TLDR: I was at fault for a minor collision. No one went to the hospital.

Swapped insurance info. Then I got the initial lawsuit from lawfirm A, only naming me and telling me to forward the notice to insurance.

Some time goes by, and insurance pays plaintiff. Okay, at this point we were all done.

Just under 1 year goes by (accident was on January 21, 2023)

First letter from lawyers from lawfirm A is dated January 31, 2023

Now enter lawfirm B

I receive a notice that I am sued by the same plaintiff.

Dated January 16, 2025.

However, they now list my father as a defendant because he was a co-signer for my vehicle, and my brother who was a passenger.

They are listed as third party liability.

This is an arbitration civil case.

Is this possible? Do I send the new lawsuit to my old insurance at the time of the accident which was USAA?

Just convicted of second DUI in the state of Michigan. May get my license back in two years if I'm lucky. From what I hear car insurance companies look back 3-10 years in determining premiums. So when I finally get my license back and start driving again will they take the time I haven't been driving into consideration, or will the countdown start then?

Hi All.

We currently have Mercury for Home Insurance. Our dwelling amount through them is 850,000 and then we have another 25% in 'Additional Replacement' Option on our policy.

I am shopping around for a renewal, and I received a State Farm bid that is about 680,000 as the dwelling and then an 'Increased Dwelling" amount for $350,000.

The state farm is significantly cheaper, i.e. by $2k than the Mercury one. They both have the 1% all perils and the 2% hail and wind deductible. The lower dwelling for State Farm causes a lower deductible to be required (as the amount is a lot lower).

Is there any dangerous to going with the lower dwelling amount with state farm versus the high amount with mercury? thoughts?

I’ve been on my parent’s car insurance through college. I moved out to my actual first apartment and so I’m registered to a new town. Looking to get my first car insurance on my own.

I’m 26, drive a 2016 chevy spark. I’ve had a license since I was 16. No accidents since 2018 (due to ice, was covered, was a different car than I have now). My yearly income is about $40,000.

Recs on where to go?

What is a list of companies in NJ that currently lets you get an online quote? I have tried over 10+ that all say no longer online or find an agent. I'd rather do it online.

State Farm Farmers Travelers Nationwide Auto Owners Country Financial Esurance American Family AAA Allstate

My jurisdiction is introducing legislation, ostensibly aimed at "providing better and faster care for those injured in collisions, while reducing costs for drivers and insurers".

I'm immediately skeptical that services and mandates can be increased but costs go down. Often this indicates a promise made by governments to sell a policy with no expectation of accountability when cost savings never materialize. I think it is prudent to question the promise as it's possible that the government is making a promise they can't keep, or that there are underlying assumptions or trade-offs that aren't immediately apparent.

To determine whether these explanations are plausible or if the government is making an unrealistic promise, it's essential to: 1. Review the detailed policy design and implementation plan. 2. Analyze the underlying assumptions and data used to support the cost savings claims. 3. Evaluate the experiences of other jurisdictions that have implemented similar reforms. 4. Monitor the system's performance and costs over time to assess whether the promised savings materialize.

I don't have desire to do any of this as a consumer but I'm curious, has anybody seen such a policy go into effect? What has been the outcome in terms of cost at point-of-sale?

I have an account coming up in a few months. I haven’t worried about shopping it because they had back to back $1m payouts on the GL. They’re a rental company for (let’s say fences/signs) and were loss free for 20 years before the 2019-2021 policy periods. I wish I could share the details of a claim, but it’s so unique that it’d be easy to find out the company. I’ll just say claims are infrequent and the operation

Anyways, we’re getting close to that 5 year LR mark, and I’m wondering what commercial agents, brokers, and underwriters thoughts are, if I didn’t disclose the losses, if the carrier only asks for 5 years loss history.

On one hand, I’m a broker, and I feel inclined to disclose it to an underwriter, even if they don’t ask, to maintain a trustworthy relationship. On the other hand, I know that I’m at a disadvantage because if the insured shops it with another broker, I assume neither party will disclose the claim, if they are only asked for 5 years loss history.

The dilemma I’m encountering is, if I do the right thing and disclose the loss, I’m doing my agent and insure a disservice because they’d get a quote with high high premiums and sub par limits/coverages. If I don’t disclose the loss, I’m doing a trusted carrier a disservice, the agent and I would keep a solid account, and the insured would benefit from saving money and getting proper coverage.

I’m curious what my commercial agents, brokers, and underwriters thoughts are of this dilemma. (Not asking for advice, my decision is already made)

Hi! I use Elephant Auto Insurance in Virginia. The last day of my 6 month policy is March, with payments made in the middle of the month. I plan on paying this month’s (February) soon, but when I open the app and click on the One Time Payment tab, I see my usual payment (Due Now) and Total Balance (which is not the last payment I have to make—it is quite higher). If anyone has any experience with Elephant, is this normal around your last payment month so that you have an idea of what your renewal amount will be?

Is there any benefit to not filing a claim to fix our car when they are already paying out the person we hit?

We hit a car in our condo complex, very minor. The person we hit took her car to a couple body shops that quoted her around $3000 (cracked bumper and headlight) so we decided to go through insurance rather than pay out of pocket.

Our car is already in not great shape and the added dent in the door is just another addition to the many dings.

Because of this, we were thinking to just have insurance pay for the other party and not worry about repairs for our vehicle. Would it affect our rates and possibility of getting dropped more if we had our car repaired? Or does is the only thing that goes into account the fact that an incident occured?

Basically, I’m trying to lease a new car and I was getting quotes from them for $1200-1300/6mo for the lowest and cheapest coverages with the highest deductibles. I already have a vehicle under Geico which has a pretty solid rate, which is financed.

Out of curiosity, because leasing companies require you to have the PIP, and I don’t need it on my other car because it’s financed I made a whole separate policy quote online (twice) and got the same result, $670/6mo instead of the $1200-1300/6mo using the same information, my actual information and just using a different email. This is also with carrying a $1000 deductible instead of $2500 and adding my wife on it as an additional driver which I did not have quoted to add the car to my existing policy.

I called Geico to confirm this was true and if I could have two separate policies, what she basically told me is that if I were to try and pay that and go through with it, that it would adjust after I entered my card information, and wouldn’t even let me go to finalize the transaction and actually pay for the policy because Geico would recognize I already have an account and policy with them even using a different email. She also said that the numbers are just estimates and not entirely accurate which I understand. Well, it turns out it let me do it (didn’t tell the lady and did it after we hung up) and I was able to sign all the documents and get proof of coverage and it took my payment, AND even though i added a different email it merged the policy to my existing account (two separate policies still i’m assuming it merged because im using all my same info) while keeping the payments the exact same, $670/6mo

I can vividly remember the purchase of my last car and I do not remember them ever going back and switching up on me for the policy I submitted and created online.

That being said, if all the reported information is in fact accurate, it lets me get the policy and sign and pay, will they turn around in a few days and say I need to pay more or is that it? I just don’t want to go buy the car and be screwed knowing I have to pay that extra $600 lmao, it’s a $85,000 EV that just released this month so you would think it would be more but it gathered all my vehicle information when inputting the VIN. It worries me a bit because the other car I have is $860/6mo worth about $30,000 and is a finance not even a lease. Maybe it’s because this car has way more safety features? Then again, it’s an EV too which they are notorious for high premiums which is what is tripping me out. Any insight or experience helps, thanks!

Hello!

A large rock cracked my windshield in AZ on July 28, 2024, and at the time I had $0 deductible glass insurance with GEICO. I was driving to a family emergency and could not get it replaced immediately.

Fast forward to August 6, 2024, I moved to CA and had to update my insurance, and GEICO does not offer $0 deductible glass in CA. Instead, I have comprehensive coverage with a $500 deductible, still with GEICO.

Am I still able to file a glass claim with GEICO for the $0 deductible from AZ? Since at the time of the incident that was what my coverage was? I have dated photos to prove as well.

The vehicle is a 2024 Model Y so out of pocket would be $1k+.

Any help appreciated — thank you!

I’m currently paying 535 per month in Michigan with progressive for 2 truck one being a 2022 Chevy 2500 with an auto loan with the minimum required coverage and the other is a 2002 ford f250 paid off pile of junk with minimum coverage to be on the road.

Got our auto insurance renewal; increase of $600 for the whole year which isn't bad but a page on the renewal document calls out a reason for the increase as "reason code 0118, Total Amount of Balances on Open Account"

Last years renewal didn't have this; we have no credit card debt. Only debt is one car loan, the house and student loans which only decreased in the amount owed. Are they becoming more strict?

Hello. First of all, please don’t judge as I just really need some initial help. I plan to contact my advisor and agent but I figured I’d try and see what people here would say.

I do have a life insurance policy with NLG, and I’m paying a bit less than $200 per month for 575k death benefit. So I’m aware at some point I’ll have some amount of surrender value, but right now it is still $0. The surrender value starts accumulating couple years from now and of course it would not be closer or near the total of what I’ve paid in premiums so far.

Up to date, I have already paid a bit more than $7k of premium. I started actually with 250-280 per month but last year I talked to my advisor since I’ve been struggling financially and we worked it to go down to approx 200. But now, I really don’t think I can keep up with that. I have loans to pay, I do have a good 401k, life insurance from employer, etc.

What are my options here? My thoughts are just try get it lower again but will compromise the benefit, or surrender but I will get nothing unfortunately (that $7k loss is painful though). Is there anything else I can do? Any thoughts?

My wife was involved in a minor accident in a parking lot a few weeks back. She backed out of the spot, was about to go forwards when another car backed into her. The damage was to the other ladies bumper and the damage to our car was on the driver side by the mirror and door. The lady took fault at the scene and said the sun was in her eyes and the camera didn’t beep that someone was there. Later that day she called our insurance to file a claim. Fast forward, her insurance took full blame and our car is currently in the shop being fully paid for by them (with a rental car being paid for by their insurance). Our insurance called my wife and said they determined the she was 40% at fault and are calling it a 60/40? We tried to call our insurance but it’s a Saturday morning so they were of course closed. We’ll call on Monday again, but in the meantime, can someone explain how this works? Is her insurance fully paying for our damage and our insurance is going to give them 40% of the value of their damage? Our car is getting fully paid for, but I’m worried what this will mean for our insurance rates and how this will impact our ability to shop for another insurance company which we’ve been considering doing.

You know those commercial where the attorney and adjusters are having a heated argument and start cursing at each other?

Attorney: Like give me x or I’m going to file a lawsuit

Adjuster: how many F-ing time do I have to tell you I only have x amount to settle…

Does that really happen? If you haven’t seen it search up “Hadi - Law Liberty Mutual.

So I currently own a 2024 Audi S3 (FL) and I am with Geico full coverage for $1370 for a 6 month premium. I just got a quote from progressive for $917 for 6 months.

My hesitation is that I have mechanical breakdown insurance(MBI) with Geico, which to me, sounds like a great coverage. ($250 deductible for any mechanical engine failure up to 100k miles I believe?)

Additionally if I can get Geico down to $1160 for 6 months.

Should I stay with Geico at $1160 and MBI or progressive for $917?

I’m a 22 year old male with Geico insurance paying about $155/mo. Previously had a clean driving record with no tickets/etc. until last month. I was in an empty parking lot teaching my younger cousin how to drive (she just got her learners permit) when she accidentally hit a pole. Minor damage but I had it fixed through insurance. Last week I got a letter in the mail from Geico saying that they’re terminating my coverage due to the accident. The letter didn’t say anything about appealing, but is it possible?

Looking for an in-state carrier.

Hey guys! I'm in FL working on getting my Adjusters License. Through adjuster pro. Whats the chances of being hired staff for a REMOTE TRAINEE position🤔? And what companies are hiring for adjuster trainees in general? I want to at the end of my career become at some point a Property Desk Adjuster. I see it may take awhile to get into the game but this is what I really want to become. I will start anywhere auto, bi, where ever I just want to get my foot in the door. I would love to be hybrid but most jobs make you stay in office majority of the week but due to transportation reasons I can only go in office once a week max, on Tuesdays. And before you say it I love this career path and don't plan on changing it lol. I need help! What do I do guys? And if you have ideas on alternate plans to get me to desk remote lay them out too! 😭 I'm extremely determined no matter how long it takes!

My adult child (21) will be graduating college and staying out of state (FL). Can I keep them on my auto insurance (GA) if they are no longer a student.

I want to lend my car to a friend for a week. My insurance doesn't cover this i believe. Therefore, my question is what insurance should i ask my friend to get for a week so that any potential damage gets covered? Probably this varies by geographies, but if there is an overall general answer please let me know..

I just turned 27 and recently bought a brand new 2025 Honda Civic Sport Hybrid in Hawaii. This is my first car and first auto insurance policy. I have no prior insurance history, no accidents, and no tickets.

I’m paying $142.64 per month for full coverage with a local insurance company based here. Includes emergency roadside and rental car reimbursement coverage as well. Does this seem like a fair rate, or should I shop around?

Of course, I needed insurance to drive my new car off the lot, but I didn’t have a policy yet. One of the dealership staff referred me to an insurer, and this was the best rate they could find.

Hello,

I had accidentally hit remove on my application on the healthcare website for marketplace.

I do have the member ID number via broker says it's cancelled and my exchange number. Would they be able to send correspondence to the carrier to effectively cancel the coverage since i cannot get access to it anymore?

Thanks. Any info would be greatly appreciated.

Hello everyone, I am taking the P&C exam for NC, I am on my second attempt and I got 63 and 64. I am using the Webce platform. I have already taken many exams and the questions are repeated. Does anyone know of another platform for questions? I have checked Kaplan's but the Casualty and Property questions are mixed up. I don't know if this is a good idea since I am taking the exams separately. Thank you for your opinions and suggestions.

Looking for affordable eamrrirs and omissions insurance for a notary public business.

Universal insurance just told me I need to upload a hand written note to cancel my homeowners insurance . This sounds unlawful and intentionally difficult , no? How do i make them realize this is wrong and help others in the future stay away from this company ?

Hello. Here are the basics.

1. Husband purchasesd and financed through Toyota a vehicle in 2021.
2. I added vehicle to progressive policy shortly after we had it home. We only had liability insurance for both our vehicles.
3. Called progressive inquiring about rental vehicle insurance in early 2024 where the agent made me aware that we needed collision+comp. for our car with Leinholder and thought our current policy was not sufficient.
4. Went on vacation and didn’t think about updating policy until husband had car crash with our paid off car that totaled it Oct. 2024
5. Purchased a new car Nov. 2024 and called to add it to policy as well as add the required collision and comp. for Toyota with lien.
6. Agent gave cost and date for when both policies would be in effect. The agent said that photos would be requested of vehicle . Husband wrote this all down and assured me that we are now responsible adults.
7. Email requesting photos was sent to my email address and never opened.
8. I got into collision with Toyota vehicle beginning Jan this year. We were so pleased to be covered ..
9. NOT! Both vehicles were only liability.
10. Policy was never updated to Toyota bc pictures never sent.
11. Currently car is in impound wracking up fees, we requested phone recording of conversation with agent bc husband is confident he left agent with an updated and loan-abiding policy with collision+comp.

So help me out here. Why the photo requirements? It’s my understanding that if made aware we didn’t have proper coverage the lien holder should/could force-placed it through progressive. Would they need to submit photos?

Currently waiting to hear back from claim adjuster about recording. Feeling so frustrated with this whole experience. How would you go about managing this? Thanks.

I’m sure I’m leaving out lots of info so ask for clarification if need be. Oh, and please be gentle in response. I get this won’t work out in our favor.

Ok so I got hit by a van and made a claim with the other person’s insurance and they are taking full liability, and for them to pay me they said they could do it through Zelle or debit card or check. At first I tried to get them to use my Zelle but they said they couldn’t find my Zelle account for some reason so I just gave them my debit card information but now I’m just confused how are they supposed to pay me if they have my debit card information and not my bank account information? Did I fuck up or am I just confused.

9 months ago an uninsured motorist ran the red light and totaled our car. We submitted the dash cam video to our insurance and received immediate pay out.

A month after the accident, the other driver contacted a lawyer and requested to know our policy limit and for a copy of the video. We declined both and I think our insurance ended up going after them for the settlement paid to us (not 100% sure). We didn’t hear anything until now.

Many months have passed and the other driver sent our insurance a settlement demand letter for a sizable amount.

I understand a demand letter is not a lawsuit, so I don’t think it’s worth much. But has anyone had the at-fault, uninsured motorist send a demand letter and/or file a lawsuit? LOL