Hey guys, im a 24 year old male living in Ontario and just got hit with a complete blindside. I’ve been insured on multiple vehichles through different companies since 2018, no tickets, pullovers or anything. I just bought a new truck and found out when getting quotes that I have 2 at fault accidents on my record. The first was July of 2021, my 67 mustang hit a pothole and caused some minor damage to the fender. I called intact and asked some questions and they said the only way I would get any money towards repairs is if I put it through as an at fault-after hearing this I said no thanks and paid it myself. They never said anything about this going on my record, the whole point of me paying out of pocket was to avoid this. The second was on my truck in Feb 2024. I was in Colorado and my brother needed to move my truck out of the driveway, it was late at night and a neighbour was parked somewhere it was hard to see and he bumped into it. My truck was fine and I was away so I didn’t deal with any of it directly but my brother used his personal insurance to pay out the damages but this is on my record as at fault for me. Is there anything I can do to get this off the record? I’ve talked to so many insurance agents who just shrug and say they won’t insure me and that the circumstances don’t matter. I’ve had insurance since I was 17, paid over $25,000 since then and cost insurance companies $0 and they won’t insure me.

Update: Thank you for all the responses and suggestions. This is my first time ever dealing with insurance so was a little confused. I believe I have figured out what the issue was. I was seeing an in network gynecologist and they requested I get an ultrasound. The gynecologist had me scheduled with the hospital but said I can cancel and find another provider to try and find a cheaper place. I found an imaging clinc that says online that they take Aetna and so I scheduled with this place. They took my insurance information and I called them 3 times prior to my appointment to confirm the price of the service. They had stated the service was $245 every time I called and that I wouldn't owe anything more then that. I went to the clinic and before getting the ultrasound done again asked about the price. They said it would be $245 and so I swiped my card. I asked again if I would get another bill later and they said no that this is all that I would owe. I did the ultrasound and before I left I had them print the bill. They printed it for me and it shows that the good faith estimate was $245, which is what I paid upfront. A month later I received a bill from the clinic for $400 and upon checking the insurance claim I see $400 going to deductible and another $401 saying "pending or not payable" with my total share being $801. It seems my insurance is not covering anything. I had no idea that they would not cover anything or that this place was "out of network" as it literally says they take Aetna. I was reassured multiple times that the $245 was all that I would owe. I told them many times that I would cancel my appointment if there is the possibility that I would be charged more. The good estimate bill doesn't even show the actual price of the procedure nor how much my insurance would cover. I am so mad. How do I debate? Do I file a complaint? It also seems like my insurance is unaware that I've already paid $245. Please help!!! Another $800 bill on top of the $245 is insane.

It’s a long story but I’ll try to shorten it. I’m not 100% sure how insurance works. My car is under my name but my insurance is shared with my parents. My parents have a few other family members included (me, one sister that is 25, an uncle, an aunt). But my Toyota Corolla 2017 is under my name, automatic payments under my own bank account, etc. I guess my parents own the whole insurance policy but the car is under my name. My bill in December 2024 was raised to $400 (NOT full coverage) They won’t give a clear answer as to why they raised my bill so high. But I let it slide. I saw it as a consequence to our current economy. In february they charged me $825. No clear answer. They gave me unreasonable excuses such as being under 25 (I’m 28), or someone else under the policy is under 25 (no one is under 25). Someone that USED to be on it was under 25 but they got their own insurance under a different company over a year ago. But they used that person as an excuse either way. We even sent proof that they are no longer with State Farm and for how long but that wasn’t enough. We dispute it. They compromised and said I won’t have to pay my “$400 bill” for March. Technically half of $824 isn’t $400 so in the end they won an extra $25 from me. Today they told me I still owe $200 this month and $200 next month. That they’re splitting the $425 between March and April. PLUS they randomly began charging my 25 yr old sister an extra $26 AND used the name of the person who was under 25 on that bill (again, that person has not been with us or state farm for over a year). Does anyone have any idea what’s going on? We’ve never been late on payments, we paid off our cars, we never fight them when they raise our bill (except for this time because $825 a month is excessive). My last accident was in 2022, it was not my fault, I never filed a claim or asked for money to fix my car, I asked for info about my options 2 years after the fact (in 2024) but it was too late to do anything about it anyway. I’m planning to cancel my policy with State Farm but I’m still curious about what is happening here.

I filed a claim with my insurance company (Liberty Mutual) for wind damage to my roof back in early January. Now it's late March, and I still haven’t received a decision. The adjuster is not responding to my calls or emails. Meanwhile, my roof is in bad shape. I’ve had multiple roofers take a look—some warned that roofing material prices will increase 6–10% after April 1st (I confirmed this independently). I'm torn: should I go ahead and replace the roof now, or wait for the insurance company to respond? **Background:** * I live on the southeast of MA, where we had multiple wind advisories and high-wind warnings through Jan/Feb. * My roof is over 20 years old. After one windy day, I found shingles (including ridge shingles) in my yard. The attic started leaking during rain/snow, so I had to build a makeshift water catchment system. * I contacted two roofers. One said it looked like clear wind damage and advised filing a claim. * I filed the claim, and per the insurer's request, I had temporary tarps installed by the same roofer who suggested filing a claim. * The adjuster and their inspector came, acknowledged the damage, but said it wasn’t wind-related—claiming it looked like "mechanical" damage. They seemed skeptical of the roofer I hired(4.8+ rating with years of view history on google). * Waited another 2 weeks, they brought in a third-party engineer, who inspected the roof and told me he believed it *was* wind damage and saw no signs of mechanical damage. He submitted his report to the insurer. * Since then, another week passed. I contacted the engineer, who confirmed the report was sent, but said I’d need the insurance company’s approval to view it( so no access to the report). It’s now been over 10 weeks. I can’t wait much longer with such a vulnerable roof, especially with prices going up. I understand it’s an old roof, and some might argue insurance shouldn’t cover it. But it was functioning fine until the storm, and I *do* have replacement coverage. (Also worth noting—my premium is over $2,800/year.)

I was paying my mortgage online, noticed that mortgage paid my hazard insurance at $4860, when I was paying like $2800 prior year, called agent and asked Wtf, 10 days later he got it to 3800/yr, cars at Geico because best rate, Went to GEICO for homeowners and bundled with my car insurance now $2,680. Also GEICO takes 10minutes to get a quote.

I purchased a brand-new 2023 Porsche Macan S for $82,000. After taxes, the total came to $86,000. I also purchased all available extended warranties and protection plans through Porsche, covering the engine, transmission, wheel/tire protection, paint/weather discoloration, etc., bringing the total investment to approximately $102,000. As of 2025, the car has only 14,000 miles, mostly from commuting to and from work. The vehicle was in excellent condition with no engine damage. Recently, I was involved in a collision accident, and the fault was determined to be entirely on the other party. Unfortunately, my insurance company has declared the car a total loss because the repair cost is around $40,000, and the vehicle would receive a salvage title, thereby reducing its market value significantly. My insurer has offered me $72,000 as the settlement. This situation leaves me $30,000 short of what I initially paid, even without factoring in the warranty and extras. 🟦 1. Can I still negotiate with the insurance company after they totaled my car? 🟦 2. Should I buy back the totaled car and fix it? 🟦 3. I had 5-year warranties — if the car is totaled after 2 years, will I get refunded for the remaining 3 years? Thank you to anyone who sees this message and replies back.

I bought a car rental through Kayak/Priceline in November and was offered rental insurance through RentalCover. Purchased the rental insurance and got a policy. During the trip I caused some damage to the bumper and it had to be replaced so I started a claim with RentalCover, but it's been sitting at the status "under assessment" for over two months. The rental company has a claim specialist asking me for an update every week. I've tried contacting RentalCover multiple times through email, chat, and the contact form but I've never heard back for an update on what's going on. They have no phone number available to speak with a person. I'm not sure what to do. I'm afraid the rental company will demand payment, but the rental insurance is completely unresponsive. Do I just keep waiting? Get a lawyer? Try to claim with my normal insurance? Edit: the accident occured in Colorado.

My girl will be 8 in October. Premium went up last month but nothing too crazy yet. She has a very slight heart murmur that’s not affecting her (yet) and hip dysplasia, so I’m very concerned that if I switch those won’t be covered since they’re pre existing. But it sounds like Healthy Paws will be too expensive in a couple years anyway. Does anyone know of any insurance that does cover pre existing conditions?? (That’s probably a stupid question.) Should I switch now before something else comes up?? If so, what other insurances are good?

Hi, i currently have All State for the one side of a duplex that i own. But they only cover up to the stud work. No structural. I've asked them numerous times how do i insure the structure but i get no real answer. How do i get structural insurance, foundation, frame, roof & then the rest MEP etc as the owner of one side of a duplex?

I was in a car accident other driver t boned me they ran a red light stated in police report today I got a denial letter from their insurance saying their party isn't at fault they said their driver states their light was green even though on police report states other also witness statement said my light was green and she ran red light unsure what to do I have liability unfortunately. In VA I want to sue her I just don't know where to start I suffered a concussion my son suffered minor injuries but we do have 5K in medical bills my car was towed which tow company took possession since I didn't pay to take it out they auctioned it off.