Location: Texas On mid February of this year our truck randomly started being noisy, we immediately took it to a shop, they told us the issue and that if it had a warranty we would be fine. It did have a warranty and we immediately contacted them and dropped off the truck in a certified shop. The shop then dealt with the warranty and the claim was officially filed on March 5th (we were told this by the warranty company) today we call for an update and get told they can no longer do anything since the warranty expired on March 30th. We think they purposely let time run out. Has anyone dealt with something similar?

Hi guys, I am a foreigner who arrived to the US last year due to work. I had auto insurance for 4-5 months and wanted to change and see if I could get something cheaper. In March I finally found one who could half my monthly insurance cost which we settled the same day. The broker confirmed all details that I am a foreigner, with an international license, 7 years driving experience OUTSIDE the US. 2 weeks ago, Progressive sends me an e-mail that a automatic payment will be made in April of $1107. I had no clue what this was, as the broker told me the cost would be $106 monthly. I immediately call Progressive and they inform med that the broker most likely inserted incorrect information or misunderstood how to fill out their quoting system. They also tell me, that they send me physical mail to my address that the insurance was not eligible and the policy was updated to reflect my correct details. But I am yet to receive this mail, which according to them was sent the day after I approved the quote I was sent. What concerns me a lot… - Why did Progressive not send anything in regards to this change? - only my State ID was given to the broker and as I understand with my prior insurance company, they require my international- and foreign driver’s license to insure me - can they update it without me confirming/agreeing to this change? I have called and mailed the broker which is yet to answer and pending their response. What do you do, in this case? Location: North Carolina

I am looking to start renting my home in July when I move out of the country. I'm very confused on landlord insurance, though, and would love some help understanding it. Everything on Google says landlord insurance should be cheaper than homeowners insurance since they don't cover the personal property, but from my one quote so far from Allstate it's also looking like they don't cover the actual property either. What is $66,500 going to do for me if my house burns down or gets sucked up in a tornado? (Quote at the bottom) It just doesn't seem logical to me. The lady on the phone said something about requiring renters insurance and that THAT would cover the rest of the property should something happen, but is that true? I am a worrier beyond worrier, and want to make sure everything is protected, especially since I'll be in a different country. Could anyone help me understand what I should be looking for/asking for/quoting for? And what should I be requiring for the renters insurance? I have an insurance broker getting me more quotes at the moment. I just don't want to make the wrong decision and end up getting 1/3 of my remaining mortgage should something happen to the house. 😩 My 1 quote so far: Dwelling Protection $66,500 Premium: $1,390.47 Liability Protection $200,000 per occurrence Premium: $15.00 Premises Medical Protection $5,000 each person Premium: $9.00 Personal Property Protection $5,000 Premium: $5.03 Other Structures Protection $6,650 Premium: Included Fair Rental Income Selected Premium: Included DEDUCTIBLES All Peril Deductible $1,000.00 Estimated Total 12-Month Premium* $1,419.50

(TL;DR at the bottom) In mid-December 2024, my parked car was involved in a hit-and-run while I was at home. Surveillance footage revealed a white Mercedes struck my vehicle and fled. Unable to identify the driver immediately, I reported the incident to the police and my insurance company. By early January, my car was declared totaled. As a tobacco inspector, my job required a personal vehicle for site visits. Without transportation, I was removed from the schedule and subsequently terminated. Despite actively seeking employment since January, I’ve been unable to secure a new position.  In March, I noticed the same white Mercedes parked nearby. After running the VIN, my insurance confirmed it belonged to a neighbor. She had concealed her vehicle for over two months following the incident. Upon presenting this evidence, her insurance company accepted liability, acknowledging her prior claim in December for hitting a parked car. However, her policy only covers the Pennsylvania state minimum of $5,000 for property damage, which was paid to my insurer. After settling my car loan, I received $3,000 from my insurance, insufficient to replace the vehicle. Without steady income, securing auto financing has been challenging. I purchased my 2018 Mazda6 Grand Touring Reserve in April 2023. The total finance amount was $21,116 , I put down $4,500 and made regular monthly payments until the car was totaled in December 2024. At the time of the accident, it was valued at $16,500. After the remaining loan balance and deductible were paid, I received only about $3,300 ,far below what I had put into the car and not enough to replace it To date, my neighbor has not acknowledged the incident or attempted to discuss it with me. Without a vehicle, my ability to work has been severely impacted, and relying on public transportation and rideshares has become financially burdensome during unemployment. I’ve now missed approximately 12 weeks of full-time wages as a direct result. I reside in Philadelphia, PA. ___________ My questions: • Given the circumstances, what additional insurance coverages could have better protected me in this situation? • Are there specific endorsements or policy options that can safeguard against underinsured drivers causing significant losses? • What steps should I take when the at-fault party’s insurance coverage is insufficient to cover damages? Any guidance or insights from those familiar with insurance claims and coverage options would be greatly appreciated. __________ TL;DR: Neighbor’s hit-and-run totaled my car, leading to job loss. Her insurance covered only $5,000, leaving me unable to replace the vehicle or secure new employment. Seeking advice on insurance coverages that could have mitigated this loss and steps to take when the at-fault party’s coverage is inadequate.

I have every option that was offered with Aflac through my job. What type of things can you claim? I feel like they are so vague on this. I’m trying to get money back for things if I am able. I haven’t had any SERIOUS hospital stays or such. But I know you can claim yearly for annual physical, also for pap smear under cancer screening to get money back. Not trying to scam or anything but it seems that unless I am dying or stay in the hospital then these policies don’t pay anything. Anyone know the ins and outs? Because at this point I’m just paying a lot to have a policy.

I drive a large suv and I was hit. The other party was 100% at fault. Their insurance company had me send in photos of the damage, and called me today with an estimate. He explained they will mail me a check for their estimate amount and that they will pay $25 a day for a rental. In my area the smallest economy car is $60 a day so what they are paying won’t even cover that. What can I do? I am in no way at fault and I don’t believe my insurance should pay anything

About an year ago, I was rear ended at a stop sign by a Truck. I did not call the police as I was in a shock and didn't think through it. However, the person agreed it's his fault and shared with me his insurance details and I too the photos. The next day when the rental company looked at the damages they asked for the insurance details and only then I realised the other party's insurance was expired. The rental company used my insurance for the claims. When I called the party that hit me he said he would pay out of his pocket for the expenses but ghosted me since then. I was very new to the US then and hence did not know the legal options I had. I just saw a post today that someone got sued after an year. Can I still sue them after one year with only images of the incident and the person's expired insurance? Location: Miami, Florida My Insurance: State Farm (in Atlanta)

My State Farm agent wasnt much help. The two of us have two old cars, fully insured, for about $105 a month. We are thinking of adding a third similar old car, but driving no more than before. We will mostly let one car rest and use it only for holidays as needed, perhaps once a month. So we pay about $50 a month for each car. Would the next car also cost about $50 a month, or much lower, since we will be greatly reducing the amount we drive on the other car. Same total mileage as with two cars.

Just wondering if anyone else has dealt with this. Recently was in an accident which I was not at fault. I have a luxury vehicle that was fully paid for. State Farm totaled my vehicle. My issue is the amount they want to settle my claim for is substantially less than what I think it should be or was expecting. Do I have to accept that? Is my only recourse to file a lawsuit? I live in Wyoming BTW. Thanks for any help or advice!

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.