I got into a car accident almost a year ago. The person I got into the accident with was insured by State Farm, the accident was in late May, she opened the policy at the beginning of May. At the time of the accident when I called State Farm to attempt to file a claim with their party’s insurance, I was told they couldn’t find the policy in the system. Upon following up numerous times State Farm ultimately denied coverage and I had to open a claim with my insurance. I was not at fault if that matters… My vehicle was totaled out, I paid my deductible and bought a new car with the check issued by my insurance. My insurance was unable to recover my deductible from the driver or State Farm and ultimately sent the file to collections. After the file was sent to collections they were able to recover the deductible, however are unable to tell me who made the payment. Fast forward a year later I get a call from State Farm regarding the accident. Apparently the driver was covered at the time, and they’re offering a settlement. I called my insurance to inquire if they knew the driver was covered and they sent over a copy of State Farm’s written statement denying coverage… accept the person listen under “Our Insured:” doesn’t match the name of the driver which is the same name on the policy information. My question is, I already signed the release for the settlement but this something worth following up on? I spoke to State Farm to ensure the party was actually covered and they confirmed she was. Or should I just wait for payment and let it be?

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?

Location: North Carolina Ill glve you guys the short story. Was in wreck back in November. Not my fault and my car was totaled. Called the other parties insurance, they gave a story that the other person didnt have insurance since August. Went to my insurance to file the claim and my insurance was lapsed due to failure to pay. I was behine 2 months. So they dont want to fix my car. I still owe 20k on my car. Anything that i could do besides let my credit take a hit?

House that was built in 1989 has water stains on all the 2nd story ceilings which are getting worse every time it rains. The roof is visibly messed up, losing shingles. Siding and gutters have never been replaced. Visible hail damage, plus the vents on top of the roof have dents all in them. I live with my senior mother whose coworker has a son who works for a roofing/restoration company. The guy came out, inspected our house and took over a hundred pictures. Said we need a new roof, siding and gutters. We put in a claim with State Farm homeowners insurance, he said to put we have damage from June of 2024. Even though we've had more storms and tornados since that date. State farm then sent an inspector woman who barely looked at anything, the company this door to door storm chaser guy works for was there. They didn't seem to show her much of anything. The inspector was here less than a half hour and I didn't answer the doorbell. The company who would be paid for replacing things nailed a tarp on to a small part of our roof without asking or informing us. The inspector determined only 2 shingles need repairing! Nothing else. She also emailed my mother the decision, saying it was nice to meet her. My mother did not meet this woman and no one who lives here did. Now the guy who inspected our house initially is saying we weren't denied and we have a roof that is no longer made. It's a 3 panel shingle roof and he claims those shingles are no longer produced. He's telling my mother to take State Farm's offer of fixing the 2 shingles. That they'll send them off for testing and once they find out these shingles are no longer made, insurance will cover a new roof. A simple Google search shows I can go buy 3 panel shingles at every home improvement store nearby. Is this guy scamming my senior mother? Will State Farm actually replace the entire roof after testing shingles? I'm a single solo mom to a disabled child who has to live with my mother and I feel we're getting taken advantage of. She thinks we're not since she works with this guy's mom and she's easily taken advantage of. Help please, any input would be highly appreciated!

We recently had to file our first homeowners insurance claim in the 6 years we’ve owned our house. We had a huge storm with 75+ mph winds and torrential rains, tornadoes etc. We randomly had the wood paneling in our living room (interior wall, other side is a bedroom) sustain water damage. It was wet and mushy and all warped. We want it fixed because we don’t want mold growing etc. roof is 4 years old so we aren’t sure how water got in. We also need a professional to figure out how this happened. Anyway, State Farm says it’s covered under our policy. We have a $3,000 deductible. They said they deduct the deductible from the money they send us for the repairs. We don’t pay it up front. (We are waiting for a callback from the contractor they helped us find). To me that sounds like if it’s going to cost $6,000 to fix they take off $3k and we only get $3k. My husband thinks we get the full amount for the repairs which makes no sense to me. State farm has to pay themselves the deductible. We had a total loss on a car last year and they took the deductible out of that and we got less money back for our payment. So that’s why I think we aren’t going to get the full amount (which is not going to be helpful we don’t have a ton of money right now). So anyone know who’s right?

I've been with State Farm for several years, but almost 3 years ago we had a series of accidents that we're not our fault, but were caused by phantom drivers or road hazards. Last summer, I was at fault in backing into a car bumper. My agent says the underwriter's are cancelling because they've paid out over $100k. Kinda late, don't ya think! We've been almost 2 years without anything major - the bumper was less than $2k. My credit is not that great. I see a lot of aggregators that will give you quotes for multiple insurance companies. What's the best way to get insurance at a reasonable cost? I'm over 60 sand in a domestic partnership.

I bought a used 2012 Volvo during the pandemic at the height of used car prices out of desperation. I needed a car. I have $12600 left on the loan. The car itself is now valued at $4000. It currently requires $15000+ in repairs to pass safety and emissions. I’ve had nothing but problems with it since purchase a couple of years ago. I have put about $1500 into the car so far in repairs. I suspect I was sold a lemon, one shop suspected a history of flood damage, another refused to comment if that was a possibility. I do have gap insurance, not sure if that can apply here. I cannot afford to fix the vehicle or pay out the loan and get a new vehicle. Between the original dealer, the lender, State Farm, auto repair shops, I feel pretty constantly let down by customer service. I also struggle to understand all of the policies and legalese. Is there anything I can do here? I’m so overwhelmed.

Good morning. I work for the State of Florida as a probation officer. Back in August of 2024, I was forced to utilize my personal vehicle for State purposed due to unavailability of a state vehicle. While conducting curfew checks at 5am in the morning, a stray dog ran out in front of me and I was unable to stop. Aside from the psychological damage caused by this being an animal lover, my vehicle sustained several thousand dollars of damage. Luckily I had decent insurance and my comprehensive deductible was 500. Prior to filing a claim with my insurance, I inquired about the damages being covered by my employer or their insurance coverage and was told I'd have to pay myself. I filed with my own coverage. I later found policy and procedure that states you can be reimbursed a max of 600 for damage in such a situation. I filed the proper paperwork with the powers that be and waited. After the body shop and getting everything together I filed in November of 2024. Fast forward to February when I inquired what was going on i was given the claim number with department of financial services. They stated they would only pay on claims where I damaged someone else's property while using my vehicle for State business. I contacted the Florida police Benevolent Association as I am a member and they investigated but wound up telling me they can not assist, despite their contract with my employer stating articles, statues etc that cover me for reimbursement. I contacted my insurance regarding possible subrogration with my employers carrier but I was told this is not possible on a comprehensive claim. I know it may not seem like a lot, but I'd definitely like to be made whole on my 500 deductible. Any advice would be greatly appreciated. Thank you. Additional info on statutes etc: Its article 19 in the Florida pba contract with Security Services Unit of Florida Department of Corrections. Additionally items or statues listed are aca/cac standards 5-aci-3a-27 and Florida statute section 944.0611.

I was rear ended last week. The dude gave me his info, and we both talked with my insurance company and decided to file a claim through his insurance (State Farm). During the phone call he talked about damages to our vehicles. Earlier this week, state farm called and said he denied his car making contact with my car, and they are investigating this. I have some pics of my cars damage, some pics of his insurance info and his id taken at the scene. What’s my best move here? It just seems kinda absurd because why would he give me his insurance info and let me take a picture of his id if there was no contact? Also, his car has no damage because he has a metal front bumper. My cars rear bumper cracked.

I reached out to my State Farm rep about why my homeowners insurance went up 30% this year and he said “that’s just what they’ve been seeing lately” and offered to decrease my Coverage A and Increase my Dwelling coverage to bring down the premium. The total replacement cost covered would remain the same. He was selling this as effectively being identical if we would be rebuilding in case of a disaster, but something doesn’t pass the smell test. Has anyone else opted to do something similar? He was unable to articulate why State Farm would do this if the coverage was the same. He only Personal coverage would decline as a percentage of coverage A. Is there anything else I’m missing or anything else I should ask?