Hello, I was involved in an accident and I’m currently waiting to be reimbursed by the insurance of the person who hit my car (the 3p insurance). However their policy limit doesn’t cover how much my car is worth. I am trying to retain the car as salvaged because it is my only source of transportation. The 3p insurance is sending the lienholder $15,000 (customer’s policy limit) but the remaining balance is mine to cover ($6,380). However my lienholder says they won’t send the letter of guarantee to the insurance until the remaining balance is covered ($6,380) meaning the 3p insurance cannot send the $15,000. I have gap insurance and I expected them to cover the remaining balance but they said they won’t pay until the $15,000 is sent from the 3p insurance and they see the letter of guarantee. Does anyone know if there is a workaround where I keep the vehicle having to pay ($6,380) out of pocket? Please let me know. Thanks!

TL;DR: Be nice and…get yo money?? I made a post a few days ago about how I was seeking compensation for the stress caused my the mishandling and lying committed by the at fault drivers insurance. This was my first car accident, so I’ve never dealt with the claims side of insurance. I explained how it’s my understanding they were in violation of the Unfair Claims Settlement Practices Act and how when I finally got ahold of the other insurances adjuster, he made multiple false statements (which his supervisor confirmed were untrue statements). For many reasons told and untold, this was stressful. I made a post explaining how I was seeking compensation for the stress caused by the mishandling of this claim and asked what the chances were that I’d get compensation. I came here seeking genuine answers and instead I received belittling comments, essentially saying “you will receive nothing you dumb fuck.” Well…I just received an email today from the insurance agreeing to pay exactly the amount I asked for. While I get things take time, not hearing a single word from the other insurance for almost two months when their own policy says they reply within one business day, and making multiple unnecessary false statements is not right. Making belittling comments to someone is also not right. My point is, be nicer. Don’t join a subreddit where people are seeking genuine answers if you can’t give them, or simply don’t comment. AND, if an insurance company got you feeling stressed, take a chance. It might literally pay off.

My Honda CRV 2018 , 48k mileage was rear ended. Bumper damage and tail gate damage. Adjuster estimates says 3.5 K , the auto body shop says repair cost of 14.5 K and insurance company wants to do total loss and settlement of 21k. The shop **initially quoted $3,327.12**, but **after a deeper inspection**, the full cost is now estimated at **$14,412.00**. * This includes **parts ($7,059)**, **labor (body, paint, mechanical)**, **paint supplies**, **miscellaneous charges**, and **sales + county taxes**. # 🧾 What Was Added That Drove Up Cost? Here are some **major cost drivers** from the supplement: 1. **Rear Floor Pan Replacement**: * Part: $1,408.27 * Labor: 29 hours (!!!) * Paint: 2.5 hours 🔥 This is a **huge contributor**. Frame/floor pan replacement is structural and complex. 2. **Lift Gate Replacement**: * Part: $1,701.68 * Paint + labor included 🚨 Signals **major rear-end impact** 3. **Rear Body Panel**: * Part: $877.58 * Requires alignment and seam sealing 4. **Multiple panel repairs, refinishing, seam sealing, underbody work** 5. **Parts & Hardware**: * Several **aftermarket parts** were used to reduce cost (bumper cover, impact bar, moldings) * OEM parts were selectively used (e.g., optional OEM upper molding for $428.48) I am surprised with the high estimate. should I accept total loss and take 21K? anyway to negotiate higher. I was really not set for this time for another car purchase. My daughter is ready for college this fall was busy to manage her finance for college. should I try second opinion from another mechanic.

I've posted about my claim before. Insurance company low balled me on the settlement for my stolen car. Offered me 23k total I didn't agree, they didn't want to negotiate and told me to invoke appraisal clause. They rep calls we over a week later and told me good news their appraiser came up with 26k and something. Told me I don't have to get an appraiser anymore. Sounded good to me. Next day I get a call, they made a mistake and weren't supposed to tell me that amount since that's the amount their appraiser came up with for when I actually invoke the appraisal clause. I'm confused so I have two questions: Can they legally backtrack like that after they already told me I didn't have to get an appraiser and the amount they were at? And also, technically if I get an appraiser he or she should be able to get me more than their estimate right?

Travelers Home Insurance. Claim filed 6/3. 1st agent came 6/11 and my roofing contractor was present. He quit the company the following week. New guy assigned. Came 6/27 then went on vacation. A few weeks later he calls and mentioned he wants an engineer to look at the roof because he agrees there is hail damage but doesn’t agree it’s a full roof rebuild. Fine. 7/16 engineer comes out. Contractor present. It rains before he took photos, so he has to come back on 7/21. Fine. It’s August 5 and the travelers insurance guy says he still doesn’t have the engineer report. Is this timeline normal for a claim like this? Does this breech the law that states 30 days for insurance claims to be investigated?

So someone hit me yesterday on the highway, totalled my car and injured me pretty badly. Since I was hurt the officers rushed me into an ambulance before I could exchange information. one of the officers told me that he could provide me with the other drivers information after I got care and he gave me his card to call him, it has the case no. as well. Now today I call, they’re telling me that they cannot give that information out until the crash report is done and that they’re waiting on a signature. So I’m stumped, but like ok, I’ll just keep checking and then I’ll file. AND THEN as soon as I get off the phone I got a call from *my* insurance. The driver that hit me, somehow has my insurance and information and he filed a claim against my insurance. Basically saying my story exactly, trying to claim I hit him. What can I do from this point? I could try to hire an attorney, but without having his information I’m stressing that I’m going to get screwed. 😭

This is a bit lengthy, but I would genuinely appreciate help figuring out this (apparently) complex and unusual situation. My car was parked in a spot next to my house when it was damaged by a van. I happen to have video showing the entire thing, and there is no question that the door of the other vehicle caused the damage - police and insurance company have made that determination. Seems simple enough BUT my insurance company is suddenly all flippy floppy over who is at fault. The van, which was disabled, was unloaded from a tow truck. While the owner of the van pushed the vehicle, the tow truck driver steered the van backwards from the bed of the truck into the parking spot next to mine. While he is steering and looking over his shoulder, the van’s driver’s door is open and grinds into the rear side of my car. Both of them pause when the door hits my car, looking at each other like “whoops… let’s pretend that didn’t happen”. Neither of them notice my camera, and they do no leave a note or contact the police. That is super rude and illegal, but not likely relevant to this post. So, Henrico (VA) Police Officer files a report and says the tow truck driver is at fault. I assumed the owner of the van would be responsible, but two friends of mine who are attorneys also believe the tow company is responsible. When I contacted the towing company, they sent someone out who said they weren’t admitting fault, but if the company’s owner reviewed the video and saw that what I told them is indeed what happened, they would prefer to pay out of pocket rather than go through insurance. Not once did they say anything about it possibly being the van owner’s responsibility. My initial communication with my insurance company supported what everyone else said: the towing company is responsible. Their next step was to contact them and get their insurance information. After not hearing back from them for several weeks, I called this afternoon and asked for an update. The first person I spoke with said it looked like my adjuster had only done one thing since my claim was filed: type a note stating the towing company uses the same auto insurance company that I do. She looked through all of the evidence I’d submitted and, after viewing the video, she said she didn’t understand why this had not already been resolved. She then gave me the phone number for my adjuster’s manager. I get ahold of the manager and I asked her to please let me know what’s going on, and if there was at least a new claim against the towing company in motion. She said “I think this needs to go through the van owner’s insurance. The tow company’s insurance isn’t going to pay this claim”. She said she’ll call me when she’s had time to thoroughly review the claim. I would love thoughts from anyone who has worked in auto insurance, has had a similar experience, is a professional or recreational attorney, loves deciphering motor and insurance laws, or is just hella good at navigating these issues. *I’m in Virginia*

I have been paying for Embrace Pet Insurance for nearly a year. I submitted a claim recently and apparently I was supposed to get my dogs an exam BEFORE the policy began. The dogs had an exam 16 days after the policy began. Now they are refusing to pay claims despite the fact that they happily took my money for the last year. These people are scammers. Beware!

I have a 2012 Prius V that was totaled in an accident. It has 40k miles on it (I got it from an eldery couple who almost never drove it). The insurance company came back with 3 comparison vehicles, all were same year/make but all have 90-100k miles. They are saying that the "adjustment" of value for the mileage difference is only $1500... Does that seem right?

Repost 😆 I was rear ended at a light…luckily I was the only one in the car. The other driver accepted liability and I’m going through their insurance. I did get whiplash which I could feel a bit after the accident along with a bad headache. The pain is lingering a few weeks later now in my neck and shoulder. The injury claim adjuster offered $500 to sign an injury release. I want to avoid lawyers and running up medical bills etc for an injury that will likely heal over time. From industry experts or others with similar experience, what’s a fair settlement?