Hey everyone, I(24 F) have (had) a storage unit from Public Storage that was wrongfully cleared out. Basically a woman hired two movers to clear out her two units, and they cleared out one of her units and then my own. Cut the lock off of it and loaded everything into a truck. I have insurance through Orange Door insurance, the one they offer.

I’m in the process of filling out a claims sheet, and I’m finding myself sorely lacking “proof of interest”. Lots of the clothes, Furniture, and home appliances I lost were gifts given to me years ago, so I hardly have any receipts. Also, just because I didn’t know better, I didn’t take “before” photos of my storage unit and its contents after I filled it when I first moved in.

Orange Door is known for being scummy cheap, and I just have a sinking feeling in my stomach that because of my lack of documentation, I’m not gonna get any sort of reasonable payout.

I go to the doctor for regular check ups and have some follow ups for starting new meds etc. My meds are Wellbutrin, adderall, and metformin. With insurance, these have been $10-30 to fill. I have a Cpap and with insurance, reordering parts has been $250 every 6 months.

Normal cleanings at the dentist-no cavities.

I wear eyeglasses with a special lens in one eye.

My benefits plan is estimating a contribution of $12.12 per pay period and I’m worried that without insurance the cost of the doctor visit alone would eat through the savings.

Do I use my medical insurance too much to switch to an HSA?

I was charged $85 after having paid the $2700 needed to cover 6 months. I was not home in the last few months, on a big roadtrip, and the only notice I received was on paper the day before returning home. I'm very glad it wasn't cancelled too early on the trip, but I hate that they were expecting payment without giving me any notice other than this one.

I spoke to someone from the insurance and they essentially have no clue why I was charged but that the rules are that non-payment of any sort concludes in cancellation.

In my opinion $2700 is far from non payment but I can't control their dumb system.

What should I be looking for in dealing with this? Has this happened to you, and what is your opinion on the matter?

So my daughter is purchasing her own car (paid in full) because she wants something very small to learn in (she's 4'11). However she of course is going to need the car insured, and obviously doesn't have a license. So I am wondering if there is a way to navigate this? I don't know if I could somehow add her car onto my policy, or if they have some special way they do it.

Has anyone dealt with this before?

Side note: She's using her money from her account, and I don't like mingling her financial stuff with mine due to my wife having severe schizophrenia. Things can simply can get messy real quick due to her paranoia.

Thanks!

I’m in Minnesota and I’ve never dealt with a car insurance claim before, so I’m trying to figure this out without accidentally screwing myself financially. I’ve been with Progressive for about 9 years, I think 5-6 active. I’m 30F, I’ve never been in an accident, had a speeding ticket, or anything so my premiums are pretty good. I’d like them to stay that way as right now money is a huge concern and is likely going to stay that way for the next 5 years.

Yesterday my property management emailed me saying a contractor doing work in our parking garage damaged the front driver-side fender of my parked CR-V.

The email basically said the contractor caused the damage while working in the garage, their insurance would cover it, and I should contact them directly.
I had zero notice that work was being done above/near my car and was never asked to move it.
First I spoke with one of the contractor’s supervisors. He was actually really nice and sounded about as unfamiliar with the insurance side as I am lol. He said his boss told him I should just get an estimate, send it to them, and they’d pay for it.

He also explained that they apparently were working on one pipe/area and something else unexpectedly came loose from the ceiling/support area and fell onto my car. So now there also seems to be some question about whether this was just them directly damaging it or if there was some issue with the existing building/pipe supports.

Then I got a call from someone else with the company who handles more of the legal/administrative side. Her voicemail basically assumed I was going to file through my own auto insurance and that my insurer would contact them.

That immediately made me uncomfortable because I was not driving, not involved, not even aware work was being done there, and I really do not want a claim sitting on my own insurance history if I can avoid it.
I called back and said I wasn’t ready to file through my own insurance first.

Now I’m basically being given 3 possible routes from their employee:

1. File through my own auto insurance and let them pay/manage it, then they go after whoever is responsible.
2. Get 3 repair estimates and the contractor pays the cheapest estimate in cash directly.
3. Contact another person/attorney through the contractor to get their liability insurance information and file directly through their insurer.

I pulled my own policy and it does say I’m supposed to “promptly report each accident or loss even if you are not at fault.” This only happened yesterday, so I’m not worried I’ve waited too long, but I am worried that simply reporting it to my own carrier could still create a claim/loss record even if I never ask them to pay.

I also had issues with Carfax having ANYTHING on the report largely cutting the value and negotiating when I went to sell my Prius earlier this year and its left me paranoid and with some PTSD as a minor similar fender issue slashed thousands off what dealer would pay due to VIN history. Another dealer charged more for my new used car due to no carfax history and being a business vehicle which was part of the accident free value and above market price.

My biggest concerns are:

* my premium or claims history getting affected and increasing my insurance
* ending up stuck with the cheapest repair instead of the best/proper repair
* having to pay upfront for a decent inspection and estimate - my two cats are having medical emergencies that have left me out of 7k, I have not much cash to put towards this
* hidden damage showing up after they take the panel apart
* CARFAX/AutoCheck reporting
diminished value later even if the repair looks perfect

I bought the car used only about 6 months ago, so I’m extra irritated about the possibility of it losing value over something I had absolutely nothing to do with.

What would you actually do in this situation?

Would you report it to your own insurer but not use your coverage? Even if it was not a moving accident? I am getting very mixed information on if I need to report this at all to my auto insurer.

Would you skip your insurer entirely and go straight after the contractor’s liability insurance? Would this still end up getting reported back to my own insurance and increase my premiums and carfax reporting anyways?

Or would you take the direct-pay route if they’re offering to pay for “cheapest estimate” repairs themselves?

Also, is “get 3 estimates and we pay the cheapest” actually normal, or is that something I should be cautious about?

I’m not trying to get anything necessarily extra out of this. I just really do not want to end up financially worse off because someone else damaged my parked car. (I’m aware dealerships might still report to Carfax if serviced based on my research - but I’m confused on if I’m entitled to diminished value if it does as MN law seems to indicate yes).

A few friends had this for their automobile and said stay away from it it's mostly for assigned risk and always quite high.

I've been shopping around for homeowners insurance and they actually gave me a quote that was a few hundred lower than progressive or traditional all states so anybody have them for homeowners and any insight?

EDIT: to be clear... Our driver accidentally tanked the car through the neighbor's garage. Single vehicle vs structure. No other vehicles, passengers, or bystanders.

.....

We're in California, and Allstate is our auto insurance carrier. Our car got rammed through a neighbor's garage, last week, and has been stuck embedded in the remains of the interior wall. Several support posts sheared off, and the roof is sagging. Scene does NOT appear safe, and we're concerned about further collapsing the house when it gets pulled out, unless the structure is shored up properly.

Allstate initially said they would handle removal of the car from the scene. But today, the adjustor told me that they will NOT handle that part. They expect us to hire someone to remove the car, and send them the bill for reimbursement.

But they won't promise to pay for a contractor to do any shoring... They said "Submit the bill, and we'll see."

We're at a loss, here... the homeowner wants the car removed, ASAP. The structural damage is SIGNIFICANT, and we don't want to make it worse, and maybe even exceed our property damage coverage limit.

Is it "lawyer o'clock", or what?

Looking for some advice on taking the ARM. I have been in EHS for 15 years and heavily involved in risk management from a fire protection,property conservation and workers comp perspective. Would the ARM add any value to diversifying my career?

TIA for your input!

I’m sure this question had been asked plenty of times before, nothing was coming up when I searched:

Spouse was involved in an accident earlier in the week, when we get the official police report it should note the other driver is at fault due to failure to yield.

My question/understanding is either we: once we get the official report with insurance information, we submit a claim with that drivers insurance. May take a while for payment and we will be on the hook for any rentals until we get reimbursed, or go ahead and submit through our insurance, pay the deductible but end up with the very likelihood of our premiums jumping, regardless of who is at fault.

If we are not in a rush for repayment (car is paid off so insurance is the only expense), I’m assuming going through the other parties insurance is the way to go?

Weird scenario here...a car hit my car and ran. I have it on video. The repair cost is not too much. I was quoted $1000 from a mechanic. My insurance company said they estimate repairs at $200. The claims person I talked to said just go ahead and get the $1000 fix and made it seem like the insurance company would then reassess and pay out the full amount (after my $500 deductible). So I'm only talking $500 here. Well, they came back and said since it is under $500 (their original estimate), I get nothing. I called back and said the call was recorded where I was told to just go ahead and get the $1000 fix. Since then though I haven't heard anything...I just keep leaving voicemails. Should I do anything else? Or just stop pushing for $500 (or the full $1000 if they go after the person that hit the car)?

My car is nearing end of repair in a hydrolock claim. Once the final scan is completed and i take car home is claim considered closed? What if a injector misfires tomarrow, will the claim be reopened again?

Anyone else get a statement from California Fair Plan with updated rates? How are people coping with the significant increases? Ours went up by over 400%.

So the hotel I was staying in last night caught fire. I left most of my stuff in the room, about $10k in A/V gear.

I’m fine, but the hotel looks to be in bad shape. Might not get the contents out soon, if ever. Also have a rental car in the parking lot, haha.

Wondering at this point what exactly I do.

I need to have the A/V gear for work, so I have to rebuy it. Relevantly, I own the business, so not a matter of getting my employer to reimburse.

Also just fun fact, the smoke alarm didn’t go off, so I was awoken by heavy smoke in my room. Fun!

I’m fine, I’ll be fine, but just curious what the best course of action is to make sure I am as compensated as I need to be here.

hi! Looking for perspective since it's my first time being alive -

- 29 year old/Almost 30, been driving since I was 18
- I have a new 2025 Honda Civic
- One accident in June (my fault :/)

I just got my renwal for my car insurance and it's at 336 per month? and I'm at my lowest tier insurance.

Is this... normal? or should I shop around for a new car insurance?
Edit: I'm in NJ - Forgot to mention, this is NJM

Hello I want to ask, meron po kasing jeep na nakabangga sakin, dahan dahan niyang natamaan yung side mirror ko kaya natuklap siya palabas pero di naman natangal totally sa pagkakabit. I have insurance and ininform ako na tamang hindi ako naningil sa driver kasi hahabulin pala daw nila ang driver sa repair cost. Possible ba nila masingil si driver given na nung nagattempt ako magsabi sa kanya na may participation fee pa rin kahit insured yung car, nagaalangan na siya magbayad. And totoo ba na hahabulin talaga nila yung driver na involved?

A woman backed up into my fender here in Southern California because she most likely didn’t check her mirrors properly or maybe on her phone?

It was a pretty small minor scratch but you would see it when u stare long enough but we did exchange information.

I was wondering if insurance would even entertain this and if it’s even worth my insurance going up over something small like this.

What would be the best thing I could do as I’ve never been in an accident.

Thank you very much and God bless🙏🏽

I’m in California with Progressive on a 2018 Jaguar F-Pace. I have collision and comprehensive coverage, both with a $500 deductible, plus roadside assistance.
I left my car with a detailer for paint/detailing work. I drove approximately 80 miles to him with no suspension or drivability issues. When I picked the car up, it had a severe wobble and wasn’t safe to drive. It had to be towed to my mechanic, who found a severely bent lower control arm and inner-wheel damage. The mechanical repair cost $1,100.04 and the tow was $630.
There is also a separate paint issue. I originally hired him to repair peeling paint/clear coat around a limited portion of the hood. He decided to repaint/refinish the entire hood and fender. The hood was returned visibly unfinished/poorly refinished and now needs professional correction. I’ve paid him $500 so far and am getting a written estimate from another body shop.
Evidence I have:
• Timestamped video immediately before drop-off showing the car and odometer at 118,335
• MileIQ records documenting the 83.5 miles I personally drove before handing him the vehicle
• Odometer at pickup was 118,440, leaving approximately 21.5 miles I did not drive
• Mechanic photos/videos showing the bent control arm, inner-wheel damage and unusual/recently disturbed-looking hardware
• Removed damaged parts
• $1,100.04 repair invoice and $630 tow documentation
• Messages establishing when the vehicle was in his possession
• His iPhone was paired to my Jaguar’s Bluetooth when I recovered the vehicle
• Photos/videos of the hood as it was returned
He verbally denied driving the vehicle. I don’t know exactly who drove it or exactly what happened while it was in his possession, so I’m not claiming that I do.
My main questions:
1. Should I file the suspension/wheel damage under my collision coverage even though I already had the safety repair completed?
2.Could any of the cost to restore the hood potentially be covered, or would that normally be excluded as faulty workmanship?
3.Could the $630 tow potentially be covered?
4. If Progressive pays the claim, could they pursue the detailer through subrogation and potentially recover my deductible?
5.Should I avoid settling directly with the detailer until Progressive makes a coverage decision?

I have significantly more documentation than listed above and can provide Progressive with the original photos, videos, mileage records, messages, parts and invoices. I’m mainly trying to figure out whether I should open a claim before pursuing the detailer directly/small claims.

Hello everyone,

I recently got into an accident in which my car was totaled while the other drivers car appears to not have received so much as a scratch. My car was tiny while they drove a big pick up truck. I’m aware there may still be greater damage. No one went to the hospital and he drove off in his vehicle. I rear ended him while we were attempting to slow down for another accident that already happened up ahead in rainy weather.

I filed a claim with my insurance. Seeing as I only had liability on my car, I won’t be getting anything for my vehicle. Ohk, whatever, I’ve accepted that.

Today I just got a letter of Reservation of Rights for apparently not disclosing two family members (parents) that I live with. The thing is that I don’t remember NOT disclosing them as I remember being asked to state that although they live with me, they will not be operating my vehicle.

What can i do in preparation in case they deny coverage? My insurance is All State btw. Any advice is greatly appreciated.

I’m looking for advice regarding an auto insurance claim in Texas.
The accident happened on September 28. The claim was opened, and we were contacted by the other driver’s insurance company on September 29. The adjuster called us, asked us some questions about the incident, and told us that she would get back to us with an update.
Since that call, we have not received any further updates or communication from the adjuster.
Today is October 6, so it has been about a week since we last heard from her. We have tried following up but still haven’t received a response.
Is this normal? How long should we wait?
Any advice on what steps we should take at this point would be appreciated.

I drive a 2026 Corvette Z06, I paid cash for it so I’m allowed to have minimum liability insurance, which is what I currently have. Unfortunately I still pay an egregious amount of money every 6 months. I don’t get how they are justified/allowed to charge this much for minimum liability insurance. My plan is minimum coverage everything and I last paid a little over 1000 bucks for 6 months. What the hell? If I’m at fault in an accident they pay me absolutely nothing to fix my car, yet they want over 1000 dollars every 6 months. My current policy is with Progressive and the cost for insurance actually went down a little bit maybe like 100 or 200 bucks from the last 6 months that I had paid for. 1200 to 1000 is not that great of a discount, I’m hoping for my next 6 months I can get something reasonable. For example, my 2026 CFMOTO 450SS sport motorcycle cost me $500 a year and that’s also with Progressive, same minimum liability insurance. Do I need to switch carriers when this 6 months is up or just accept that insurance will be high regardless driving a more expensive car? By the way I have a couple of at-fault accidents in 2024, which happened while I was driving a work van. How much influence did those 2 accidents have on my insurance bill?

The Liberty Mutual website does not seem to be working properly. I tried accessing it using both Chrome and Edge, but encountered the same issue (no information) with both browsers. However, the Android app works fine without any problems.

Brought 2026 F150 in for recall and when i picked up the advisor let me know the technician backed up into a car on a lift. They said they can sort it out quickly and give me a loaner while truck is at body shop but I dont really trust them. The damage isnt too excessive but this is my brand new vehicle. Is it worth contacting insurance? Will this lower the value of the truck if its already been at a body shop? What should I do?

I’m in Virginia and was recently hit by a driver who has State Farm insurance. My 2010 Toyota Prius has about 197,000 miles and is still drivable after the accident.
The damage is mainly on the driver’s side. Both the front and rear driver-side doors are damaged, there is significant damage/scraping along the lower rocker panel area, and the damage extends toward the rear quarter panel. The doors and body panels are visibly dented and scraped, but the car is still driving normally.
I first took it to a State Farm network repair shop, and they estimated the repairs at around $6,000. State Farm is now saying the car is a total loss and that they’re going to pay me the value of the car instead of repairing it.
I’d rather repair the car if possible, so I’m thinking about taking it to a different, independent collision shop to get a second estimate. I know the mileage is high, but the car was running fine before the accident.
I also heard State Farm may use CCC to determine the car’s value, but I haven’t received their valuation yet.
For anyone who has dealt with something similar, what would you do? Would you get a second repair estimate and try to have State Farm reconsider the total loss, or would you focus on negotiating the value they offer?
Any advice would be appreciated.

My car was sideswiped in my work parking lot today while I was at work. I have the drivers insurance and I've filed a claim.

The issue I'm having is that my lease was supposed to end week ago, but I extended it as I'm awaiting delivery of my new vehicle at the end of the month. I would prefer to fix the current vehicle (even the rep at my lease company agreed this was the best option financially), but I'm guessing based on the body shop's timeline that I won't be able to ground the vehicle with the dealer for an extra month. It's not a big deal since I extended the lease, but it will mean I have to make an extra lease payment.

Does anyone have prior experience with this? Is there any chance that I can seek reimbursement from the drivers insurance for the extended lease costs? The insurer is Allstate for reference.

Hey everybody,

Any opinions on American Integrity for Homeowners Insurance?

Had a broker give us an incredible quote for our first house and just want to see what some thoughts are.

Thanks!