I was rear ended by a driver with an out of state license, but his truck is registered in this state (Texas), he seemed to be a shady individual as well to me when dealing with him. The police came and wrote a report but it didn’t technically put him at fault even though he rear ended me. I did however get him on video admitting he was at fault. I filed the claim with his insurance, but it was a slow response from them. I went ahead and filed with mine to get the ball rolling because I needed to get it fixed. Well turns out that was a good move because come to find out he wasn’t covered by his insurance company at the time. So basically he got away with having no insurance when the police arrived because he had a paper saying he did. My question is now that my truck is fixed and back to normal, I received a diminution in value evaluation form from my insurance company for me to fill out. Is this to provide a compensation due to my truck now losing some value to the accident? It had never been in an accident previously so what can I expect towards compensation based on the value of the truck. Its KBB value ranges from $15-$19k. It’s in excellent condition though. How would diminution work according to that? Will my insurance company send me a check or something? Also on a side note, can I contact the police to inform them that his insurance company called me and said that he was not covered at the time? Could they pursue a ticket to him even though he has an out of state license?

My insurer (Admiral) got in touch with me late last week advising me of a claim on my account that I needed to check. Unfortunately I was on holiday so have only had a chance to look into it today. However, I haven't been involved in any incidents at all - ever. I've never hit another car, had an accident, or been involved in a crash. My car has zero damage, no bumps or scrapes, even the paintwork is pristine (I use it infrequently) I've never once claimed on insurance, or even needed to. I checked the claim date and I happened to be travelling to London and back that day from Birmingham for work (my once in a lifetime trip, last minute so couldn't catch a train conveniently). I can say for sure that I wasn't involved in an incident that day as I spent it all either on a motorway or parked at a hotel attending a conference. The claim itself has no information attached for me to refute. I haven't had a chance to call them yet (it's on my to-do list for later today) but have emailed them asking for more information/clarity. What do I do from here? I'm confused, surprised, frustrated, and very worried that it's going to affect my insurance or future costs. Is it a fraudulent claim, or have I been claimed against in error? Any advice is much appreciate :)

In May, I rearended another vehicle. My fault, I'm a dumbass. The damage was to my left front bumper, which was pushed back into the tire, the left front fender, and left headlamp. At the scene, the truck was not drivable due to the bumper being pushed into the tire, so I called a tow truck. The tow driver showed up and offered that rather than towing, he could hook his winch to the front bumper and pull it out to make the truck drivable again. I was good with that plan and it saved money for the insurance company on the tow bill. A couple days later, I take the truck to the insurance company's DRP shop. I told them all of the above. A couple weeks go by, I go to pick the truck up. They fixed everything EXCEPT the left fender, saying that the damage was unrelated due to a "soft impact". No one from the insurance company ever called to discuss. In reality, the fender looked dented in from partial reformation when the bumper was winched out. But again, no one ever called for the partial denial of damages and just left it to the body shop to tell me. So I filed a DOI complaint citing the lack of investigation by the adjuster. The DOI rep never called me but closed the case, stating that the insurance company did nothing wrong. The DOI letter cited the appraisal clause in the policy, however, at this point I'm more angry about the lack of communication and investigation by the adjuster as it was very shoddy and incomplete work. I also don't think hiring an appraiser would be particularly effective in arguing related damages (but maybe I'm wrong?). I don't think I'm able to sue over damages due to the appraisa clause in the policy but would prefer to sue for bad faith. Or maybe I should just walk away and pay to have my fender repaired? Anyone have experience here or ideas on what I should do?

I have met my Medicare deductible. I have plan G Medicare supplement which pays all co-pays, etc. I am being billed by a doctor’s office in spite of the fact that I have no further liability for co-pays. What is the best way to resolve this as the doctors office keep sending me a bill.

I've had a Hagerty policy for about 4 years on my B5 S4. For context, I live on Long Island, NY. Around December of last year I made a decision to remove the insurance and plates from the vehicle due to other priorities in life. Over the years, my annual policy rate typically ranged between $600 to $720 with an agreed upon value of $15k. Deductibles were $500 and property damage / bodily injury was set to $100k/300k with supplemental at $50k. The time has come to get insurance and plates for the car, again. I got a quote from Hagerty yesterday and it came up to $2370 per year! The policy was configured identically to the last quote I received for renewal in February of 2025 which was quoted at $719 for the year. My driving record, credit score and address is the same. I called up to have someone review and validate that I have configured the quote criteria exactly as the recently canceled policy. The Hagerty rep confirmed the policy configuration and was also shocked by the difference in the quote. She mentioned that there was an increase recently to all NY issued policies but she did not have any other value added info. Do any of you fellow redditors have a recommendation for a specialty vehicle policy with other companies? I filled out an additional application with Grundy that is currently under review.

Hello all! I was a passenger in a non at fault accident two years ago. My lawyer filed with the person that hit us, and then used my underinsured at the time too (with geico). We just switched insruance and our 6 month premium is 300 dollars more than if I didn't have that claim 2 years ago. Is it normal to have my car insurnace go up because of a non-at fault claim where I was a passenger? Thank you!

When I bought my car in 2022 i was living with my dad in florida and he signed for the car with me, in order to bring my payments down a bit the dealer recommended he be listed as the owner and i am the co-owner. I have since moved to Illinois and I was looking to bring down my insurance by getting my own policy, but he ended up receiving a threat to suspend his license for the car not being insured even though it was, so i just added him to my policy anyway. Now I’m trying to get a new policy because unfortunately my dads been in like 3 accidents in the last few years so State Farm dropped me after i added him on. Does anyone know if the primary owner HAS to be insured even if across the country or if he could file something specific proving insurance without him being listed? Or would i be able to just make myself the primary owner even though i’m still financing the car?

Hi all, Unfortunately, someone (without insurance) hit my parked car earlier this month. I have their information and going through a claim now with progressive to get my car fixed. I assumed even though I was not at fault that my insurance would go up, but I just paid in full in June for the next 6 months and progressive just sent me a bill for $250 due in August? This seems a little crazy! I didn't think it would go up that much, nor did I think I would already have to pay a premium, thought this would be at renewal. Please let me know what I should do. Thanks!

I emailed Geico to cancel my auto insurance policy on Wednesday and sent them proof that the car was disposed of. I asked for a prorated refund backdated to the date of disposal. I haven't received any email confirmation or anything as of Sunday. I can’t do this online because they don’t allow backdating online. How long should I wait before calling?

This question is more a curiosity than anything. I have a dead 25-30’ tree leaning towards my house and an arborist confirmed it is an imminent to my home and must be removed. When I contacted my homeowners insurance, they said they would only cover damage to my roof if the tree fell, but wouldn’t cover the removal of the tree. What’s the logic behind this? I’m sure some actuary determined it just cheaper to deal with the roof, but the face value cost of replacing likely my entire roof versus the cost of removing the tree it seems like a no-brainer. I’ve already accepted that I’ll need to pay for it, I’m just curious if any insider insurance folks can clue me into the reasoning here. Thanks! ETA: Okay, I get it now. Thanks to all the folks who gave helpful responses, it cleared up a lot and might have saved me from a big headache!