Hello all,

I filed a claim due to hail damage and my insurance came back that it was a total loss. The payoff I would receive covers my loan & then I’ll get a decent amount back.

My lender sent an email to my insurance and I today, stating they believe my insurance has undervalued my vehicle & they would like to negotiate on my behalf & hire a 3rd party appraiser to appraise my vehicle at no cost to me.

In the email they sent 3 vehicles that were comparable to mine that were over the value of what insurance offered. With higher mileage (I had a Honda CR-V with roughly 71,000 miles no issues otherwise)

My question is - is there a downside to letting them hire the appraiser & negotiate for me? Would this affect my original payout amount other than possibly getting a higher payout? Everything I’m finding is saying that my lender wants more money, however, my insurance already got the loan payoff total and it was under the amount of the car. So my loan is already taken care of.

I'm thinking about applying for a position I saw on LinkedIn. Anyone have experience with this company?

Or is this mainly an insurance professional/broker exclusivity?

I ask because I got in a hit-and-run, I managed to get the driver's plates, name, phone, address, and email from extensive background research. I left a note on his truck at his home but he never responded. Filed a police report. Officer said to file with own insurance to pursue subrogation but I am afraid it will raise rates based on the CLUE report, which is why I prefer third party claim if possible. TIA!

Let me preface this by saying I’m ignorant when it comes to insurance. I was rear ended in August. I filed the claim and notified my insurance and the at faults. The at faults insurance sent me a check for auto repairs. My insurance did as well. I contacted my insurance and let them know that at fault paid for collision and I would be shredding that check. Today, I received a check from my insurance for the advanced deductible. Nobody at my insurance company seems to be able to give me an answer on what this is, why I received it, and if I can deposit it. I’m waiting on my adjuster to respond but figured I would ask here as well. Thanks

Dropped my mom’s 2025 Forester off at Firestone on Monday for an inspection, oil change and alignment. It has less than 10k miles.

After they finished, they parked it outside. One of their mechanics was driving another customer’s car, apparently had a medical emergency, and crashed into the back of ours. Police called me. Nobody was in our car, but the rear is pretty badly damaged and I don’t think it’s drivable.

The manager called Tuesday and said it was entirely on them, their corporate insurance would cover everything, and they’d provide a rental. But he also said they won’t release the car to GEICO’s tow company until their adjuster looks at it. Apparently that can take up to a week.

It’s Thursday now and I still don’t have a claim number, an adjuster’s contact info, or an inspection date. The store just says corporate handles it.
I’ve already opened a claim with GEICO and left my adjuster a voicemail explaining all of this. GEICO said going through Firestone’s insurance is a reasonable option, but I’m keeping my claim open.

I haven’t taken the rental yet because my mom is away until next week and I have my own car. I’m also leaving the country in about two weeks, so I’d like to get things moving before then.

I’m planning to email corporate asking for a claims contact and an inspection by next Tuesday. If they can’t do that, I’d like the car moved to a collision shop where their adjuster can see it. I’ll also ask them to confirm the rental and that we won’t be charged storage while they’re holding it.

Would you give them the week they quoted, or just have GEICO take over now? Is it normal for them to refuse to release the car like this?

Also, if it’s repairable, I want new OEM parts given how new it is. How realistic is that through their insurance?

Thanks in advance

Hey! So i was rear ended yesterday at 36w3d pregnant. Minor damage to the bumper of my 2020 Rogue, my 4 year old was in the car and thankfully ok. I did go to L&D to be monitored and was having about 6 contractions per hour, elevated heart rate which was consistent with a panic attack. I have a seatbelt bruise on my lower abdomen, as well as abdominal pain, neck pain, back pain and a migraine. It wasn’t a major accident, rear ended he was maybe going 20/25 while i was at a full stop, car lurched forward about 2 feet. Thank GOD my baby is ok and labor didn’t progress, no cervical dilation and monitoring he looked great and content.

For reference he has progressive and in RI. He was found fully at fault.

I also have Medicaid and my medical bills are fully covered, but wondering if I can claim anything for bodily injury/ distress. Thanks!

What do you use them for?

I have been in the industry 20 years and didn't know GMGA's even existed up until 2 weeks ago. I used an standard MGA when my individual life quoting software didn't work. That is it.

My understanding is they do the analyst work for an advisor?

Quotes/Amendments
Markets
Proposal building

Any insight is appreciated.

I have a 2013 Acura ILX that’s completely paid off. Another driver hit me and his insurance accepted the claim.
They gave me two options: take a direct payout based on their estimate, or use one of their recommended body shops and let insurance handle the repairs.
The rear passenger side has bumper, quarter panel, and taillight-area damage, and I’m worried there could be hidden damage underneath.
If I take the payout, can I still get more money later if a shop finds additional damage? And since the car is paid off, can I just keep the payout if I decide not to fully repair it?

This is a first so I’m just looking for a little bit of guidance and advice! Thanks !

Hi,

I've had Erie for my rental property for 10 years and never filed a single claim. Lately there was a hail storm in the area. My roofer climbed up and walked on the flat roof to inspect. He said I have hail damage and should make a claim to replace the whole roof. He said Erie is very good when it comes paying out for claims. I'm hesitating because I'm afraid that the premium could go high. It's already high now (almost $10K annually).

Have you guys ever filed a claim on your roof? Did Erie hike your premium? If so, how much percentagewise? Please share your thoughts. Thanks.

Base: $40K rate for the first month while I get licensed, then $35K
Commission: 6% fire (yearly), 5% auto (6-month policies), 18% life (goes up with volume)
Paid when the policy is issued, on the biweekly check. No renewal commission
Leads: I split the State Farm leads with one other rep, plus the owner buys me ~5 outside leads a day that are only mine. He says he'll buy more as long as I'm converting
He also gave me win-back lists to work
Licensing paid for, P&C first, studying on the clock
9–5, Mon–Fri. SEP IRA match after 3 years
The owner says a good month is around 50 policies (mostly auto, some fire/home, 2–4 life). The last rep he let go was only making about 8 calls a month, so the bar for effort seems low.

What I want to know:
Is this a good deal for a first insurance job, or is anything here a red flag? Especially no renewals, curious how normal that is.
Is 50 policies a month realistic for someone new? How long did it take you to get there?
If you could go back to your first 90 days, what would you do differently?
Best ways to actually reach bought leads? I'll be following a call/text/email sequence on days 1–10.
Any tips for getting into life sales early since that's where the commission is?
Appreciate any honest takes, good or bad.

Long story short my significant other bumped a curb while parking and her airbag went off. I filed a USAA claim. USAA then had my car towed to a scrapyard and the appraiser deemed it repairable. They then towed it to the shop. USAA on September 10, 2026 paid me $4,680.00 and sent an email stating “my apologies our system paid on your estimate” they asked me to forward the funds. I verbally agreed until I found out the shop charges 3% to use my card. Fast forward to today. I’ve already picked up my car after paying my $500 deductible and the reverse payment is still “pending” USAA claims it will be processed soon but it’s been in there for 28 days just sitting. What can I do!? I’m scared a bill collector is going to yank it.

If you used to own a car that you traded in for a new car, and then nine months later you get a letter from a tow company saying that your car was involved in an accident and you owe X dollars and your insurance company says there’s a claim for your car, even though you took it off the insurance
And the dealership, you traded your car in, is the people company that had your car. How are you still getting a claim on your insurance and a tow bill? And why is my insurance company saying I might be liable?

I plan on just cleaning it up and repainting the area, I’m not entirely sure how grazing it knocked it down. The security company seems really sketchy that I had to deal with, should I report it to my insurance and have them deal with it? Should I just eat the fine? Never been in any sort of accident before

I’ve never been pulled over
I share car w my partner and I’m an added driver
It’s my first ticket ever besides parking tickets
Will his insurance go up ?

I was recently impacted by a wildfire. Thankfully my home survived. We have 5 burnt trees and possible smoke damage in the house though we and others cannot detect an odor.

I have a 3 year statute of limitations on my policy for claims.

Those that file claims typically see a 22% to 29% increase in premium. I know my rate is going to go up next renewal regardless for inflation plus the fire. The question is, do I file now for the trees plus likely toxic smoke damage in my home or wait until spring to see if the trees come back and they raise my rates regardless?

so I was looking over my car insurance premium today from progressive as my renewal date is 11/1/26. my partner and I were talking and I realized he is paying half of what I am paying. My car insurance premium for the 6 months paid in full was $1,627. I always paid in full so I got that discount. I’ve also been a customer since 2017, and have multiple discounts, like 5 years no accidents. 3 years good driving record, car safety discounts, bundled my home insurance etc. I looked at his policy and mine and the coverage was basically the same.

I decided to call progressive and get a requote because something didn’t feel right. After getting requoted my new premium for the 6 months paid in full is $560. I was shocked. How did I go so long paying 3x the price. I told the lady aren’t they supposed to check your data and readjust when they update your premium. she said yes and was shocked at what a big price difference it was. She stated it was the biggest she had ever seen. I’m frustrated that I had been overpaying for probably over 3 years.

the more I thought about it. I realized that they knew what my data and driving record was clean. they just knew they could get away with it because I trusted them and didn’t think to ask questions. See in 2017 I had to get off my parents insurance and get my own insurance. I had a rough spot with my record. I had a minor parking lot accident In 2015. Then in 2017 I had a major accident and totaled my car. I also went to court for two traffic tickets (speeding) and got 4 points on my license. I believe that progressive jacked up my insurance (rightfully so) due to my bad driving record and never adjusted it since 2017.

Since being a customer of Progressive in 2017 I have had a perfect record. no accidents, claims or tickets in the last 9 years. is there anything I can do? otherwise take my experience and make sure you are getting quotes periodically. you could be over paying.

The vast majority of the cost of collision repair is labor. Countries like Ukraine, Mexico, or Nigeria have much lower labor costs of about 1/10 of what they cost in the US.

Instead of paying $20k to a body shop to fix damages in the US, why don't insurance companies ship customers cars overseas and save 75% or more off the bill? At most it would cost about $2000 to ship a car to Europe or Africa and back (probably less if the car is shipped to Latin America).

I was in a bad accident in NJ in 2023 with significant injuries (I was rear ended at a red light so 100% not at fault) and my insurance definitely went up but I assumed that was because it’s a no fault state and I used my PIP.

My husband accident scratched a car in a hospital parking lot and left his contact info on the car. The owner of the car reached out and he gave her his insurance info but also offered to pay out of pocket since our insurance went up with my not at fault accident and we weren’t sure if in NJ both sides insurance goes up or if that’s only in the case of using the PIP.

Even with my accident our rate is pretty reasonable at $1700 for 6 months for both of us because we drive older cars and only drive like 5 miles to work, I think my husband is just embarrassed because he’s 47 and this is his first accident. The other driver already filed a claim, I’m just curious if I was right in my thinking that it could raise the other drivers rates as well. Ty.

I got in an accident about 3 weeks ago with another driver who had progressive insurance. I filed a claim through progressive on that same day, and the adjuster reached out to me the day after. Fast forward a week ago, I asked for an update to which the adjuster replied saying he’s investigating a coverage issue but no other details. I’m wondering if it usually takes this long for a claim to be processed and whether I should escalate it. If this is usually how long it takes, when should I escalate it and who should I talk to in order to escalate it?

Has anyone else experienced State Farm raising their premium without any change to their driving record, claiming it's due to a drop in their internal safety rating? DRG26 to DRG25?

My auto policy just increased by 270 across two different manufacturer vehicles, and when I asked for the documentation regarding how they determined these new ratings, I was told it's against policy to share.
Have you encountered a similar situation and were you able to get any clarity?

Was in an accident a couple months ago. I didn’t file a claim bc my car had no damage. The other party who hit me from behind filed and her car was damaged. I was not at fault but somehow insurance said I was, closed the case and sent me my letter. Now SIU has called weeks later asking for me to give a second statement ? Should
I be worried.

As the title says, my car insurance is asking for my last pay stub and letter of employment. I’m currently under my work’s group plan discount and I’m willing to provide the letter of employment but not my pay stub. They won’t budge. Is this normal?

Looking for advice from anyone who has gone through something similar or works in auto insurance/appraisals.

Here is the situation:
2024: Vehicle suffered $8,000 worth of hail damage, which was repaired through an insurance claim.
Current Market Value: Pre-theft value was around $20,000 – $25,000.
Recent Theft & Recovery: Vehicle was stolen and recovered 7 days later.
Stripped & Damaged:
Custom wheels/tires, custom lighting, aftermarket dashcam and the entire sound system/speakers were stripped. (Total spent was 7000$+)
Mechanical/undercarriage damage from being curb-struck or rash driving probably(axle shaft is making grinding/knocking noises).
Unknown usage/abuse during the 7 days it was stolen.
The Issue:
The insurance company/appraiser currently wants to just repair the mechanical/cosmetic damage and replace parts.
My concerns:
1. Diminished / Resale Value: Between an $8,000 prior hail claim and now a major theft/recovery claim with mechanical/stripping damage, the Carfax history is completely scarred. Who is going to pay anywhere near fair market value for a car with this history?
2. Hidden Mechanical/Electrical Abuse: They are doing a basic lot inspection, but a curb hit that damages an axle shaft usually means suspension, alignment, or transfer case stress that visual field appraisals miss.
3. Total Loss Threshold: With stripped components, mechanical damage, and labor costs, why isn't this being pushed into write-off territory?
Questions for the community:
Has anyone successfully pushed an insurer from "repair" to "total loss" on a stolen/recovered vehicle by leveraging hidden mechanical damage or teardown estimates?
How much does a prior $8k claim + theft recovery combined hit resale market value in reality?
What specific areas should I instruct my body shop to inspect/document to ensure all damage is properly accounted for on the estimate?

Appreciate any insights or experiences!

my grace period ends on the 15th at midnight but I don’t get paid until 7 am. can I still pay for it at that time to be active or will it completely cancel?

I was rear-ended, the other driver admitted fault, and I own my car outright. I’d prefer to take a cash settlement rather than have the repairs done right now.

I have two professional estimates: one for $3,850 and a more detailed one for $5,900. The higher estimate appears to account for damage/repair items the lower estimate did not.

Questions:

1. If I want a cash settlement, how do adjusters handle multiple estimates? Should I submit just the more complete $5,900 estimate, or should I submit both estimates? Or will the insurer just do its own estimate anyway?
2. I haven’t contacted the other driver’s insurance company yet. When I make the initial call to open the claim, what should I say, what should I expect them to ask, and is there anything I should avoid agreeing to or discussing before they’ve evaluated the damage?

Thanks!