Hello, this is my first car and first time buying car insurance. I haven't registered the car I bought yet so the car isn't really under my name even though I bought it. I went with progressive because they gave me a cheap quote. I had to send proof of the car and the title since it isn't registered yet. A day later they said that they found the previous owner and he isn't listed as another driver for the car so they couldn't give me my quote. However, an hour later they sent me my quote and on the quote summary section, I am only listed with all my information and not the previous owner. Did they fix the problem? Also I just sent an email wanting to confirm that I am only paying for myself and not the previous owner. Please Help!

I am a travel nurse and travel to other states to practice while maintaining a tax home in my home state.

My policy is based in my home state per tax laws and common sense - I cannot change policy for every contract. However the contract I’m at now I’m here for 11 months (12 months is the limit for the above mentioned criteria)

I enrolled in Progressive Snapshot because I’ve done it before and it has saved me money and I also don’t drive much.

Will this be a problem with them seeing I’m “living” out of state? I obviously have all documentation necessary to prove I’m here from work and do not live here permanently, but I know insurance can be weird and I’m wondering if I should opt out for this purpose. I don’t want them to use this to deny any potential future claims

On Aug 2 2026 my mother's boyfriend & I got into a huge argument. His car and my car and my mom's car were all in the driveway. I hopped in my car and had to reverse out of the driveway and then speed away to get away as fast as possible (earlier that day, he had chased me up the driveway calling me stupid repeatedly, so I really wanted to get away.) I am 28F my mom is 75F and her bf is 77M. After I sped away from the house (and have not returned since) he filed a claim with his insurance stating that I struck his car as I was reversing and trying to get away from them. I am worried both he and my mom will attest to his insurance (he has Liberty Mutual) "yes, I saw her hit John's car," when I did not. At first, Liberty was trying to get in touch with me and I said I had no idea what they were talking about (didn't know he had Liberty when they were contacting me.) A few days later, my mom probably hooked John up with my license plate and insurance info, and now my insurance reached out saying "this person says you struck their parked car." I say "no, I have no knowledge of that. my car has no damage so how did I strike a car? what damages are they claiming?" and that's when I learn my insurance (Arbella) was contacted by Liberty Mutual. I submitted an operators report saying how "this is my moms BF reporting- we don't get along- I was leaving the house- my car has no damages" and submitted photos of my undamaged car. I'm worried if insurance will believe them because it's 2v1? And the Arbella said a demand could be sent from Liberty Mutual if he doesn't just give it up. There's only eyewitness testimony, no camera footage to prove I didn't hit him, and it's stressing me out and I'm losing sleep over it to the point where I have been sleeping/living in my car since he did this just to not see them. I guess my question is do they have a case? I'm worried he will relentlessly come after me

Progressive (direct, my current insurer): ~$275/mo with a $2,000 deductible, but this hasn’t been reviewed against the recent at-fault accident yet since my policy period isn’t up

GEICO, via an independent agency rep (not a GEICO employee, sells GEICO policies among others): quoted me $289/mo with a $1,000 deductible, said it’s “finalized” and includes the accident, dated the report as pulled a day after my accident

GEICO, when I called their support line directly: rep said they saw no MVR or CLUE report pulled on their end, and estimated I’d actually be looking at $350+
• GEICO, when I ran a quote myself directly on GEICO’s own website: also came back around $350+

My confusion: The agency rep insists her $289 quote is final and accounts for my at-fault accident. But two independent GEICO sources (their phone support and their own website) both landed at $350+, with no visibility into her quote.

Is it normal for an insurance agency’s internal quoting system to generate a materially different number than what the actual insurer’s own website or call center produces? Should I trust the direct-from-GEICO number over the agency’s, even though the agent says hers is finalized? Any experience with this kind of discrepancy would help. Trying to figure out which number is realistic before I commit to a car purchase.

Hey all,

I was recently t-boned by another driver. My hatchback has a ton of damage, but the other vehicle (lifted truck) got out with a small dent. The driver wasn't the owner of the truck, but both vehicles are insured with State Farm. I made a claim, but the guy who was driving the truck at the time is refusing to give a statement about what happened, and State Farm says that my reimbursement will be filed under my policy instead of the other vehicle's policy, because it's supposedly not clear enough that the other driver was at fault.

Is there anything I can do about this? I don't have any evidence except text messages where he says that I can shoot him an offer for the damages, if I wanted to settle w/o insurance.

I’m with Sunlife in Canada and been off work for the last year due to health related issues. It’s taken over a year for my insurance and dr’s to get their shit together and get all of it done. On top of that I have to pay my job for insurance every month so I can still have it. Is this normal? Why doesn’t the employer cover it? Can you get this money back? Am I wrong to think this isn’t right?

Had a leak from an ice dam in feb. Insurance says the interior damage is limited to ceiling and some drywall, refuses to cover roof or mold. Been fighting since buy I think I'm out of options. They claim the roof had moss on it (there's no moss in the picture they sent claiming moss aside from one tiny spot). The roof is 13 years old and was in good shape prior to the ice dam. Now the decking looks warped and some of the shingles look lifted. They are denying coverage for roof and mold. Any options besides a lawyer?

Hi guys, I have an interview for this tomorrow and am trying to decide whether to keep it.

This position was advertised as "no cold calling," while simply helping people enroll in services, and answering questions to/supporting pre-existing customers over the phone.

I've seen posts about Globe Life but not this specifically-worded position, though I suspect its little different from others.

But I'd just like to confirm if anyone has experience with this role and if its truly not a cold-calling one. And if there is a base salary for it or is all commission.

Thanks a bunch for any help.

Has anyone dealt with IAA asking for a blank title after a total loss?**
My car was recently totaled in an accident, and IAA (a third-party company handling things like towing, title processing, etc.) is involved in the claim.
They are asking me to send them the vehicle title without filling in the buyer/purchaser name** so they can process my settlement.
The issue is that, in my state, I believe it may be illegal to sign or transfer a title without entering the buyer’s name. I’ve also received conflicting instructions about this.
Has anyone here been in a similar situation with IAA or a total-loss claim? Did you send the title with the buyer section left blank, and if so, how was it handled?

2 months ago my husband was involved in a car crash and found not at fault. This happened at the end of june. We contacted the insurance companies and filed a claim the day it happened and called for an update mid July. We never heard anything back until end of July when we were supposed to receive and offer and was told they were still working on it and had JUST gotten the vehicle by the insurance company. Mid August we finally got an offer but found out the offer given was ONLY for the vehicle and the people handling the medical bill and compensating the time off work he missed would be in contact soon. Still have yet to year anything back AND we've had to make two payments on the vehicle even tho we haven't had it in our possession and its been reported that the vehicle was in an accident. My husband will be contacting them tomorrow to figure out what's going on but it feels like it shouldn't have taken this long.

Is there any advice to be given during this situation? Has anyone else dealt with anything similar? How else can we resolve this?

Does anyone have any guidance on how much to ask for diminished value on my car.

It was only a month old when I got hit in a brand new Toyota 2026 Prius with less than 1,000 miles. The damage wasn’t “too bad” with just a back corner being damaged/hit (not my fault) $3500 in repairs.

I saw the 17c formula but with my car only having had been a month old I’m wondering if I should ask for more or if that has no bearing on a the claim.

So does this mean they’ve moved forward with fixing my car or is it still up in the air? On the insurance claim it says repair in progress and it also has an option for rental

Does credit card card rental insurance only cover the credit card card holder, or does it also cover any other driver on the rental contract?

Hey guys, I’m a college student. This morning I was pulling into a spot, I misjudged the space and ended up scratching the car while the owner was getting out of the car. We both cringed, exchanged info, and went off to our classes.

It was a small scratch on the bumper and a scratch on the reflector. I offered to pay and they said they’ll have insurance cover it.

What do I do? Should I wait to hear back? I’m freaking out cause my premium will go up

As the title indicates, I'm in an area recently impacted by a significant fire. Many of my neighbors lost their homes and we are feeling incredibly grateful to still have ours.

We're working with insurance on our smoke damage home and personal property claim. One of the things they’ve asked us to do is to outline damaged landscape items and indicate replacement cost.

The challenge I'm hitting is that some of the established landscaping we lost were native bushes that no landscaper or arborist is likely to replace. No local nurseries carry this species because this type of plant is everywhere. We specifically kept and cared for about 5 large ones in our yard, 3 are completely gone, and I'm at a loss for how to start with a cost evaluation.

We also lost a number of other natives that I've planted over the years but those are smaller and more straightforward given that we originally bought them. The other bushes were here when we moved in.

Any suggestions or insite is greatly appreciated!

I was in an accident last week with my 18 month old daughter in the car. We were at a four-way stop sign intersection I stopped. Nobody else was even at the stop signs at that point. The car that hit me was about 20-30 feet back. I start to go and when I’m entering the middle of the intersection. I realize they did not stop at the stop sign and I made eye contact with them as they hit my car. Their insurance company is saying it was my responsibility to ensure that the intersection was clear when I entered. Now I’m having to pay out-of-pocket a high deductible that I will not see back and my car will take three weeks to be fixed. It is a nice new car so I did not get rental insurance because I did not think my car would break down and I would need it. The other insurance company will not pay for my rental car. I am missing work. I am missing school and I don’t know how I’m going to be able to afford to live for the next three weeks. Is there anything I can do to fight this?

I’m not sure if this is a revelation, a vent, or if I’m asking for advice. However, all respectful responses are appreciated.

We have progressive and been with them the past 4 years.

1st accident July 2023, someone backed into our SUV as she was pulling out of a parking spot and my husband was driving straight. Damaged our passenger side doors. She had no insurance.

My UM covered the accident. Progressive said they would get our deposit back. Two years later they said “we exhausted all our options and no luck.”

2nd accident March 2026, I was driving straight slowly in front of a school during drop off hours, a car went into the oncoming traffic lane to go around me. He didn’t clear my car and ended up hitting my driver side, damaging my front bumper. Turns out he was an uber driver in an uber rental. Uber was giving us the runaround, so I used my insurance to speed up the repairs. No luck yet with subrogation

3rd accident June 2026, driving straight on a 3 lane one way. Other driver (at high speed) randomly slams into my driver side, pushing me out of my driving lane and into a parked car. Totaled both his car, mine, and the parked car. We both have progressive, he claims he swerved out of the path of a phantom driver from a side street. No one to corroborate his story, but Progressive decides we all have to use our own insurance anyway. They gave us both the same adjuster, and she kept mentioning he might not have enough coverage to cover my vehicle, my injuries, and the other parked car.

Now I’m at 3 accidents. No reimbursements, no explanations. I mean, is this typical? Did we just have a bout of unfortunate luck? should we consider switching auto insurers?

Or is this what it was all along: car insurance is for you, and you only. Maybe that’s it.

I just can’t imagine Progressive not wanting to be reimbursed (with the exception of the last accident)

trying to understand the distinction here before I call insurance. the problem is a pipe behind our bathroom vanity suddenly leaked and damaged the vanity drywall and part of the flooring. I keep reading that homeowners insurance may cover the resulting water damage but not necessarily the plumbing repair that caused it is that true?

Considering a good driving record and other things being equal what age demographic typically is given the best rates for auto insurance ? Is that too general of a question ? Just curious.

I was in a stressful situation where my home was supposed to sell on a specific date but didn't. I had cancelled my long time insurance and had to get a new insurance policy since I was no longer living there. I was able to finally close on selling 16 days later so I cancelled the new insurance policy. I thought I would get most of the money back since that is how it has worked for me before, but got almost nothing back. My insurance agent broke it down as follows:

A payment was made for 844.69 and the policy was in force for 16 days. 

First subtract all fees from that amount ...fees were $58.69 so that then leaves a balance of 786.00 (fees are only partially refundable).

Then the policy is short rated at 10% which is 10% of the overall premium (the overall premium of this policy was $3,202.69). 10% of that was 320.26

So he paid 844.69

less fess       58.69

____________________

786.00

short rate    320.26

__________________________

465.74

/16 days in force is daily rate of 27.35

The refund you got back was for your FIGA fee.

Does this look correct? I would imagine the daily fee would be less than 27.35 if the overall policy was 3.2K. I am in FL and all I can find about short rate law is that they can't take more than 10% but I'm not clear on if that is based on what I paid or the full premium amount as they are saying. I can't seem to find anywhere in my contract though where it says I have to pay an early cancellation fee or short rate fee. I just see it mentioning cancellation will result in pro rata. Any insight is appreciated! I just seems like I got ripped off to pay almost 850 to insure a home for 16 days.

location: California

I’m seeking help understanding the physical-damage language in my California personal auto policy. I am also beginning to consult attorneys, but I would appreciate perspectives from insurance and coverage professionals.

The basic facts:

• I rented a private passenger SUV for a short personal trip in Utah.
• I was the named renter and was sitting in the front passenger seat when the collision occurred.
• A non-household friend was driving with my permission.
• My friend was not listed on my auto policy or the rental agreement.
• The rental company is demanding approximately $26,600 for a total loss and related charges.
• My California policy had collision coverage with a $500 deductible.
• The rental SUV was not owned by me and was not furnished or available for my regular use.

Other possible coverage sources have been pursued:

• The rental agreement stated that a damage waiver was included, but the rental company denied the waiver because my friend was not an authorized driver.
• My friend was a named insured under his own Washington auto policy and had collision coverage. His policy covered qualifying non-owned vehicles used with the owner’s permission. His insurer denied coverage because he was not listed on the rental agreement and therefore, in its view, did not have the rental company’s permission.
• The credit-card benefit administrator advised that its rental benefit applies only when the cardholder is driving.

Therefore, no insurer or benefit provider is currently paying the rental company’s claim.

My present dispute concerns the section of my California policy titled “Part D: Coverage for Physical Damage to Your Auto,” which provides collision and comprehensive coverage.

Part D says the insurer will pay for direct and accidental loss to a covered auto or a “non-owned auto.”

The relevant definition states:

“Non-owned auto” means a private passenger auto not owned by or furnished or available for the regular use of the named insured or a family member “while in the custody of or being operated by” the named insured or a family member.

My insurer denied coverage because my friend and the rental vehicle were not listed on my policy.

I requested reconsideration and specifically asked the insurer to address the separate “custody of” language. The insurer responded that a non-owned vehicle is covered only when operated by me, a family member, or another listed driver.

However, the Part D definition in my issued policy does not say “only when operated by.” It says “in the custody of or being operated by.”

I was the named renter, remained contractually responsible for the vehicle, retained the rental agreement and keys, and was physically present in the front passenger seat when the collision occurred.

I have asked the insurer to:

1. Address the “custody of” alternative directly.
2. Identify the Part D provision containing its claimed operation-only requirement.
3. Identify any Part D exclusion that eliminates my physical-damage coverage solely because a non-household friend was driving.
4. Explain whether it is relying on the policy’s separate “reasonable belief” exclusion.
5. Analyze my Part D physical-damage coverage separately from whether my friend qualifies for liability coverage.

My questions:

• In ordinary auto-coverage practice, can a named renter who remains in the vehicle retain “custody” even though another person is physically driving?
• Is the insurer effectively reading “in the custody of” out of the definition?
• Is an unlisted driver automatically disqualifying for my first-party physical-damage coverage when the insurer has not identified an applicable unlisted-driver exclusion?
• What should a proper written coverage determination address before the insurer relies on an operation-only interpretation?
• Regarding my friend’s Washington policy, can permission from the named renter ever satisfy a non-owned-auto requirement for “owner’s permission,” even when the driver was not listed on the rental agreement?
• What type of attorney should ordinarily lead the coverage dispute?

How does this impact my rates? Rental car, fully covered by rental car insurance ( thankfully).

My car is totaled. Could someone explain if ACV is intended to be what I need to pay retail to buy the same car year and mileage, or what I would have gotten in trade at a dealer, or somewhere in between? If it isn’t the retail price, how is that making me whole if I just want to be where I was before I got rear ended (by the other driver, and maybe now again by insurance!)

Edit: thanks! you can see by the answers I’m not the only one whose confused. I’m not asking for more or less than exactly what I had 10 seconds before the accident. Dealers must make a profit and offer sellers a hassle-free instant credit at less than retail towards another car. A seller to a private buyer endures a hassle and risk, and so expects more cash than a dealer will offer. I’m not a dealer so I can’t command the hassle-free price and I have to pay more from a private seller or a dealer at retail to be made whole. I understand my insurance may not do this, but I think there is a solid legal argument that the at-fault driver should make up the difference to get me back where I was in a separate suit.

I got a $7000+ bill from my provider. I checked with my insurance and they said they used two different codes for my procedure & surgery, only one code was accepted & they paid for.

the first code seems to be correct but there are two others I have no idea what they mean.

(Diagnosis Code D259)

(Diagnosis Code N946)

They couldn’t tell me which codes would be accepted but they said to reach out to the provider and tell them the different code would need to be changed for them to pay for the remainder.

How easy is it to get hospitals to change billing codes?? Do I just call and tell them to change it So insurance pays? Anyone have insight on what I should do?