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.

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?

So when I bought my first car under my parents insurance I was paying them $200 a month. I had one minor accident, no speeding tickets however I did have window tint tickets I forgot to pay after I sold the car shortly after. Not paying those caused my license to be suspended so I applied for quotes and got crazy responses like $1100 a month from geico. I see ppl here suggest insurance brokers often as a last resort so that’s what I did. Got 2 diff quotes of $411 and $398. Since I had already bought the car and needed insurance asap I took it. But my question is do I really have to pay 50% of the cars value in insurance annually? Is this really my life from now on? Or will it be a bit better now that I’ve unsuspended my license CAR IS A 2012 ACURA TL SH AWD btw Location: NY 25yo male TL;DR: Bought expensive $400 insurance when my license was suspended. Can I get cheap insurance since I unsuspended it 2 days later? Or not because of my one minor accident 3 years ago

I’m buying a car tomorrow and don’t have auto insurance. The only company that is offering the option for next day insurance in my state is Geico. I’ve heard it’s horrible and would like to shop around more but need insurance to take the car off the lot tomorrow (obviously). Can I pay one month for Geico and then cancel the policy once I find something better? Planning to work with a broker. Thanks for the advice. I haven’t owned a car in 10 years (lived in a walking city) so am trying to figure this all out.

I unenrolled from snapshot because it was tracking a majority of instances where I wasn’t the driver. Do you think they will increase my insurance based on the data they have already? It’s only 14 days worth.

Seeking advice from folks involved in the auto insurance industry... A bit of background. We've been insured with State Farm continuously for over 30 years, getting both home and auto insurance from them. A couple of weeks ago we received a notice that they were dropping us from our auto coverage because there were 4 claims on our record: 1. An accident where my wife was at fault, where she hit a car in a parking lot. Our insurance ended up paying out about $3,000 for that accident (mostly to other driver.. very little damage to our car) 2. An accident where my 17 year old daughter rear-ended another car at low speed. There was minimal damage to the other vehicle (scratches on the bumper) but due to the age of the car my daughter was driving, the amount of damage to her car was high enough that the vehicle was totaled, and the insurance paid about $6k to us for the totaled vehicle. 3. My older daughter was riding her bike (pedaled bike, not a motorcycle) 4 years ago and was hit by a car who illegally ran a stop sign. The other driver was found to be fully at fault, and State Farm paid absolutely nothing for that claim to anyone. In Texas apparently anytime there is an accident with a bike and police are called, it gets reported to your insurance. 4. My older driver was riding her bike again 2 years ago and was again hit by a car who rear ended her as she was legally riding on a city street. Again, the other driver was found to be fully at fault, and State Farm paid absolutely nothing for that claim. State Farm said that those 4 accidents were enough to drop us from coverage. (Technically, it's a non-renew, when our policy ends in about 3 weeks.) While I personally strongly disagree with them considering the 2 bike accidents, their representative told me that they are within their rights to do so, and that they have indeed done so, and that "there is nothing you can do to appeal". That upsets me, but that actually isn't my question! Because we're being dropped, we've searched for alternative insurance. I have obtained quotes from a variety of companies, and found that Progressive is offering coverage that is comparable (actually, a little better) than the State Farm coverage we had, at a fairly significant reduction in cost over what we had been paying State Farm, so we're switching as soon as our current term with State Farm ends in a few weeks. On one of our vehicles that is currently insured (with comprehensive and collision coverage), we sustained hail damage on the car a couple of years ago, resulting in dents to a number of the body panels and a crack in the windshield. None of these things bothered us that much, and we've just let them go. However, we are considering filing a claim for that damage before we leave State Farm and getting them repaired. I'm not sure what the total cost will be, and it's a somewhat older car, so I'm worried that MAYBE the cost of repairs could end up reaching the dollar threshold where they would total the car, but there is nothing whatsoever else wrong with the car. Here's my real question: If we did file this claim with State Farm before we leave them, is there a potential that this could come back to bite us later with Progressive? Would having this claim for hail damage impact our rate with Progressive, either now or later? Also, if they did decide to total the car, it's almost certain we would choose to buy the vehicle back (not relinquish title) and then hopefully fix the damage on our own, as best we could, using whatever State Farm paid out after the buyback. However, would the fact that the car had been totaled impact its future insurability or our rates for insurance coverage? (We've had a history of always getting "full coverage" on our cars, even though they are paid off.) My understanding is that Texas does not require a salvage title on a vehicle if it is totaled due to hail damage, although I'm not positive of that. Any advice from folks "in the know"? Thanks so much!

After a bad summer hailstorm, The ill-informed adjuster totaled my wife's and my only car. It was cosmetic damage only. Car still ran like a top. The adjuster who was not from my state( Texas). Said he "thought" the law in my state was the same as his (Florida). NOT! Now Geico is taking the car because we did not want a "salvage title." So we had to ante up for a different car. I would sue them and have a lousy chance of winning a case. We have been insured by Geico for 20 years. They treated us like a pile of crap. Plus our house was fairly heavily damaged in the same storm (a tornadic microburst.) I have already changed to a different company on the new car. It has been a 6-week long ordeal with the claims process. Pain in arse! Stay away from these crooks! The adjuster was wrong on the law in my state. filed a report with the state insurance regulator. Geico cost us $25K for a replacement car for something comparable to our total loss. Of course, they are not paying us anything near that amount. We were happy with our old car which gave us 50000 trouble-free miles over 10 years.

Got this chat request today from Healthy Paws. I don’t have a policy with them, I just comment when I see the insane premium hikes they’ve been doling out lately. Healthy Paws, folks are starting to ask questions about your rate sheets and what you publicly disclosed and what you actually charge consumers. I’m not an actuary, so I’m no expert, but it’s wild to me that any state would sign off on a 200% 500% or even 1000% increase. Maybe they did. But it is feeling a bit shady. You should publicly disclose your algorithm and show us! There are lots of people here who would love to see this information provided transparently. We all expect annual increases. It’s the name of the game. But we don’t expect to pay faithfully for years and towards the end of our pet’s life, have our premium jacked up so high as to be an insult. So unless you have some kind of reasoning for that…or a promise to fix it, it’s impossible to recommend you anymore on this sub by most people with brain and a conscience.

So my driving record is pretty good, all of my scores are at 100. Last month in June, I was getting on the interstate and had to pick up speed quickly so I got marked for acceleration and cornering. Those 2 events brought me down to 60 something from 1 time. Usually after I have an event, it doesn't take long for me to get back up to 100 as I don't like to accelerate as quick. It's been over a month with no other events and it won't go up. I drove yesterday and my score was 89 for acceleration and 88 for cornering. After my 3 trips I checked the app and hour later and it went up to 90 and 89. This morning I get back on and it dropped both to 88 even though I haven't driven since yesterday. I called 3 customer service lines and my local state farm representative and I'm getting the run around. My 6 months discount is for August so I'm wondering if it's doing this intentionally so I don't get as big as a discount when I'm up to 100 for everything.

I was rear ended by a State Farm customer and they have accepted responsibility. I have been extremely nice until now but I am done. I asked about a rental car and told them it didn't have to be a big F150 like I drive and I could get by with something small because I work from home and don't go out much. They said great, go rent something and then file for reimbursement when I get my truck back. Since when am I responsible for renting the car and paying for it up front? They won't give me anything in writing that says they'll reimburse me for a specific daily amount or number of days. The letter says "reasonable cost" which is just way to vague. What's reasonable to me might not be reasonable to them. And I'm not, but what if I wasn't able to rent a car myself because I don't have a credit card or checking account. Side question - if I say I need a truck do they have to cover the cost of renting a truck?