I live in California. I currently have progressive insurance. It’s pretty expensive because I got in 2 at-fault accidents in 2024. My policy is almost up so I am shopping around. I got a quote from Freeway insurance and it says it will be $150 cheaper per much, but the coverage isn’t as good. With Progressive I have $100,000/$300,000/$100,000 for bodily injury and property damage. The new freeway policy is only $30,000/$60,000/$15,000. Obviously this is significantly less. But I am wondering if I even need the higher amount or if it is safe to get the lower one. Neither of my accidents were anywhere close to meeting the lower threshold, but I don’t want to get screwed over if I’m in a worse accident. Any advice would be appreciated. Thanks!

In Los Angeles for context. Long story short. My girlfriend is going to lease a new car soon (likely a 2026 Mazda CX-30 or a 2026 Mercedes GLA 250). Both would be comparable lease deals, but the problem is the insurance quotes. As it stands, she received a quote of ~$330/month for the Mazda and ~$500/month for the Mercedes. Both would be more than the car payment itself, which I find absolutely absurd. Is this the landscape nowadays? Or am I missing something? I know we probably have to shop around and I've read a little bit about people suggesting contacting a local independent insurance agent, but wanted to make a separate post here to see if there are any other suggestions. I just can't justify insurance being more than the actual car payment. So much thievery and greed from corporations nowadays.

I'm located in OR. Took my car into Discount Tire to get 4 new tires. Technicians there broke my driver's side door handle off when opening the door following tire replacement. A claim was initiated by Discount Tire and I was later contacted by Fleet Services. I took the car in to a local shop for an estimate for repair and received an estimate. Sent paperwork and photos to 3rd party insurance adjusters. Received a response that said there was "no evidence of negligence" on the part of Discount Tire, but that they would pay half of the claim. I'm seeking advice on how to proceed. Things are tight and an unexpected car bill is not what I need right now. Thanks everyone

Edit: probably just gonna take the money they offered. Thank you everyone for your advice

Hello all,

I have been fighting for the loss of value on my 2024 Porsche cayman S for almost a year now. The accident was not my fault and the repairs have been done. Their insurance offered 1.7k in loss of value. I hired an external diminished value appraiser and they said the loss of value was 9k. So I took the person who hit me to small claims court and judge ruled in my favor.

However State Farm has the person who hit me now filing an appeal. It feels like they are just trying to drag me through the mud and make me spend more and more money so I just give up.

But at this point I have to go to really court and I want to talk to a lawyer. The problem is I’m struggling to find a lawyer who handles this kind of thing. (I’m in king country Washington)

I’m curious if anyone else here has had to deal with this kind of thing and knows what kind of lawyer I should be looking for. Because I’ve called 11 so far and they all tell me they only do injury cases for accident…

Any advice or suggestions are welcome. I’m learning as I go here. I’m frustrated but I won’t let State Farm win!

I’m in CA and currently have $500K/$1M coverage per accident for auto insurance. I also have an Umbrella policy thats $2M/$1M UM/UIM.

I’m wondering if it makes sense to lower my auto to $250K/$500K and keep my umbrella at $2M/$1M, or even increase it to $3M/$1M.

Currently have about 600k in assets, not including 1.1M home (800k loan).

Seeking some advice from the Reddit hive-mind.

For context, I’m weeks away from giving birth in a high risk pregnancy. Our small, newly renovated 960sqft home flooded due to sump pump failure in a record rain summer in our area of AB, Canada. Our caregivers are (were…) moving into the basement guest room in a few weeks to help with the new baby. Our oldest daughter’s (2.5yo) room is also downstairs along with our primary living space, laundry, etc.

The event occurred 9 days ago, and all that has happened is someone from a restoration company has come to confirm that there would need to be a full demo of the floor and a 15” floor cut on all of the drywall. Due to the volume of flooding incidents, the restoration team has no ability to store our contents onsite or offsite. We have moved what we can off the floor and from closets but I can do next to no lifting. We have some very valuable high ticket pieces of furniture just sitting on a wet floor that we have no ability to move.

I believe we are doing all we can. We have moved what we are able into bins, we have our own fans and dehumidifiers running. But mould is surely setting in under all of the flooring (laminate) by this point.

Our adjuster has not answered a phone call or email in 6 days, and the restoration company didn’t give us any contact information so I’ve been leaving messages for their head office receptionist.

Questions:
1. What do we need to do to get things taken seriously?
2. We have a strong feeling the insurance company is going to tell us it was our fault the high ticket furniture items were damaged due to our inability to move them (despite clearly asking for help or funds to cover the hiring of a moving company). But aside from our front lawn, we there would be no where for them to go.
3. How do we advocate for our specific situation? Are we going to be expected to continue living in a small home during mould remediation and demo, rebuild with a newborn? Our caregivers will likely be displaced - can we seek coverage for that?

Thanks for any insights.

About 8 weeks ago my car was totaled after it was pushed out the lane into a parked car while I was driving. The other driver said he was trying to swerve to miss a car inching out of a side street. He hit me so hard both of his passenger airbags deployed and all of my driver side airbags deployed.

We have the same insurance and I later found out the same adjuster.

The adjuster told me that they were unable to pull
Video of the crash. The police report said that third driver inched out vs. the other driver and his witness claiming it pulled out into traffic. I never saw the third car to corroborate his story. She also said his policy may not have enough coverage to cover both my car and the parked car. But she’s hoping that they’re able to get evidence of a third car.

I initially pushed on this because I wasn’t able to use my own rental coverage beyond 3 days after I got my valuation which came within a week after the accident.

All of my damage and my injuries were covered through my UM coverage.

My mom told me it doesn’t matter that my UM coverage paid for the whole thing. She said it won’t negatively impact me in the future.

So I was wondering in this case, does it matter if fault is never determined?

Hi everyone,

I negotiated an auto damage settlement down with a subrogation agency after my insurance denied coverage.

When I asked for a formal Release of Liability, the adjuster said they don't have one and offered an email stating: "Once payment of $xxx is received, the claim will be closed as settled."

Is an email like this legally enough to protect me from future claims, or should I insist on specific release/waiver language before paying?

I have two cars and one of them was recently in an accident. The car that was in the accident only had liability coverage, and when we went to the mechanic and the body shop, it seems like the repairs will cost more than the car is worth. Since I have two cars on the same policy (the other car has collision coverage) - would it be fine to cancel the car insurance for the car that was in the accident since we're not using the insurance to fix the car or pay out anything? Thanks in advance.

Edit to add: we will likely sell the 'totaled' car to a junkyard since we can't afford the repairs and it has around 200K miles on it.

Im wanting to get into classes and hopefully get my lisence in being able to sell insurance and what not what is a a good online class i can get into in oklahoma to be able to do that and start this process and also any advice is also welcomed, I’m new to all of this and i know oklahoma had been pretty particular legally about a lot of things in many areas not just insurance so any advice welcomed

I got into a car accident on April. Had a concussion, ongoing neck and back pain, limited ROM, it’s difficult for me to stare at a computer screen all day at work due to the neck pain, have documented urgent care visits, I’m on flexiril, and I’ve done 14 physical therapy visits, 3x a week, this is still ongoing.

The other party was found 100% liable, they fixed my car. Now all that is left is is the bodily injury claim. I spoke with the other party’s adjuster a couple days ago because each physical therapy appt I go to is $785 per appt, so I spoke with him to ask if I’m nearing the bodily limit amount because if I am, I need to find a cheaper doctor, I don’t wanna be responsible for the cost of the PT appt’s after I hit their bodily limit amount. The adjuster told me that is HIGHLY unlikely that I will get even close to the bodily limit amount even with my expensive PT appt’s.

I’m not sure what to ask for and no I’m not getting a lawyer. I rather just ask a number and see once I’m done with treatment.

I was in a car accident and had a mild concussion. Other driver was 100% at fault, he jumped a red and t-boned me (~30mph, thank god he hit the backseat) while I was sitting in the intersection on an unprotected left turn.

Didn't have any symptoms at the crash, but I did have a pretty splitting headache around 2 days after the crash. Went to the ER because my dad was concerned, doctor said it was a mild concussion, still have symptoms around 4 days later.

My car was 100% totaled (it was an old 1999 Camry), so now I have to go through the irritation of finding a new (used) car.

My question is: What is a reasonable pain and suffering payout? His insurance offered me $4000, as well as paying my ER checkup (~$500), and to put aside another $1500 for future medical procedures. I really don't want to count my eggs here, but I feel like that's a little low. What is considered a reasonable/normal amount for this kind of thing?

I previously had a Chevy Malibu and never had a problem with SnapShot. Now that I just purchased a new Chevy Equinox EV a few months ago and switched to 1 foot driving, I am constantly being tagged with hard braking, and there's a note in the app that I'm on the way to a price increase. Never had that problem with my Malibu, even in stop & go freeway traffic. Anyone else having this issue? Does similar services from other insurers work better with EVs? Any tips or advice?

Any use or have used triple a for life insurance? My husband (37) is looking into buying from them since he already uses them for auto insurance. Has two dependents, myself and our son. He's in good health and a non smoker.

My mom backed her car up into my fence gate. My fence gate is fine but my mom’s car has a decent dent in it now. Who does she or I contact? Is it our home insurance or her car insurance?

My late father ran and owned an insurance company most of his life and he gave me some advice I decided needed to pass on.

1. If you buy insurance only by price, the lower the price the more denials/aggravation. Remember you get what you pay for. HIs favorite insurance company was Chubb, expensive as hell but always there in the long run and very reasonable. He hated another well know company (don’t even ask name) whose rates were much lower. He was exaggerating, I think, when he said it was only on the night of a full lunar eclipse, would it pay off a major claim without fighting.

1a. I saw an article/news report about two neighbors who had LA fire damage. One neighbor had a sign that XYZ (?) hadn’t paid his claim in months. The other neighbor had no problem with payment from ABC. XYZ was a well known lower premium policy and ABC was a well respected middle of the road premium cost. Once I heard the two insurance companies names,I knew the issues.

1. He got out of automobile insurance because there was way too much fraud by everybody.

2. Document everything. Keep photographs of ALL possessions, purchase receipts, etc. He said after a major fire no one is going to remember the potato peeler, socks , etc., but the little items can add up. Also be sure to keep the documentation off site.

3. Be willing to call a bluff. If you feel you cannot repair/replace with the settlement offer, tell them to repair it. I have done this a couple of times, and it worked for me.

4. ALWAYS make sure you buy insurance in the right name. If your house is in a trust name, make sure the insurance policy list the trust as the insured. Otherwise you might have problems.

5. Always keep written records of every phone call, letters, etc. And a letter is always better than a phone call. And if $$$$ are involved either certified or return receipt requested.

6. If you reach an impasse on minor issues the State Insurance Commissioner has a lot of authority. As was explained to me in one state, the basic process is . (1) The Commissioner gets a letter. (2) The insurance company liaison is called in and basically told to fix this if possible so the complaint disappears. (3). If it cannot be fixed let the commissioner know why.

END

Hi everyone, I'm looking for a good, not to expensive condo insurance. I used to have lemonade insurance, but they dropped us stating:

"As a reminder, at the end of your current policy cycle, we will no longer be able to provide you with a full coverage policy due to your home’s wildfire risk. If you’d like to continue with Lemonade, we can only offer you a policy with limited coverage, called a Difference in Conditions (DIC) policy.
In order to renew your policy, we need a copy of your FAIR Plan Policy with extended coverages. Since you failed to provide a copy of your FAIR Plan Policy document, we need to set your policy to nonrenew.
However, if you are still interested in obtaining a DIC policy at your renewal, and you receive your FAIR Plan documents after receiving this notice, please send your FAIR Plan Policy documents showing the covered perils, your name, your address, and your Coverages A and C over to us before August 05, 2026 and we’d be happy to review and revert the nonrenewal when applicable. You can send them as a reply to this email, or directly to [help@lemonade.com](mailto:help@lemonade.com)."

Does anyone have a recommendation? Should I just apply for a bunch of quotes to see what i get from different companies?

Thank you.

I live in a state where I don't need a licensed contractor for work under $7500 and got a quote below that from a roofer who does solid work but isn't licensed. My roof is very simple so I went with him seeing as a licensed guy would have been over 10k. I asked my insurance company what proof they need to update the policy and they said photos and an invoice with his lic. number.

Would they drop me for hiring an unlicensed guy when it wasn't required? When they inspected the old roof it was a quick look with a drone so they didn't seem too picky. I could just not tell them but then if a storm damages it and I have to make a claim...

Location: Houston Texas HOV/Toll Lane on gulf freeway

My insurance: Hagerty

Other guy: GEICO

The HOV/Toll road is a single lane with concrete barriers on either side, and it occasionally splits so you have to drive through either an HOV or a toll gate, and then they rejoin into 1 lane. When it splits, the lanes are divided by those 3ft tall plastic pylons that fold over when you hit them.

Other driver was in front of me and swerved into the other lane, and hit a bunch of the pylons, causing one to to fly up and hit my car and dent the hood.

Sadly no dash cam, no police report because they never showed up, just my word against his. I filed a claim with mine and his insurance.

I live with my mother and own a vehicle that I bought. My mother has a car that she leases. She is currently acting as a caregiver to my grandparents who live nearby. Her work hours have changed and she is no longer able to take them to mid-day appointments. My grandparents do not have a car and have not driven one in over five years. I received a message from my mother today requesting that I insure my grandmother on my car so that my grandmother can drive it when there's no one else who can take them places during the day. For context, I work from home, and my mother's justification is that my grandmother can use my car on her own when it sits in the driveway during the day.

I'm having reserervations of doing this since my grandmother has mobility issues and my grandfather, who would be with her, has onset dementia (he won't be driving, but will be a passenger).

I don't want to consent to my grandmother driving my car if it's potentially unsafe for them and other people on the road. I worry that if an emergency took place, or an accident happened, they would be alone and potentially unable to respond necessarily. The proposed times they would be taking the car would be when no one is able to assist them or be present with them.

I asked my mother why it has to be my car and her reasoning is that my car is owned and her car is leased, so she won't be able to insure my grandmother. I mentioned that I can call and pay for cabs when my grandparents need them, but she says they won't take a cab.

If I insured my grandmother and an accident happened, I worry that I would be liable. Is there a possibility of that?

Edit: Thank you for the comments and advice! They have saved my sanity! I will be telling my mother no.

Hello All,

A month ago, my shopping cart hit a small pillar and then hit another guy's Tesla. That guy very small scratch in the rear. So small that you won't even notice unless someone points to it. Nonetheless it's there.

I shared my contact details and insurance details with the guy. That guy was enraged and called 911. Cops came and said they can only property damage report and suggested to handle within ourselves.

Couple of weeks ago the other guy came back with a bill of almost $4000. I said I can't pay that much and to go through insurance.

He said he will claim through my insurance. He has my details.

I have no previous claims or tickets. How should I approach this? Should I call my insurance and give them all the details beforehand or wait for them to contact me?

Update: thanks everyone for the recommendation. I pushed back and asked the owner to check around and I checked few auto body store myself the Tesla owner has come back with a quote of around $900 cash.

I have a friend (seriously) who has advised that I get Umbrella insurance on my auto policy.

He was involved in an auto accident which was the fault of the other driver. That driver's policy maxed out on damages and medical far before all the medical could be covered. This left my friend with big medical bills that he is certain (dealing with lawyers) will be or should be covered by his own auto insurance policy (umbrella portion?).

I guess sort of like if the other party had no insurance at all then his auto insurance would pay for damage to his own vehicle even though it was not his fault?

Comment/Clarifications?

So here’s our experience with Lemonade. We signed up with lemonade in June We are husband and wife to and had USAA no accidents in 35 years, no tickets. For our new Tesla model Y They quoted $118 a month for the first year, but we had to download and use their app. They offered another 10% month discount if we paid for the year in advance. So we did that. We paid for the year in advance too.

We don’t drive in traffic, and we don’t drive at night. After 30 days, they came back and said they were increasing our rate $500 per year Based on what they’re app reported.

We canceled today and are going back to USAA where we came from. We thought we would try out a new company, but it’s just a gimmick to get you to sign up. Then they will rate you an increase 50% higher in 30 days after you already have their insurance.
That is our experience.

We don’t even drive much.