Hi, I had an accident in early May. A man smashed into the back of me while I was stopped with the indicator on to turn right. The car is driveable but its not driving normally. We exchanged details but then he went quiet so I completed an insurance claim with Youi, my insurance company. I do not have Preferred Repairer on my policy so I went to see a Youi I referred smash repair. Every step of the way I have followed their process and respond straight away with everything. I have taken the first available inspection and appointment with the repair shop. Then, on the day (July 1) I was to take my car in for repair, the repair shop tells me that I can't bring the car in because they still don't have the parts. I have contacted them again and they have said they still cannot tell me when I can bring my car in for repair. They're still waiting for parts. I am just looking for some advice on a couple of things. Is this a long time to wait to have a car repaired? Is it likely that parts can take weeks and weeks to arrive? Its for a 8yr old Lexus. Is there anything else I can do? I have asked Youi if I can just take the car to Lexus to be repaired but they said no because their preferred repairer has already ordered the parts. I just want my car fixed.

Brief background: My boss lives in a private gated community. Last week a resident neighbour was driving out of the grounds, and as she was going through the gate one of our staff walked in front of the gate. I honestly don't know what happened but her car was damaged as the gate closed on her car. The neighbour said our team member was at fault. The gate mechanism is absolutely faulty and to blame. My boss said just to settle it and we paid her 1k for the damage (she got a garage quote). Now the community public liability insurance is saying that because we amicably settled with the Third Party, no claim by us will be entertained. I know that by rights the neighbour should have claimed on the community insurance, but my boss just wanted it dealt with and didn't want animosity with a neighbour. Do we have any recourse with the insurance company? My next plan will be legal action against the property managers, but I'd prefer not to go down that road! Edit: spelling

So I have had AmFam insurance through Costco (live in Wisconsin) for a couple of yrs which comes with with a few perks that I thought would be helpful; non-deductible coverage for 1k to fix a window and $100 for locksmith if you get locked out. Well, in the span of 6 months I ended up using both of these but didn't know they get filled as claims against my insurance. Fast forward 6 months, and I just a notice of Non-Renewal because I have had 3 claims in the last 3yrs (I've a claim bcuz of lost baggage 3yrs ago). I'm calling around and getting a lot of refusals and getting a bit scared that I won't find coverage for the house. I tried appealing the decision but that didn't work either Is there any way I can drop these AmFam claims? Or known companies that would still cover here?

For the past 507 days, I’ve been dealing nonstop with AAA Insurance over my BMW X5 M. In July 2023, my car was repossessed (shit happens), but I got it redeemed in September. When I picked it up from Sacramento, multiple dashboard warning lights were on, and it smelled like something was burning. I later found out the repo guy towed my all-wheel drive vehicle by two tires from Chico to Sacramento — completely destroying the transfer case. These types of cars are supposed to be flat-bedded. I got nowhere with the repo company, so I filed a claim with my insurance (AAA) and brought the car to BMW Pajouh/Courtesy Automotive in Chico. It was in their shop from September 11 to November 3 for repairs. Then in February 2024, it started feeling like my tire was going to fall off. I took it back to BMW Chico and got a rental car from them while they looked at it. A couple days later, Nick, the service advisor (not the same one who helped during the first repair), called and asked what the issues were. I had already told them that when I dropped it off, so I was annoyed. The next day, he called again and said, “Whoever did your transfer case didn’t do it correctly.” I reminded him it was their shop that had done the work, and it had been an insurance repair — so the claim should be reopened. A few weeks went by, then I got a call from the AAA adjuster saying the new estimate was too high and they were going to total the car. I told them I would be getting a second opinion from a specialty European shop. I wasn’t able to take the car there until the following week, but I made sure to notify both BMW Chico and AAA. Then a few days later, I started getting calls and texts from both BMW and CoPart, saying they needed my authorization to tow the car to CoPart (a salvage yard). I told them I hadn’t signed anything and had NOT agreed to the total loss — I was still getting a second opinion. Later that night, I went outside and noticed the BMW rental car was gone from my parking space. I ran upstairs thinking I had left the key fob in the car and it got stolen, but it was still in my purse. My daughter reminded me my spare house keys were in the rental, and they had an AirTag on them. I checked FindMy, and sure enough — it pinged at BMW Chico. I called the dealership, and the front desk guy acted clueless. I told him my AirTag showed the car was there. He suddenly put me on hold. A few minutes later, he came back and transferred me to Michael Mumbus, the director. Mumbus told me they removed the car because they don’t allow loaners past 30 days — but it had only been 29 days, and no one had said a word to me about any rental limit. The next day I went down there to pick up my belongings from the car. I came prepared and was recording everything. Mumbus got heated with me, accused me of “holding the key fob hostage,” and said I owed them $650. I had the key fob with me, ready to return it. Then he hit me with it — “Your BMW is gone. CoPart towed it yesterday.” Blaming AAA for giving the consent. They took my car without any consent or authorization. One of the staff members handed me a printout of the repair documentation. That’s when I found out they had installed a junked transfer case in my vehicle — not remanufactured, not OEM, just a used one from a salvage yard. And my insurance policy clearly included OEM endorsement, meaning it should have been brand new from BMW. That’s when I realized not only had they done a terrible job, they had completely violated my policy. I immediately put a hold on the car at CoPart, telling them they had no legal right to it. That gave me time to start digging deeper. Over the course of the year, I reached out to more than 100 lawyers. Every single one said no. They didn’t want to go up against AAA or BMW — said it wasn’t worth the fight. So I kept pushing. I requested every document from AAA and went through everything line by line. That’s when I noticed a payment made to CoPart for $7,000 in “storage fees” — which made no sense. I filed formal complaints with: • California Department of Insurance • Bureau of Automotive Repair And then — this morning — I got the call. AAA told me they had good news: • I can take my car to any shop that does mechanical work and paint (it was severely oxidized from sitting outside this whole time)— and they’re covering all of it. • They’re paying me $35/day for 507 days of loss of use. • They’re removing the salvage title and returning the clean title back into my name. • And… the car is paid off. DMV will take 3–6 months to process the title, but I can wait. I honestly don’t know how this kind of shit always ends up happening to me, but one thing I know for sure — I never stop fighting. It’s exhausting. It’s stressful. It feels impossible. But I do not give up.

Last year, my home was hit by a vehicle and became unlivable. I was advised to create a claim with my insurance company. I had a disaster restoration company come out, provide a quote, paperwork signed, my insurance paid out a portion of the estimated total, I paid the deposit to the restoration company out of that. That was six months ago and no work has started, and here is (allegedly) why: 1. My siding has asbestos. Contractor says they cannot fix the damage without disrupting the asbestos on the two undamaged sides, therefore insurance needs to pay for four replacement sides, not two. According to contractor, this is an EPA regulation. Insurance says because it’s not township code, it doesn’t matter and they will only cover two sides. 2. My hardwood flooring is original to 1950 and has no subfloor. The subcontractors won’t fix without installing subfloor, as the type of hardwood used in 1950 does not exist and today’s would not be strong enough. Insurance will only cover fixing the damaged area, which means I will have a visible difference and seam in the hardwood. Again, because it is not code, Insurance is pushing back. I have not received an actual denial letter, I’m just being told by the adjuster that nothing is happening. I requested to escalate to a supervisor two weeks ago, still no updates. I’m overwhelmed and I’ve been out of my home for more than six months. Questions: 1. Do I need an attorney, and if so, what kind? Google hasn’t been helpful. 2. Am I within my rights to get a new quote for the siding and hardwood flooring separate from the other repairs? 3. Why is this going through my insurance and not the insurance of driver who hit the house? I only filed with my insurance because I was panicked and a neighbor told me to, and I’d rather argue with the bad guy’s adjuster instead of mine. I feel like I have to play nice with everyone, but the anger and resentment and frustration is building.

Earlier this year, I was involved in an accident where I was side swiped by a gardener truck. I was on a residential street and slowed down to look for parking. The gardener truck was behind me but decided to pass me, and when I drove forward a little to park further up, the truck merged back into my lane and struck my car with the equipment hanging off its trunk. They sustained no damages while my drivers side window shattered, mirror broke off, and fender/door sustained damages. Around 2 months ago, we received a letter from their insurance saying they assessed 55% negligence on their insured driver and 45% on me. They were also willing to pay for 55% of my damages. My insurance decided to take them to arbitration. During this time I received 2 letters from my representative. The first said that while the other insurance company has accepted full responsibility for the accident, they have not been able to reach a settlement for damages paid. I then received a second letter a month later saying that the arbitrator has ruled in favor of the other party. This seemed like a complete 180. I was shocked to learn of their final decision and emailed my representative asking if any of my $1,000 deductible would be recovered. She said no and sent me a copy of the arbitration decision which stated the following duties breached on my end: vehicle failed to keep appropriate lookout and they failed to maintain safe parking maneuvering. Is there anything I can do at this point? I know the arbitration decision is binding and final but I am honestly just stunned, especially because it felt like the truck failed to safely pass my car. I spoke with my insurance and they said my premium will most likely double. Is this fair?

Hey everyone, We recently adopted a puppy from a rescue center, and he’s been such a sweet little guy. On the same day we brought him home, we also signed up for pet insurance with Pets Best Insurance because I read a lot of good reviews. Unfortunately, just about five days later, he got really sick and was diagnosed with puppy strangles. He’s been on corticosteroids for the past three weeks now, and we’ve had multiple vet visits—for treatment, vaccinations, and other related care. So far, I’ve paid around $1,000 out of pocket. I submitted a claim to the insurance company, but they rejected it, saying it falls within the waiting period. I get that there’s a waiting period, but we had no idea he was going to get sick when we signed up for the policy. Has anyone else dealt with something like this? Is there any way to appeal or get around the waiting period issue? Also, if I switch to another insurance provider now, will this count as a pre-existing condition, and will they refuse to cover anything related to this illness? Appreciate any advice or shared experiences—just trying to navigate this unexpected situation the best I can. Thanks!

Had 2 trees uproot one June 19th, one which put a big gouge in the roof and another broke a window in the family room. We have Erie Insurance, so this was in the middle of their IT outage. Luckily, we had ServPro button up the house pretty quickly. Erie was good with that, even though it took a week to get a claim number for ServPro. But after that, things have been moving at a glacial pace. Erie reached out on June 30th to say they were assigning a field adjuster. That adjuster finally showed up on July 7th. They mentioned putting the need for a structural engineer to look at the roof trusses, and they would put that in their report. They said it would take 2-3 days before the report would be shared with us. When we contacted Erie on Friday, July 11th regarding our report … our desk adjuster is out of office until Wednesday the 16th!!! Is this kind of timeline typical? I know the they had an outage. But it’s been almost a month since the incident. And between clearing the huge trees, the structural engineer, and time for the actual repairs … it will be at least another month before the house is repaired.

First time posting on this sub, and this topic is difficult to search, so sorry in advance if it is redundant. Tried posting a similar thing on greenbuildingadvisor, but they're not much focused on insurance, though did get some good feedback. I just got the latest in a series of substantial increases in our homeowner's insurance premium from AmFam, this time a 42% raise. No claims, ever, and we don't live in a state with hurricanes/fires. This is not me whinging about yearly increases (though it's certainly not my favorite email this week). Our case is somewhat different in that if we were to have a total loss, we would build back much smaller than the current size of our home. So what we would actually need is around 50% less than calculated by AmFam. But AmFam won't give us a quote that represents that goal, they will just go based on their algorithmic calculation of building back as is, 100%. I know we need to maintain at least as much coverage as our outstanding mortgage balance, which right now is about 40% of AmFam's calculated 100% replacement value. So that is our floor, but we would probably be looking at 50% as the level we would want. It has been a challenge to find insurers willing to create policies that insure for less than their calculated as-is replacement cost. One option I found was American Modern, but I got distracted after talking to their agent 6 months ago, and I have read some terrible reviews for them. The recent AmFam increase caused me to be undistracted again. So my question: Does anyone have recommendations for processes or companies that will help achieve my goal of getting a policy with a 50% replacement cost? As an aside: if efficiency and sufficiency are sometimes goals with building (obviously not for everyone), it seems like it should be more straight forward to build back smaller in the case of a total loss, but the insurance part of that equation is really geared toward as big or bigger.