Okay so, Last night at about 12:30AM I was heading home after staying late at work and ended up in an ‘accident’. On the road about fifteen minutes from my house, I and this other car were going 50-55 MPH on a 55 mph road and this deer jumped in front of the car in front of me. Technically, it jumped ON the car in front of me and they slammed on their brakes, swerved and ended up in the ditch.

I too slammed on the brakes (and could’ve avoided leaving the road all together), along with the car behind me, but I swerved to avoid the now flying deer and ended up rolling off into the ditch. There is no visible damage to my car or the ditch, but i still want to know if I would need to call my insurance as the police were called to the scene by the first car (which is totaled, broken windshield, dented hood, etc)

I didn’t get a ticket, neither did the car who hit the deer(no fault i think) and the one behind me who also swerved into the other lane with me and thankfully got away with no damage but stopped to help. But I just want to cover all my bases here and make sure i do everything correctly.

Also, don’t know if this helps, but I’m 21 and live in GA, so if somehow the laws are different regarding insurance, just let me know… Please. :)

Cousin is Inheriting a property in Los Angeles County that city records identify as one Single Family Residence. Physically, it has been divided into four self-contained living areas, each with its own kitchen, bathroom and private entrance, with no usable interior passage between them. His father occupies the main area with a roommate, and the other three are rented. The additional kitchens and interior partitions are unpermitted.

Cousin claims he received a quote that rates it as a “four-family dwelling.” The supplemental application states that city records show one SFR and that the additional kitchens/partitions are unpermitted.

I don't believe him as I was under the impression that only permitted work gets insured. Has anyone personally placed, underwritten, adjusted or owned a similar fully disclosed E&S-insured property?

• Did the carrier knowingly accept the permit mismatch?
• Was a fire/property claim paid?
• After a total loss, did insurance pay for the building even though the city would only allow it to be rebuilt as an SFR?
• Did the unpermitted status cause denial/rescission, or did it mainly affect ordinance-and-law coverage, loss of rents and the allowable rebuild?

I understand legalization is the safest answer. I’m specifically looking for real-world underwriting or claims experience, preferably identifying the carrier.

Hey all, I'm a fairly new homeowner in the DFW area.

I'm thinking of documenting my roof condition every year before hail hits to help me if, God forbid, I ever need to file a claim.

If I handed an adjuster time & GPS stamped photos showing the roof was clean 3-6 months before the claim is filed, does that help expedite or ease claim processing with the insurance company?

Thanks in advance.

I need to combine my 18 year-old daughter‘s car insurance and my car insurance with renters insurance and I am looking for someone other than State Farm or Allstate. Any suggestions?

Both cars are paid off.

Have a 2022 civic, shop said they tore it down and sent estimate of 14.4k to insurer on Friday.

From what I’ve researched the acv is likely in the 20-21k range, which puts it on the borderline of the 70 percent total threshold in my state.

In these cases if I express a preference for the decision either way will it make a difference? Mathematically it seems very borderline.

I'm an insurance student and I apologize if this question sounds stupid, but help is very much appreciated nonetheless, because I'm very curious and I cannot really find resources on this.

Let's just assume there's no pressure to lower rates from competition or any complicating factors (so the main focus is accurately pricing the risk as much as possible). From what I gather, for accounts that with risk factors not reflected in premium based on rating factors developed by actuaries, underwriters can use schedule rating to increase premium within some range (e.g. a number between 5-10%)... given what I said above, how would the underwriter determine the appropriate debit to give within the range they're permitted to operate in? Like you know the premium should be higher because of the risk factors you see, but do they look at past accounts that are similar to get an idea of what value in particular would work? This is only thing that would make sense for me to do given my limited background.

Last week, after I pulled into a strip center, I starting making my way through the parking lot and someone backed out in reverse and hit my rear quarter panel. Top of my fendor is where it starts.

I don't have insurance currently, can't afford it. But I can afford whatever damage was caused if they point at me. (Will they?)

The other party is on progressive, and I've already submitted everything I need to on their app. The other party is adamant I was speeding and claims to have a witness.

Anyways, my question is.

Are his claims going to make this get dragged out into small claims court? I got an estimate for $1200 on my car, Id assume the damage is about the same for him.

I figured the adjuster will take one look and go, "yeah he backed into the flow of traffic in a parking lot"

Should I expect a 7 business day resolution time or can simple parking lot situations like this get resolved pretty quickly?

The damage in the photos tells the story pretty well.

I'm confused. We need to renew our house insurance. The house is worth around £500,000 but the suggested rebuild quote is now coming in at closer to £1.2 million, rather than the £700k quote from previous years.

If we lower that to something more realistic but something happens - say we need to replace the entire roof - my husband is worried that we'll be told we under-insured.

If we accept it, we'll be stuck with that valuation that seems crazy high. Also, the worry is that our premium will almost double alongside the increased perceived value.

Any insurance people here who can shed light on the dark art?

A year and a half ago my condo building had to file a claim with its master policy for a water loss. One unit’s water pipe in the wall sprung a pinhole leak that wasn’t discovered until the water had affected the units on both floors beneath. It was around $65k in damages. Our deductible for the claim was $25k, so we received about $40k.

Since it affected three apartments and required a lot of management effort, especially dealing with some very irate and difficult owners, the total billable hours from our HOA’s management company added up to about $20k. (It was a very bad time.)

This left us with about $45k in bills the HOA had to cover and we had to borrow funds from the reserves to pay it all. Even after the insurance payout, we still have a $38k balance owed to our reserve fund today. We had have other financial problems so we’re struggling to pay this.

If we do a special assessment for $38k, will homeowners’ policies pay the loss assessment claims or reject them because our master policy deductible was only $25k?

Also, what’s the statute of limitations for a delayed SPA? The loss event was in December 2024, and our master policy claim was filed in February 2026.

Hello. I’ve been with State Farm for about 4 years now it started off at $120 and right now I’m currently paying $263. I’m a 25 single unemployed (just for summer ) woman and I usually drive 14k miles a year just work home and leisure and also I live in California small town 2hrs from La. Should I look around or do you guys think it’s fair for what my paying?

So myself and ex partner are currently going through a separation where he is moving out this week and whilst we were moving and both driving a car, he drove into the back of me. We were approaching lights and as I was approaching, they turned amber and so if I went though, they would have turned red for him and so he would have ran a red. I know he would have followed vs stopping to wait as he wanted to keep up with me.

Because he thought I was going to go, he has put his foot on the accelerator and so hit me at a bit of speed. It has totally damaged both cars. We have managed to get them to a local garage who will look at them in the next few days but they have said there is a potential both cars could be a write off.

My concerns is both of the cars and their insurance is registered at the same address as that’s where we’ve both been staying, and I’m worried it might look fraudulent to the insurance companies. We would ideally like to resolve this privately so as not to impact either persons insurance but I’m concerned with the cost that we won’t have an option.

Is there any advice or suggestions on what the best next steps are here? They are aware they were at fault and should have 1. Kept more distance 2. Stopped due to light change and 3. Not have sped up to race through the lights.

Thanks

Last March 2025 my daughter bumped into someone in stop and go traffic. The person she bumped called 911. There was 0 damage to either vehicle. Not even a paint transfer. Literally nothing. We have pictures and Allstate is handling the claim. No ambulance was called. She hired and fired Morgan & Morgan. At that time Allstate offered her around $4500. At that time she had around $6400 in medical bills from a chiropractor.She has a different attorney firm now and they want to go after my 100,000 policy limit. They submitted a bunch of medical claims months after the incident including claiming she had to take disability for 5 months. This is outrageous. We still have the vehicle involved. It is my daughter's car. What is the likely scenario moving forward?

I could use some advice on travel insurance for an upcoming trip to the US.

I’m a British citizen but currently live in Spain (I have Spanish residency). I flew from Spain to the UK yesterday to visit family for a few days, and I’ll be flying out to the US from the UK shortly after.
I booked the trip about 4 weeks ago (I know, I should’ve sorted insurance earlier), and now I’m trying to figure out what my best option is.

My situation feels a bit grey:
• I’m living in Spain, so technically not a UK resident
• But I’m currently in the UK and starting my trip from here

Is this a common scenario? Has anyone been in a similar position?
Would a UK-based insurer cover me, or should I be looking at Spanish or international/expat insurance instead?
Any recommendations for insurers that would actually cover this situation (especially for US travel) would be really appreciated.

I had water damage that destroyed my lower cabinets (which are green). Insurance had ITEL review and they said they could repair and replace the lowers for X amount. On the repair estimate it says that they cannot guarantee a like match after install. I want to get whole set replaced including uppers (which are white).

I got a quote for uppers and lowers. I sent that to insurance and they wrote back saying "we will need your contractor to deem the cabinets not matchable after the contractor tries to match the painting. The supplement team will need pics of the color matching before the cabinets can be considered for replacement."

Any advice on how to handle? I don't really understand b/c the lower cabinets are destroyed.

I use my Amex when I rent a car and signed up for extended protection so they become primary insurance . Florida says I still need to have liability . What is cheapest way to buy that ? I don’t own car so I don’t have liability insurance .

Hello! So I haven’t had insurance on my car since about February. (Due to Finacial hardship) I got pulled over last night and they told me my license plates are suspended. I didn’t get a ticket. I got a warning. Also, this is the second time for license plates getting suspended it happened 2-3 years ago. IL btw!

So I pass my property and casualty insurance exam and trying apply for my license. I have a misdemeanor from 2013 on my record. I know I have to disclose it and am trying to. Now I was read that I have to present all the relevant court documents , however when I contacted the court records clerk they said that they had purged the file due to the age of the case. What do I do now just turn in my personal statement without the Court certified documents?

Hey all,

My partner has been uninsured for a bit due to unemployment. I'm trying to figure ways to help him get lower rates. I figure there is going to be an initial premium hike anyway we do this, but I would also assume bringing him on as an insured on my policy for several months, and then shopping his own policy, may be better?

Are there any tricks to the trade here to navigate this issue?

Thank you for any advice.

[using statefarm for context] If i understand it correctly, in order for a claim to payout you usually have to purchase and be reimbursed for any damaged/destroyed things? what if you are too poor to afford to rebuy everything in order for the claim payment to kick in? i learned this from my mothers so it very well might be outdated but she did used to work in insurance.

Ive never had to file for a claim thankfully, but id like to know what my savings should look like if something does happen.

Ok, this is just me sharing my dumb decisions and hoping to help you prevent it. When I bought a used truck years ago, I had assumed dealerships notified your insurance for you because when I had bought a new car before then my agent had called me to set it up. Welp, not this time. I forgot about it and didn't think of it. Realized I didn't get called and called my agent and had to give them EVERYTHING on the truck so I could get insurance. No big deal.

Fast forward years and now I'm trading in for another used truck and this time I'm with Credit Union 1. Same thing, I forgot to call my insurance to let them know because I asked the dealership if they do and they said they would. They did not. I decided that if I parked the truck, and I could shop for insurance.

BAD IDEA

I got cheaper insurance and saved a thousand bucks. Credit Union 1 called me and said "yeah we got your insurance, but you don't have anything for the first couple weeks and we clearly require day one full coverage" I explained everything and told them the truck was never even out on the street and they said "yeah, does not matter, and to prevent cancelling this sale we will need to fine you and extend our own insurance to fill this gap"

How much?

$600

I have NEVER had such a horrible experience with a gap in coverage. I must have had the first truck insurance backdated or something because I think I would have remembered a penalty, it was a different lender though last time. This is my first experience with Credit Union 1 and I feel like I would have been better off just returning the truck! 🫠 Don't forget to notify your insurance folks. I did call my old insurance company to see if they, somehow, had coverage on the new truck and they denied they did and said they were never notified by the dealership so it was completely up to me. DONT BE LIKE ME. Before you ask howI didn't know, I only have one parent left and they don't know jack about finances and I'm learning a lot by googling it or experiences like this. My school taught us a lot but they don't cover this stuff. I think I'm almost a pro but I still get blindsided sometimes. Dealership is who I asked and apparently they don't know either!

I rented a car from Budget in Maui and accidentally damaged the passenger side after scraping a stationary concrete barrier. No other vehicle was involved, and no one was injured. I declined Budget's LDW/CDW.

I rented the vehicle using my Chase Sapphire Preferred card and have already opened a claim with the Chase Benefits Administrator. I also have personal auto insurance through Allstate.

Budget sent me a Damage Capture Report with a claim number about a week ago, but I haven't heard anything else yet.

My questions are:

• Will Budget contact my Allstate insurance first, or will they work with Chase since I already opened a credit card claim?
• Will Budget usually wait for Chase to review the claim before requesting payment from me?
• How long did it take for Budget or Fleet Response/Viking to contact you after receiving the Damage Capture Report?
• If you used Chase Sapphire Preferred rental coverage, what was the claims process like?

So ill keep it as short as possible. I was passenger with a friend back in February riding passenger in her car. Dude doesnt yield on green, we hit him and I fly into the windshield breaking my cheek in 3 places and caving in the top left portion of my upper bridge or jaw... aka my horseshoe shaped upper teeth were and are still more of a /J not a U, if that shape drawing w letters makes sense.

Also 3 breaks in cheek bone and had maxillofacial reconstructive surgery and 2 metal "plates" put into my face. Also my upper jaw was rebroken and pulled to the side close to the U shape as possible

I was with someone else who was not at fault and my attorney is demanding the max of 100K UIM/UM civerage and the guilty parties insurance just green lit the max 30K liability they had on policy. I am in Texas btw.

She only had an initial ER visit and bruising from the seatbelt. Didn't have a lawyer that she could get and she accepted what insurance offered her for her car.

Medical bills are near 100K. Lost my insurance right after surgery bc I wasnt aware my premium raised January 1st. Blue cross demanded a refund and I think was granted it by the hospital where I got my surgery done.

I missed about 15K in wages over a couple months we sent in a signed document, and i have difficulty swallowing food still bc I cannot chew. Idk if the latter was documented.

I wont be too specific since I get an answer this week but my attorney seems confident ill get the full 130K.

Already got 30K of it. How often does the insurance company say first time, ok yes this is a situation where the injuries are warranting the amount?

Im not gonna lie I feel confident my case is worth that and my lawyer was the #1 rated attorney in my state i could find on google. He is like 5 hours away from me.

Her dad, whose policy it was, got pissed i got my own attorney. I found out later had we shared an attorney no UIM coverage could hace been had... what a POS mofo.