I’m a mechanic and I was test driving a customers vehicle which belonged to a Tree Service company. I pulled out in front of a DHL van and she t boned me. Police were called and a report was filed. Now, I received a letter from Sedgwick saying they reviewed MY claim on the DHL account and denied it. I never filed a claim nor did I give the police my insurance, they wanted the tree service insurance, but I did give them my license. I don’t know if the tree service filed a claim, but why would they send me a letter? Should I respond to this? Is this a scam?

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’ve been with USAA all my driving life and I’ve grown fed up with the high prices. So I’m switching to Erie and it goes active on the 28th. My USAA bill is due the 31st so when would be the best day to cancel? I’m not sure if I should call tomorrow or call them on the 27th. This is the first time I’ve ever switched insurances like this.

NY - Liberty Mutual Got into a car accident in February. My dad was late to pick me up from work so I had to take the car to get there on time. Otherwise, I don't usually drive at all. I'm not listed as a driver on his insurance. Luckily, we had dashcam footage to show it wasnt my fault. The other driver's insurance sent a check for $2,800.00 to our insurance, but our insurance is refusing to give it to us for "lying" about me driving the car. Are they legally allowed to do this?

I currently have Progressive but they just jacked up rates without even a "hey we are going to raise your premium from next month". Erie Insurance is highly recommended but they seem to have strict criteria such as 3 year residency status (which is what an agent told me) hence am looking for other options. I am looking for good customer service - does not give you the run around when you need them. Decent prices. I am not looking for the lowest rates but at the same time something that is fair. And transparent. I kinda feel cheated by Progressive who slyly raised the rates. Am based in PA if that matters. Any suggestions welcome. Thank you.

I am a 33y/o female in NYC and found out today that my enrollment into medical insurance through my employer didn’t save. i have not been covered for the last 3 months and im worried something could happen where i need it. I just looked at quotes for individual coverage and at my income level of $140k the lowest cost plan was $700 per month. I’m getting married in August and since that’s a qualifying life event i’m wondering if i have any options other than get legally married early or pay the $700. i’ve reached out to HR for other enrollment related things in the past and they wouldn’t budge in the slightest so don’t expect any workarounds with my companies insurance which is Anthem. Advice desperately needed :(

I used to be insured by them and never had any accidents. I called roadside assistance once in 2022 because my tire had completely come off the wheel while my boyfriend was driving us back from the airport. Nothing happened, no crashes or collisions or injuries. We literally just pulled over and I wanted to see if someone could help us get another tire. I don’t recall what i said on the phone after explaining the situation but we didn’t end up getting help through my roadside assistance. Never heard a peep from geico about the incident. When they jacked up my rate almost 3x 2 year later and i asked why they didn’t have a reason, certainly not this “unreported accident,” but just said i was flagged as a high risk driver. I assumed at the time it was related to my drive easy habits. Now i am with progressive but was thinking of switching back. The quote i got was reasonable, and right before i could purchase they asked me about this unreported incident involving my boyfriend and whether he was driver on my policy when it happened. He recently signed up with geico but i’m not sure how they connected his name because i don’t think they even asked when I called roadside, and he definitely didn’t report it. I just find this very bizarre because they hadn’t asked me about this at all when I was under their insurance but now it’s being used as a reason to increase my policy quote.

Location: cook county, Illinois I was recently involved in a car accident. I was stopped at a stop sign, behind the white line and on my side of the road. I was waiting to turn left. Another driver who was driving on the perpendicular road ended up making a left hand turn on the road I was on. She ended up hitting me by driving head on into me. After she hit me I approached her vehicle and in a non aggressive way (however I was irritable) I asked why she hit me/ how she did not see me? She claimed she was distracted by her daughter and simply did not see me and hit me head on. She was very apologetic and admitted fault. I contacted non emergency police to come to the scene so we could exchange info. When police arrived they took our statements and the report states I was at the stop sign and driver admitted not seeing me and hitting me. The report also states I was not obstructing any road ways or her lane of travel. I figured this was pretty clear cut. However I recently found out through my insurance company that the other drivers insurance is now denying taking liability and claiming I am at fault because the driver is now reporting to her insurance company that I was in her lane and not giving her enough room to make the turn. Even though police report states the opposite and she admitted that she hit me to police because she didn’t see me. The police also stated in their report that she was at fault. The husband of the driver who was not present at the scene reached out to me via text the day after the accident to apologize for his wife hitting my car and requesting to fix my car by not going through insurance because he did not want his rates to go up. I did not respond to his text and simply just started the claim through my insurance. I am speculating this angered him and he is now encouraging his wife to change the story to now find me at fault. I obtained a copy of the police report and I am currently waiting on the body cam footage from the police that recorded our statements that night of the accent as proof that the other driver admitted fault to submit to my insurance since the claim is now in the arbitration process. I also sent screenshots of the text message the husband sent me as further proof as an admission of guilt to my insurance. I am curious, I know at this point the insurance companies are dueling this out and will present my proof to a third party and the decisions will eventually be made to determine who is at fault if I am understanding that correctly. But is there anything else that can be done? Can I go after the other driver for providing fraudulent information/ lying to her insurance? Or will that be determined in the arbitration process? Her insurance claimed they did a “careful investigation” and are denying my claim because they find me at fault. However it does not sound like her insurance obtained the police report so I am unclear as to how they performed a “careful investigation”. Lastly, is anyone able to provide any insight into the likelihood of me winning this arbitration case and if there is anything else I can/should do?

I've been a loyal Farmers/Foremost customer for 10 years, claim free. But when I had interior drywall damage, they wouldn't cover anywhere near the cost of the repairs. I gathered three quotes, but the Farmers Rep said they were all "unreasonable" and suggested I keep looking for cheaper options. My rep told me he basically punches numbers into a computer, and that spits out the estimate. He doesn't actually talk to contractors, just does "what the computer tells him". Anyone else experienced something similar with Farmers or other insurance companies? If so, open to sharing about it?

Got the new 2025 Auto Insurance invoice from Erie Insurance. The only thing I can figure is one of my adult sons hit an unknown object lying in the middle of the turnpike late at night that resulted in some damage to one of our cars. It wasn't anyone's fault and Erie ended up paying out about $3,500 for repairs. But I don't think that justifies such a huge rate increase for each vehicle!!! **Anyone else get huge price jumps from Erie Insurance?** \_\_\_\_\_\_\_\_\_2013 Accord| 2010 LaCrosse| 2013 Sienna| 2021 Accord| 2017 Accord| 2024 Cost|        $ 436.00|        $ 207.00|        $ 326.00|        $ 368.00|        $ 371.00| 2025 Cost|        $ 634.00|        $ 337.00|        $ 733.00|        $ 699.00|        $ 596.00| % Increase\_\_\_\_\_\_+45%\_\_\_\_\_\_\_\_\_+63%\_\_\_\_\_\_\_\_+125%\_\_\_\_\_\_\_\_+90%\_\_\_\_\_\_\_\_+61%