Hello. On Saturday I was driving to pick up a friend when suddenly the battery in my trunk caught fire. Called my agent from State Farm and he is heavily suggesting that I don't file a claim because this is considered "mechanical" and should instead be covered by warranty. I'm on the hook roughly for $15,000 which is the remaining balance I owe on the vehicle which I imagine is totaled. Mind you, this is a used vehicle with no factory warranty left. Advice? Really don't know what to do.

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.

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

so i got into a pretty major wreck on the highway where traffic came to a complete stop and i was rear ended in my suv by a sedan going est speed of 68 mph. i was not taken by an ambulance but i got evaluated at the er the same day and was told i likely had a concussion as well as global amnesia surrounding the events of the accident. im following up with my primary regarding the possibility of a mTBI to see whether or not ill need to be referred to a specialist since i cant remember anything after the impact or how i even got on the shoulder for that matter. i also told the fire fighters who arrived on seen that i believed that i was okay physically but that i wasnt sure and wrote in my statement "i am not injured at this time to my current knowledge" verbatim, which im paranoid about. ive given statements to both the bodily injury adjuster and the claims adjusted but they both haven't been able to reach the other party yet. im 19 and know absolutely nothing about insurance or the right way to go about this, so i need all the advice i can possibly get please!!

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.

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?

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?

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.

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!

My husband and I are day dreaming about what homes we could own in Bay Area of Houston if not for the wild variability in insurance. We found this fixer upper on an absolutely stunning lot in an incredibly unique neighborhood. Surprisingly the NFIP quote is around $2500 which is cheaper than many houses in Zone X in the area in the middle of indiscriminate suburban sprawl.

I doubt you could transfer policies because this is an estate sale.

Insurance professionals, would you play the long on game on this one? Pros and cons? Things to consider? We plan to stay for at least 10 years.

Possibly a bad decision, but if we risk flooding no matter where we are in the area, we might as well enjoy it right?

https://redf.in/ngE5fB

I had a day procedure (2 hr, in the approved list under the insurer) and the hospital entered it as 24 hour admission and New India Assurance company rejected that. Can I apply through another hospital correctly as day procedure and claim my insurance

Looking for a reality check from anyone who has dealt with similar situations. I’ll try to keep this focused on the facts.

My property is an older home in Ohio with a detached garage, and suffered a hail storm in April. The original RCV is around $18,000.

The main house roof was replaced without major issues. Received initial ACV and depreciation was released upon completion.

The garage roof has a low slope section. The original adjuster’s estimate scoped standard 3-tab shingles for the entire garage roof. When my contractor came out to install it, they found standard shingles could not be properly installed and the roof has a different type of shingle rated for low sloped roofs. My contractor submitted a supplement for the correct materials, but insurance denied it saying that the roof “wear and tear from age” rather than storm damage. But they already scoped the shingle replacement?

ITEL report confirmed that my existing vinyl siding is discontinued and no matching replacement is available. The report doesn’t even have a “closest match” listed. My contractor requested full replacement for reasonably comparable appearance per Ohio admin code. Insurance denied the supplement citing “natural stopping points” and “only damaged portion”. They are currently only covering one elevation.

My claim has had multiple process issues. My original adjuster left the company without notification, and supplements went unanswered for a month until I called and asked what was going on.

My new adjuster ordered a second inspection. The fill in inspector spent approximately 5 minutes at the property and told me and my contractor that my insurance will only cover siding damage on other elevations if it’s “knee high”. We pointed out multiple sections where there were dings and cracks and the adjuster took pictures. He was unprofessional, and told me that he felt like my assigned adjuster was just offloading work and he is putting my claim right back on his plate.

The initial supplement denials were verbal only, and the adjuster is difficult to understand. I needed to specifically request written denials.

I have multiple specific written requests to this adjuster that have been ignored or given brief responses that don’t address the actual question.

At this point, I’m frustrated with both insurance and my contractor. My contractor is pushing me towards appraisal and says that based on their experience with my insurance company, this is the best route for me to take. On the other hand, I feel that my contractors supplement requests were quite weak, and some communication was delayed. I picked this company because they had good reviews and are supposed to be good dealing with insurance. The person I’m working with at this company is very young, and I’m new to this whole process too.

To add to this, since they couldn’t install the original scoped material on the garage roof, there is more leftover material than usual. The leftover material has been left on my yard for months after following up with my contractor a few times to get rid of it. It’s not biggest deal to me with everything else going on, but it does make me question how this company has handled the rest of my claim.

I’m of the mind to go through with appraisal as I’ve heard good things. I’ve been dealing with this for 4+ months and honestly getting exhausted.

Its a 2012 honda accord coupe some crackhead lady tried to turn into her drive way while i was in the right lane i slammed on the breaks (it was a residential neighborhood, i was going 27 at most) the insurance said it wasnt my fault but im afraid my car will be deemed a total loss there doesnt look to be any frame damage and the impact bar looks fine, the tow truck driver said it looks like a low speed low impact accident. Please let me know if you think this car is done with. By the way i bought it 2 days ago for 11k 10k market(allstate is my insurance company)

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

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.

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?

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?

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

Hi all - I’m currently on my parents car insurance and moving states. This sub says my dad needs to sign a car over to me, file a Form 709 Gift Tax, and then I get car insurance in my own name. What if instead of giving me the whole car, my dad just adds me to the title (so we are both on the title). This will avoid my needing a Form 709. Can I then get insurance in my name or will it be more difficult with him on the title? Will insurance be more expensive or less with him on the title? Or, if it’s the two of us, can I stay under his car insurance while living out of state? Thanks!

Hey folks

So I always been told by my parents that insurance follows the car and not the driver so I haven’t been on my partners car insurance despite driving the car regularly. I don’t think I was on my parent’s insurance either. Last night I figured out I should definitely be added as a second driver so I’ll be doing that in the next day or two. I am M29 and have had my license for ten years with a clean record but no insurance history. I also have excellent credit and live in NJ. My partner is F35 and has had her own insurance for a while now. Should we expect our insurance to go up a lot when I’m added to the policy? I’m assuming insurers place more weight on a clean insurance claim record than a clean driving record?

Thanks!

So my cat has had a tummy issue before I changed insurance, he was prone to regurgitating his food and some grass, that fixed over time and he went back to normal. I didn't put it on his known illness when changing insurance as he wasn't diagnosed with anything and it was likely due to him eating too quickly. He's now been having chronic diarrhoea with blood and a loss of appetite for almost a week. He's booked in to have tests and scans and I'm worried the insurance won't accept it as I didn't tell them about him having a tummy issue before

California first-offense cell phone citation (VC 23123(a)) — zero DMV points per VC 12810.3. Does this affect insurance rating or Good Driver Discount status (CA Ins. Code 1861.025) in practice, or is it purely non-chargeable since no point is generated? Any actual underwriters know how this plays out in practice?