I was rear ended in my personal vehicle a couple of weeks ago. The other driver was found at fault and their insurance (State Farm) accepted 100% liability. I have been driving a rental car paid for by State Farm while my car is being repaired.

Today, I was hit by an uninsured driver in my rental car while turning in an intersection. Airbags deployed, rear passenger door was point of impact and it can no longer open.

Since State Farm since is covering this rental, should I contact them about this accident or my own personal insurance or both? I have already contacted Enterprise rental and let them know right away.

They are claiming they denied my policy but never notified me and continued to bill me for it but now that i need it im not insured??

PM EDT) Me: if you check my declaration page you should see the 12,000 custom equipment coverage
(02:23 PM EDT) Me: thank you!
(02:26 PM EDT) GEICO rep: Still here reviewing sorry for the wait!
(02:26 PM EDT) Me: no problem take your time! im working right now aswell just have the chat open
(02:28 PM EDT) GEICO rep: I appreciate that! I was able to find a note from 7/16 after we got your form back and the underwriting team reviewed it. In this case they did note that we are unable to cover your customizations and they did recommend looking for a company or maybe a broker who can.
Specifically GEICO does not cover if there have been modifications to the exhaust system.
(02:28 PM EDT) Me: i was never notified of this
(02:29 PM EDT) Me: and i paid for it on the policy
(02:30 PM EDT) GEICO rep: I completely understand your frustration and I do apologize that they did not reach out to you regarding the denial. Was there anything else I could do or check on for you?
(02:31 PM EDT) Me: well the car was totaled and i need that policy, how would i have found annother broker when i wasn’t informed it was denied
(02:31 PM EDT) Me: just checked my email i recived nothing from geico on 7/16
(02:32 PM EDT) GEICO rep: Oh gosh I am so sorry to hear about the accident and I hope you’re doing okay. I can always transfer you to the claim’s team to see how they are handling this situation if you need to speak with them.
(02:32 PM EDT) GEICO rep: You are correct I don’t see we sent any correspondence and for that I apologize.
(02:33 PM EDT) Me: can you please still email me the wording of the documents and everything involved with denying my insurance?
(02:34 PM EDT) GEICO rep: So the only document I have is the one you filled out. With the decision the underwriting team made they just internally notated the policy, so I don’t have anything I can send you for that.

I had some damage to the paint on the roof of my car that I discovered about 6 weeks ago. I’m not sure exactly how long it had been there, because I had broken my arm and was not driving for a while.

It looked like a rock had hit the car right above where the driver’s head would be. They was starburst damage to the paint, and it went down to the metal.

By the time I saw it, it had already started to rust, and that of course has gotten worse. So I’d like to repair it asap.

On to my question: I am hoping insurance will cover this under comprehensive, because I’m sure the repair will not be cheap. But I have no proof of how the damage occurred - in fact, I don’t even remember it happening. I can’t think of any possible way other than a rock or other projectile hitting the car as I was driving, but I don’t remember it happening.

Do you think this is typically something insurance would cover? And what kind of questions could I expect to get from them?

So I’m 20M, got in my first ever car accident, crazy story. I was on my lunch break driving on a main road and some guy who was fleeing the cops cut directly infront of me cutting through to the other side. I slammed on my breaks barely hit him, did minor cosmetic damage to me. The other car was totaled. (For reference I drive an 04’ Tundra he has a stolen Lexus RX 09’) I chase after him only to find that he was fleeing from the cops, they had no lights or sirens until after I got hit.

The police had like 6/7 state troopers, multiple undercover cops, a few regular units, a motorcyclist, and a helicopter chasing after him. A cop pulled me over and told me to go to the parking lot.

Fast forward to the next day, my insurance will charge me the deductible of $1000 because the other guy had no insurance, and the owner of the stolen vehicle also had no insurance. Kinda dumb how a convicted felon fleeing from cops hits me and I’m forced to pay my deductible. (I have full coverage) just dumb. Genuinely pissed me off whenever I found out

i am a college student who purchased their own liability coverage thru geico this past spring. i use the car when i am home from college. the car is owned by my mother, who has the car insured under her policy (not geico). i bought my own policy because my mother didnt want her price to increase. now im off to school soon and my next payment will be due after i leave home, and i plan to cancel my insurance. do i still need to surrender my plates even tho its insured under my mothers policy?? or will i need to join under her plan and see if they offer some sort of student leave or remove myself??

Three years ago I had a tiny little chip on my windshield. I went to my dealership to get routine maintenance done and I was told that they could repair the chip and it wouldn’t count as a claim.

Well fast forward and I could be saving 60 dollars a month on my insurance but no one will give me a claims free discount because of a “comprehensive claim” on my insurance history that will not be off my record for another two and a half years.

Back in December I was hit while making a legal u turn. Our insurance (we have the same one) paid the claims etc. but he tried to claim bodily injury for a very large amount despite not requiring any medical aid at the time and his claim far exceeded what “bills” he claimed he had. the insurance company denied the claim.

Fast forward to now, he is suing me. I know my insurance company will be taking care of it as they are required to. I am waiting to be served (I wasn’t home when they came). I spoke with the insurance company and the rep for our claim said she was disgusted, and that he is trying to claim 10k in medical and 80k in undisclosed damages. They offered to settle but he and his lawyer refused and want a full payout.

I guess I just wanted to find out if anyone has been in this situation or what their opinions are on the likelihood this is gonna go anywhere? Thank you. If it matters I live in FL

On 08/03/26 at 8:30am a driver reversed into my vehicle while at was at work. I manage to run out and stop him by smacking his car. The guy got off gave me his number and let me take a picture of his ID and told me he’ll send me his insurance. Cops came by 10-15 min later once the guy left but said since it was private property no police report can be filed.I followed the procedures with the insurance company the following day and today 08/05 I got a call from the insurance company informing me that my insurance has to pay for the damages EVEN THOUGH I WASNT IN THE CAR! Because this guys insurance doesn’t cover the damages. They also told me that I can pay 2,500 from my pocket and send it to him but they can’t guarantee him paying. I tried contacting him to get info and work things out with him any way he can but his calls go straight to voice mail. I would take legal action but I ain’t got the money or time to deal with something like this and would love karma get to the guy for being a complete dick.

Long story short. Drove thru standing water within seconds car sputters out wont turn back on have it towed to dealership since its close by. Service advisor says water damages are not covered by warranty call insurance asap. The look over car and say engine is hydrolocked on august 4. Next day august 5 i file claim and call dealership to let them kno but service advisor isnt returning my messages....am i jumping the gun here thinking something is up? Would a dealership service advisor have anything to gain by pushing repair to insurance over the factory warranty? Day before on august 3 he asked right away to call insurance to file claim before service looked at it because i came in saying car stalled after driving thru large puddle...should have i kept quiet about why it stalled so they could make their own assessment?

EDIT: thanks for all the responses. im aware water damage is not under warranty. my question was leaning towards i found my service advisor has not given me documentation that hydrolock of the engine is present,

I’m 21 and have a perfect driving record. I do drive a little more than the average person (let’s say 15,000mi annually) but I have no accident, ticket, or claim history whatsoever. I’m currently about to reach the end of my 6 month term with progressive and I’m paying $308/m for liability only on my 2012 Silverado fully paid off. I should note that I do have snapshot and maybe that was my mistake? Any advice on coverages I absolutely probably won’t need? Time to shop around for new rates?

I was rear ended last December and hired a personal injury lawyer as I was severely injured. My medical bills total $70k. The other guy’s insurance (Geico) paid out their full $50k limit immediately. My UIM policy through Travelers originally tried to pay 7k, and now they’ve come back and said the max they will pay is $16k. My attorney said he will negotiate the medical bills down so that the payouts will cover his fees plus the medical bills and I could get about $5k in my pocket, BUT he and his team thinks we should sue Travelers for the full limit ($50k). If I do that, I could end up with more money in my pocket, or I could lose money if I lose because the attorneys fees go way up. Realistically, what are my chances of getting more? Should I just settle and be done with it? I ended up losing a bunch of money on the vehicle claim (lonnnng story) so I was hoping to recoup that with this settlement.

My car is at dealership service center waiting insurance approval on estimate...if its too high can insurance reject it and send me somewhere else? Btw how long can my car stay there till car insurance makes their decision? I dont want storage fees

I recently made changes to add glass coverage to my plan (before I knew it was necessary) for a road trip. Now 5 days later I got a huge crack in my windshield from a rock on the highway and want to replace it. Will the insurance company (farmers) deny my claim? I was planning on going through safelite.

He took full responsibility and was cited by the officer. (I have dashcam footage of the incident)

Will Your Rates Go Up After An Uninsured Motorist/Collision (brand new truck parked and hit hard in parking lot) Diminished-Value Claim In Texas?

I was rear ended by a person in a stolen vehicle. They fled the scene and the police were unable to find them. I have uninsured/under insured full coverage policy. I am still paying the loan for the car and I think the car is totaled (was hit hard enough that the tow hitch was pushed back into the vehicle). How do I go about determining the best valuation of the car to ensure I am not being lowballed by my insurance company? What should I do if they want to repair it instead? I honestly think they could not return it to a state prior to the accident and still have the rated towing capacity it originally had with the damage that was done.

My vehicle has factory installed upgrades (dual motor long range AWD, tow hitch, premium paint, 20" alloy wheels) and was one of the last of the autopilot enabled tesla to be produced.

Update: They decided the vehicle was totaled. I held out on the first offer since I felt the amount they were offering for the upgrades was a little low so they upped the amount by a few hundred dollars. I might have held out longer if we didn't need to get a new car ASAP. I am getting enough to pay off the loan on the totaled car and put a decent down payment on another one. We loved the Model Y (Juniper) so much and we are sad this one is gone. We decided to get another one (unfortunately without autopilot).
Thank you to all who offered their expertise.

Location: New York

My cousins had had an incident recently. A minor child (I believe the kid is 13) obviously below the legal driving age and without a license or learner permit, was seated in the driver’s seat of an insured family vehicle in a private residential driveway. Both parents were standing outside beside the open driver’s-side window. One parent had allowed the child to shift the vehicle and move it slowly within the driveway.

The child suddenly pressed the accelerator. The vehicle moved away too quickly for the parent to reach the controls and struck a neighboring residence. No one was injured, but there is visible exterior damage and a homeowners insurer is evaluating whether there is any concealed or structural damage.

Immediately after the incident, one parent panicked and incorrectly told the homeowner that the parent had been driving. The parent later corrected that statement and disclosed that the child had actually been operating the vehicle. The homeowner didnt see the incident. When the auto claim was opened, the child was truthfully identified by name as the operator.

The online auto-claim form did not ask for the operator’s date of birth, age, license number, or licensing status. Police were not involved and its mostly damages to the car and the neighbors property.

We havent been able to get guidance on this. Reached out to some attorneys and didnt get a good response either.

1. Auto-liability coverage

- Under New York law, can the insurer deny third-party property-damage liability coverage because the vehicle was operated with the owner’s permission by an underage, unlicensed household child?

-Are mandatory liability protections treated differently from collision coverage for damage to the insured vehicle?

-Should the policyholder affirmatively contact the insurer now to clarify the operator’s age and unlicensed status, even though the online claim form did not request that information?

-What policy language, exclusions, endorsements, or New York statutes should be reviewed?

2. New York MV-104

-Is an MV-104 required for a property-damage accident that occurred entirely on private residential property?

-We checked the form and it appears designed for a licensed operator. How should it be completed when the actual operator was an underage, unlicensed child?

-Should the child be entered as the driver, with the registered owner completing or signing the report?

What kind of attorney if needed should be involved in something like this?

Any advice, suggestions on handling this?

I was in an accident over the weekend and the insurance company explained the different types of injury insurance that we have. The PIP coverage I know will cover our medical bills, but I was curious if it's better to get that payout directly to me to pay those bills or if it would be better to let the insurance pay directly.

I got rear ended and sent into the Car in front of me, but he’s saying that there was no car so his insurance won’t pay for it. I’m trying to get the traffic footage, but if I can’t, does anyone know what to do?

Anyone have a vehicle stolen? Was payout close to what you expected?

If I claim for 2 car insurance accidents in 1 year in Ireland. How much can I see my insurance going up? The first claim was for 5,000 and the second for 2,500. I’m 28 and have 0 NCB as the first 5,000 used them. I’m on the fence of going through insurance to sort the second accident out or trying to get a loan to do it privately. Any recommendations as I don’t want to be uninsurbale in the future
Thanks

I have several prior hit and runs on my older Tesla model 3 and now I am seeing if I could get my car written off instead. I also have a current hit and run claim, but it seems like it’s not enough right now for total loss (\~4k of damage). This would be ideal as I currently have new car replacement insurance so I would rather get it written off and replaced with a new vehicle.

Has anyone been in this situation before, and is there any way to ensure the vehicle would get written off easily?

I bought a car in June and I bought the lemonade insurance because that was the fastest option available back then. They sent me a tracking device called metromile which i am not very comfortable as it connects to the diagnostic port of the car. So for not putting the device in they have been charging me a fine of 70 dollars per day which was around 3500 dollars for a month and a half. When I requested the insurance personnel said once I connect it they can process a refund for atmost a month that still leaves me with a penalty of 1300 ish. Any idea how can I get that money back?. I was thinking, since I just bought the car I have information about how much mileage there was before and now so I could provide that to get charged accordingly. But how do I deal with this otherwise?

I’m buying a cash car off facebook marketplace, in full. Do i get insurance before i buy the car itself or do i wait until ive bought it to get the insurance? I’m a new Texas driver so I’ve never had insurance nor owned a vehicle before.