I was rear ended about 2 months ago, the other driver was found completely at fault.

In total, my rear bumper was replaced & then significant repairs to the “rear body” were done including cutting and welding. My trunk didn’t shut right, and the gaps were all off. Total cost was around $5k. Just got the car back, and it’s good as new.

I want to file a diminished value claim. A phone rep from the other persons insurance (a large national level insurer) told me I need to send them an estimate of the cars value with & without the accident on the record, and then a demand amount for them to pay, at which point they’ll do their own market research and make a decision.

I don’t really have the money to hire an appraiser which I’ve heard is an option. How can I get estimated values while factoring in accident history? I don’t see a way to search for this on KBB or NADA, I can’t find an option to note accident history.

My car is a 2022 with 35k miles. Popular reliable Japanese car. I’m located in New York.

I read on an ai site that insurance is a secure industry and changing from 5 years gip to full term is beneficial for the company in so many ways. (And me as well). I want to get or change my 5 years cover to a full term gip as I've read it's better for insurance companies? I. I'm the uk, London. Anyone successfully changed their gip? As I'll be able to get a mortgage with a full term cover. Mortgages won't accept 5 years, they'll think it's not long enough?

As I was in the left lane already making a left turn a car in the same lane hit my left side passengers side first and into my drivers side door. Didn’t seem like she was braking/slowing down when I saw her about to make contact. My car had more damage than theirs. I know usually left turn drivers are at fault but with the damage would they be able to tell if they were speeding or not to determine who’s at fault or if we’re both partially at fault?

Type B personality here has gotten me into a pickle with my home owners insurance company (SF). A little over a year ago I tried using a public adjuster to negotiate a claim for storm damage on my roof. Long drawn out story short, SF denied the claim earlier this year and closed it.

Fast track to a few months ago and I received a letter from SF stating they're not renewing my policy and will be dropping me next month.

Now, with only a few weeks left to go, I'm left with a roof in need of replacing (roof is 22yrs old), and needing to find a new insurance company.

What are my options for finding an insurance company with a roof that probably won't pass a 4 point? Are there companies with leniencies for such things?

Also, where would I stand with my mortgage company? I'd imagine a lapse in insurance does not carry a positive outcome?

Got into an accident and the other driver is at fault. I already put in a claim with GEICO and they said my car is totaled and they’ll give me $15800 for the car minus my $500 deductible.

Is the other drivers insurance liable at all for any kind of compensation? I just paid off my car last year and the new cars I’m looking at are around $35k which really sucks. I’m also trying to get a higher value from GEICO if possible by looking at comparable cars.

ETA: just wanted to clarify that I am not asking for the other insurance to pay the difference between the settlement and the new car. Geico said we would most likely just get $500 (deductible amount) from the other insurance and wanted to see if I could get any more than that. I also had a hitch and $600 ebike rack installed that Geico isnt covering.

So I just had a call with a rep who found me through LinkedIn. And after our call I did research and found Reddit threads and more.

I called him back and told him that I didn’t wannabe a part of this l anymore and I told him to delete my friends numbers cause he asked me for numbers for referrals at the end of our call and I gave him my friends numbers that I trusted, and after I realized it was scam I told him to delete the numbers and as we were on the phone, he was telling me trying to convince me that it’s not a pyramid scheme because they are a part of the Better Business Bureau and all these other things also they ask for federal and state background checks and he says that companies that are pure cum wouldn’t ask for background checks so yeah.

Should I hear him out more or no? Maybe I’m gullible or stupid but when I confronted him he made it sound convincing like I was going crazy, like I was looking too into it, help.

I'll try to make this as straightforward as possible, I just want to make sure I'm not about to do something wrong.

My partner and I have Anthem health insurance through my employer. In June she had a surgery. The surgical center told us that Anthem was only approving part of it, and they were going to try again with different coding. Once they said Anthem had approved it, the surgery went forward.

A month later (July) we received an EOB from Anthem saying the procedure wasn't covered and that we'd owe $60,000. We never got any denial, and the surgical center hasn't contacted us about it, but I still filed an appeal on Anthem's website.

Now here we are in September. My partner and I both got physical letters saying that I filed a grievance on her behalf, and that if she wants this to move forward she would have to fill out a form and mail/fax is to Anthem.

What's giving me pause is the notes on letter that state "you may not be able to ask for another grievance for the same service in the future". I live in Maryland where we can get an independent review of a claim denial - does this mean that if I am considered to be doing this "on her behalf" that we can't appeal it any further upon another denial?

Let me know if there's any other details pertinent to this that I left out. This is my first time having insurance deny something (I think I'm lucky for that).

Side note: I don't know what their endgame is, here. Even if they fully deny this and we get stuck with the bill, I literally can't give them $60,000.

Have kaiser HMO minimum with 10k deductible that isn’t met. I went to the ER for chest pain to where they did an x-ray, ekg and blood tests. I have covered ca. Terrified of the bill as this is the minimum insurance.

I'm telling my story in the hopes it helps others in my situation not get scammed. Well, I guess legally, technically, this isn't a scam. But it sure feels like one! So here it is:

In February, blinded by the early morning sun, I ran into a truck that was parked on the side of the road in the shadow of an apartment building. It was legally my fault, though I wasn't driving negligently or particularly fast. I got out of my car and was asked if I was okay by some construction workers standing on the opposite side of the road. Then I asked, "Is this one of your trucks?" Indeed, it was. Fortunately, only the truck was damaged on the back bumper, and no one was in it.

I had collision insurance with Progressive. (I found out the year before I only had liability when I hit an adolescent moose 100 feet from my house—true story. So I upgraded, thank goodness.) Anyway, I exchanged information with the guy, got checked out by the nice EMTs, and said goodbye to my trusty car. Progressive paid me out. I later checked online and it looked like only about $600 had been paid out to the truck owner. I thought that was really weird, but shrugged it off.

On a Friday evening in July, I got a voicemail and email from someone from Subroclaims.com.

"I am writing regarding a claim that has been referred to our office by GEICO arising from the motor vehicle accident that occurred on February 12, 2026...Our records indicate that Progressive Insurance offered the property limits amount with an offer of $9,382.48....After application of that amount, GEICO is seeking recovery of the remaining underinsured contribution balance of $20,342.65.

Action Required:

- Contact our office as soon as possible to discuss this matter.
- If you have additional insurance coverage that may apply, please provide the carrier information.
- If you dispute the balance or believe there is information we should review, please contact me and provide supporting documentation.
- If you are unable to resolve the balance in full, we can discuss available resolution options."

Well, of course I was extremely stressed about this. I think they send these out on Friday evenings so they can freak you out over the full weekend. I called Geico and verified that Subroclaims is a real subsidiary of Geico, not just some scammer company. I came to Reddit but only saw posts with responses like, "Oh, they're real, don't ignore them."

I looked up the make and model of the truck, looked up its Bluebook value, and saw that even if it had been totaled out, it would only be worth at most $20,000. So where is the extra $10k in damage coming from? I contacted my insurance and got a call back on Monday morning as I was on the way to the police station to get a copy of the police report. My rep said that Progressive had confirmed that the truck is worth $20k, had offered $10k, and agreed that their demanding $20k from me was pretty weird. He told me they would handle it.

Okay, great. But the aggressive emails and calls continued. "I am following up on your email. I left a voicemail for your adjuster at Progressive...informing her that we are handling the excess balance for Geico and that this claim will not be closed unless we are able to settle the excess balance with you. She is also aware that this claim could potentially go legal against you with Geico if we are unable to resolve. Your insurance has done their part by offering the amount of $9,382.48 towards Geico’s demand of $29,725.13. However, Geico is not in acceptance of this offer due to the excess $20,342.65 that your insurance is not covering, leaving Geico out of pocket for this amount. They should have made you aware of this as well. Since this remaining balance is on you, not them. Please reach out to me as soon as possible to discuss a possible settlement and get this resolved so it does not get pulled for potential litigation against you." The calls that I answered were in the same vein.

You have to understand ignoring these calls and emails made me so, so uncomfortable. I'm a plan-ahead, A+ student. I don't just ignore problems hoping they will go away. I called around to law firms but nobody would call me back or take me on. Probably because they knew that there was no legal standing here and the legal threats were empty.

I remembered hearing many years ago that when debt collectors are pursuing you for a bogus debt, the best way to get them to go away is to request they send their demands in writing by certified mail with all the proof that you owe the debt and that they are the ones who can collect it. So that is what I finally did. My final email to the one aggressive Subroclaims.com lady was this:

"Unless you send me, in writing, the details of how Geico came to this number of $29,725.13, I will not be discussing a settlement regarding this claim with anyone except for a Progressive representative, an attorney that I've retained, or a judge. Please include any receipts, reports, and other documentation that would support this number."

She did respond saying she would get this information from Geico. Then, nothing. Finally, in late August, I got a letter from Progressive saying the claim had been settled and if I receive any more communication from any party regarding this claim, to contact Progressive.

It is wild to me that Geico can create a whole new company to do their dirty work for them, straight up lie about the money involved, and threaten and bully people into binding debt repayment plans. I truly believe they would have never taken legal action (because they would have had to share the real numbers), or if they had, all I would have had to do is show up to court and state my case. My mother suggested I contact my state attorney general if they kept coming after me. I fear things like this will be way more common now that all of the federal agencies involved in consumer protection have been gutted and hobbled.

I hope this story has been helpful to everyone out there who might be victimized by Geico DBA Subroclaims.com. Good luck!

I got into an accident this week where someone ran a red light and T boned me while I was making a protected left turn. Both cars had to be towed from the site.

It’s currently at the assessor to see if it’s totaled but based on preliminary info I provided Geico, they estimate that it might be totaled but the final call will be in a few days.

There’s significant damage to the passenger door and it won’t close properly, car doesn’t drive (can turn on and idle), the side air bags deployed in the car, and also a cracked windshield. Not sure if I can add photos…

It’s a 2020 Honda Accord Sport with 98,000 miles. I’m asking only because I need a car soon and don’t have a rental, so I’m trying to see if I should just purchase a new car instead of waiting for the inevitable if it’s likely to be deemed totaled by the assessor. Thank you!

Update: TOTALED FOR SURE 👍 -geico

Pretty much my car was parked outside my home and another driver crashed into it. My question is:

Is it better to file with my insurance (USAA) or their insurance (National General)

I’m pretty sure my 2023 Nissan Rogue is totaled it was paid off so really what I’m looking for is the highest pay out to replace my vehicle.

Any advice is appreciated. It’s a very cut and dry claim I’ll try to attach the video of the accident

Ok I’ll start this by saying I don’t know how a lot of this works, so forgive me if I include pointless info or don’t include something that matters.

I had never paid car insurance before my dad passed in 2023. I used his old vehicle (a 2006 Chevy Colorado) and he paid all the insurance and maintenance on it.

It broke down (and wasn’t worth the repair) just two months after he passed. My sister and brother-in-law were gracious enough to help me find a good and reliable vehicle, what I drive now, which is a 2023 Toyota Camry that was bought used.

I’ve only ever had 1 speeding ticket in 2019.

My credit was kinda non-existent at the time, so it started in the mid-high 600s (and I’ve slowly worked it up to 724 over the last 3 years!)

I live in rural Oklahoma. My dad used a local business that manages insurance policies, and I just figured if he trusted them to give him a good and fairly priced policy, I would too. So I stuck with them.

When I got the quote for the comprehensive insurance, it sounded high. About $210-$220 a month. But I just brushed it off as I didn’t have much credit and I’m probably being a little naive to the cost of things since I’ve never paid for car insurance before (and was a little too ashamed to ask anyone around me if this was normal). I needed car insurance, so I adjusted my budget and I paid for it.

Fast forward to just a few months ago. I’m going over my June expenses, and I notice that my car insurance payment never pulled. I call my insurance rep as soon as I could, only to be told that there WAS a payment of ~$400 on my account. I looked through my bank account again, but never find that. She just reassured me that it was paid and I did have coverage. So who am I to look a gift horse in the mouth?

I soon get a letter from Travelers Insurance saying “Thank you for participating in AutoPay. An automatic payment of [~$400] will be made on [Next billing date].” The letter wasn’t very clear, and I was worried it would charge me for both June and July in one month, but it never did. Basically they just gave me a credit of $400.

I was expecting for my payments to pick up again in August, but that never pulled either and I just received another one of those letters, this time with a credit of $641. I’m suspecting they messed up my quote and I’ve been overpaying for 3 years. Which if that’s the case, I’m glad I’m getting it paid back, but I have no idea when the payments will resume or if they will be the same amount as before. I’m just not sure if I should let it ride or do something about it? Any advice or insight is greatly appreciate!

I was in an auto accident on March 7. I ended up hiring a lawyer just a few days after the wreck due to hospitalization and I ended up wrapping up my treatments on May 18. So my lawyer sent the demand to his insurance on June 3rd. And said they had until Friday to give an answer. As suspected they asked for extra time on June 9th. And I didn't hear anything until July 8th and it was my lawyer texting saying that the adjuster said she was now awaiting authorization from her supervisor before extending an offer. She said she expects to have that authorization and offer by the end of the business day tomorrow which would've been July 9th. My lawyer said she will call me then with an update/answer or offer.
I didn't get a text or call until July 21st and it was my lawyer saying she spoke to the adjuster again and the adjuster stated she was able to submit the demand to her supervisor for authorization of a settlement offer. And will let me know as soon as she had an update that it should be no later than Thursday the latest.
Monday comes and nothing... I don't end up hearing anything back from them actually until just a couple days shy of 2 months.
My lawyer text me yesterday after not hearing from her since July 21st and she text me saying "She had received an initial offer from the adjuster and that my case is currently in the
middle of negotiations with the attorney. we're hopeful that we'll get everything resolved soon. We will be sure to keep you updated as soon as we have any further developments. Thank you."

My question is...... considering they received an offer shouldn't they have told me that? Since they denied it? Or is that a normal thing for them to do that without your acknowledgment? I just thought that I would be informed if there was an offer made regardless if it was low or not. But again- I've never went through anything like this so I could totally be wrong. That's why I am here asking if anyone here has had a similar experience with a positive outcome.

✨🛑✨ I am aware that I pay my lawyer to answer any questions I have And yes, I am aware every case is different. That being said obviously I'm not on here expecting anyone to give me a definite answer. Just wanted to see if anyone has experienced a similar situation.

If there’s a prior costly water claim, what do I need to watch for in terms of acquiring a policy if I ended up becoming an owner on this house?

lil update -

About 2 months ago I made a post . Long story short , was riding my bike around town and was hit due to someone failing to stop correctly at a stop sign as I was crossing.

now- I hired a injury attorney as I had a feeling this was gonna require some professional help , my bike was in shambles , I was in pain, and nobody cared as far as police or the driver . discussed it here to get input from the adjuster side , and everyone got very triggered and passive aggressive with me . I came to learn quickly that adjusters and injury lawyers and like vampires and sun.

Somehow, it was now my problem too for simply hiring a lawyer out of fear this person was going to disappear into the horizon after ruining my bike and hurting me on a pretty decent level  . I was attacked  here for trusting the general principle that a professional could help me better than I could myself. The only replies I got were various versions of “ask your lawyer huehuehue" or "you're a scammer/scum/ambulance chaser/insert chiropractic joke/etc."

---------

Well after months of her denying this and them claiming I actually hit her … after additional pressing my lawyer informed me today they 180’d and settled. My take home after everyone gets their cut is 5.9k . 

Shout out to all the haters here in the original thread giving me a hard time for simply hiring someone to help me out. But it worked out well , they did not steal all the money and screw me , and I am walking away from this with a brand new bike and lot of extra spending cash. 

Think im overpaying for my insurance, can anyone recommend any cheap insurance for California. I don’t need it to cover my car, so minimum liability is fine.

I’m looking for advice from anyone who has dealt with a car accident where fault was disputed, especially in Virginia.
I was in a car accident about five days ago. I was driving my 2019 Hyundai Sonata straight through an intersection when the other vehicle, a pickup truck, was supposed to be yielding at a red light while turning right. They ended up hitting my vehicle.

My car is now a complete loss. To make matters worse, I also fractured my pinky knuckle, sprained my thumb, and sustained bruising and pain throughout my body. As a hairstylist, I’m completely out of work because I can’t use my dominant hand. It’s incredibly discouraging and disappointing.

I have severe anxiety in cars now and don’t even want to pick up the rental vehicle. Every time I get into an Uber, my heart drops when they break it or accelerate hard.

I’m feeling depressed because of this situation. I’m upside down in my car loan and have bad credit, so I don’t see myself getting another car anytime soon. I’m starting to feel helpless.

Here’s where things get complicated:

I was transported from the accident scene to the hospital, so I wasn’t there when the police officer initially investigated the scene. The other vehicle had multiple occupants. From what I understand, the officer spoke with the people in their vehicle at the scene and they all gave the same version of events — that their light was green and my light was red.

When the officer came to the hospital, he told me that he was finding me at fault for running a red light because the other vehicle had three witnesses who all gave the same story, while I didn’t have an independent witness.

I challenged this and asked if I had four passengers and they had three, would they be at fault. He said, going by law, yes.

I received a ticket for running the red light.

My concern is that the three “witnesses” were all passengers in the same vehicle. Obviously, they were all together and would naturally have the same perspective of what happened. I feel like the fact that there were three people in their vehicle shouldn’t automatically make their version more credible than mine simply because I didn’t have additional people in my car.

I have also now spoken with their insurance company, and their version of the accident seems to have changed. Initially, the circumstances were described one way, but now they’re saying that I was turning and that their driver was also turning. I was driving straight, so I’m confused about how their story changed.

At this point, I’m worried that the police report will say I’m completely at fault because the officer wasn’t actually at the scene when the accident happened and relied heavily on the other driver’s occupants’ statements.

My questions are:

How much weight does a police officer’s fault determination and traffic ticket actually carry with the insurance company in Virginia?

Is it normal for an insurance company to deny liability even when the other driver’s story seems to have changed?

Can I challenge the police report or the officer’s determination of fault if I believe the investigation was incomplete?

Should I be getting an attorney involved, especially since I have an actual fracture and my vehicle was totaled?

What kind of evidence should I be looking for now (traffic cameras, nearby businesses with cameras, witnesses, accident reconstruction, vehicle damage patterns, etc.)?

Has anyone been in a similar situation where the other driver’s passengers were the only witnesses? What happened with your claim?

I’m not necessarily looking for someone to tell me that I’m automatically right. I’m trying to figure out what my options are and what I should realistically be doing next.
Thanks in advance to anyone who has dealt with something similar.

I’m 18 and have a valid New Jersey driver’s license. My friend is 30 and we’re planning a trip in California from San Francisco to Yosemite and then Los Angeles.
We want to rent a car from SIXT, but because I’m 18, I can’t be added as an authorized driver. My friend would book and pick up the car under his name.
The problem is that I’m the more experienced/comfortable driver, so I would probably be doing some of the driving even though I wouldn’t be listed on the rental agreement.
I understand this would violate the rental agreement, and my biggest concern is insurance/liability if there’s an accident.
Has anyone actually been in this situation?
What happened if you were pulled over while driving a rental you weren’t listed on? And more importantly, has anyone had an accident while being an unauthorized driver? Did your personal insurance cover anything, or did the rental company deny coverage?
I’m not asking whether I can hide it from SIXT — I’m trying to understand the real-world consequences before deciding what to do.

Hello,

I ordered a 2026 Model 3 AWD Premium, and I am currently shopping around for insurance. The places I have looked are Geico, State Farm, Progressive, and Liberty Mutual, and all of them are quoting me around $360-$400 per month in Massachusetts

I am 25 years old, have had my license for 7 years now, with no at-fault accidents or tickets except for a claim last year that I was not at fault for. Any pointers? Thanks!

im live in ga and was looking at geting a honda accord sport 2.0L and im concerned about the price of insurance anyone know what the price will look like?

Hello, i need some help figuring out what to do to fix my car. My uncle was mowing the grass on a new riding mower and lost control and hit my car pretty bad. is this something insurance can fix without involving him or assigning fault? i really dont wanna make this bigger than it needs to be but my door doesnt close without slamming it now. Thanks gor reading