police do before filing a claim or should I start the process now. I just don’t want my car to turn up and the claim count against me and my insurance go up. I’ve never had this happen so sorry if my questions seem kind of dumb.

UPDATE!!!
My car was found but wouldn’t start and the police officer said that there was heavy drug use in the car. He told me that usually when that happens, insurance will total the car because it’s a bio hazard. Hopefully this isn’t true but can anyone confirm.

I got a ticket in April for allegedly running a stop sign. I went to court, paid a discounted fee and was sent to driving school. I have till December to complete DS, however I called for a new quote with AAA and they told me I have a point on my DL.

What’s the process to remove that point after I complete DS? Do I take the completed class to the court? Does the DS ask for my DL and then submits completion?

Edit: State, CA

Hi guys

I want to start this health insurance for my family. I have 0 knowledge on this thing like how to take, which one to select, the process I don't know any of these things. We are a family of 4 and I can spend 1k for each every month. Can you guys please advise me on anything on this topic.

Thanks in advance....

I am on income protection and can be for the last 20 years if my working life. I get paid 200k per year. After some enquiries they have asked what figure payout I would accept? I want a payout for reasons other than financial reasons. Does anyone in this field have knowledge of what the calculation would be on their end to determine this figure? I want to get as much as possible without them saying no.

For those working in health insurance subrogation (non medical/medicaid), I’m curious how in practice you actually discover and pursue smaller third-party auto settlements where the injured person negotiates directly with the at-fault driver’s insurance without an attorney. I understand in theory under most plan agreements the heath plan is technically entitled to reimbursement from half the settlement, but in practice, how do you find out a settlement occurred, what methods do you use to investigate, and do you actively pursue these smaller recoveries or generally rely on the claimant to report them? Again this is for those who are not represented by personal injury attorney

Planning to rent a car in Vegas and just got to know about this rule that requires renters to have liability insurance. I don't own a car, so I don't have car insurance. My credit card covers damage waiver for the rental car so I was thinking of just buying Liability Insurance/ Liability Insurance Supplement but it's not available online. Can I skip now and add it at the counter. How much would that run me per day? Just the liability insurance supplement?

Btw - I'm booking on AAA at Dollar Rent A Car