My renewal showed up this week and the annual premium went up enough that I went back and checked last year's statement

I can save a bit paying the whole year at once but it's landing right after some house repairs and I'd rather not take another big hit out of checking this month

The annoying part is the payment options. How are people handling these bigger annual bills when the timing sucks?

Hello, All

While on a run recently, I was struck by a vehicle while running through a crosswalk.

A few important things

• The vehicle had a stop sign.
• The vehicle was around 10 MPH at the time of the collision and was likely going to make a California stop at the stop sign.
• I busted up my knee from the impact of rolling off of the vehicle into the street.
• It was raining that day, and my AirPods got ruined.
• I went to the hospital and got X-rays.
• I'm currently not working anywhere, so I don't need time off.
• I created a police report.
• I have the driver's phone number and insurance information.
• This happened in Iowa.

Wanted to know

• Am I responsible for the ambulance bill?
• Am I responsible for the hospital bill?
• Can I get a new pair of AirPods that I didn't pay for? (i.e., through his insurance?)
• I've been discharged from the hospital with my bruised-up knee. What do I do now? (I consistently run about 8 miles a week, so this will put a halt to that)
• When do I contact his insurance?
• What should I ask for when I contact his insurance?

I'm gonna let this post mature for about an hour, but I will read the responses and reply the best I can.

My insurance lapsed today and will not be able to pay it until tomorrow. How quickly can law enforcement officers see that it lapsed if they happen to run my plates? I live in Fort Worth, TX BTW. Please don't criticize me, I was unaware that the insurance company changed the due date and did not find out until a few minutes ago. Thank you for the future answers.

Had a no fault - extremely minor accident. I won the claim at 0% fault because I had dash cam footage. After I won, the other party decided to sue for bodily injury claims (?!?!?) this is wildly exaggerated. Since I have footage - should I be worried? Also there was a police on scene because the other party was insistent and thank god there was. Is there anything I can do for the police to attest that nothing happened?

Geico client hit my rear with tiny dent. The geico only estimated $1400 and i was told that repair shop would use second hand parts to fix that. what should i choose? it was a new car in 2024. Both options are not perfect for me..

Yesterday driving back home on the highway a rock came out of nowhere and smacked my windshield. This morning I wake up to find a large crack, about 9-12 inches. Windshield will need to be replaced - Honda OEM plus ADAS recalibration. Since it's Labor Day, the auto glass shops and Progressive's policy info line are closed for business, but ChatGPT thinks it will be between $1200-$2000 total for the replacement. My comprehensive deductible with Progressive is $500, and I'm in Washington State so there's no separate deductible for glass only claims. It's a lot of money to pay out-of-pocket but if I'm just gonna end up paying that much and more in rate increases anyways, I figure I'll just bite the bullet. Does anyone have experience with this? The only previous claim I have was for a tiny chip (that was a repair and not a replacement) and it was a couple years ago. It was fully covered and deductible didn't apply.

Is there anyone in this thread that could guide me into an insurance career?

I have years of experience as a small business owner so I already understand sales, CRM funnels, objections, pain, points, etc.

I’m good with numbers and organization. If we had a ton of business and psychology books too.

Due to life hardships, I basically lost everything in my life have no retirement have nothing not even a house to my name.

I hear people in insurance can make 100 K -500k + , at this point I have nothing to lose. I have a very strong personality, I’m used to dealing with multiple high-end clients and different personalities.

I was looking at insurance or mortgages to sell and wondering, what’s the path in British Columbia to get into a career and start making this type of money to hopefully rebuild my life?

I’m very healthy and fit people often mistake me in my early 40s. My recent health assessment is that of a 25-year-old. I don’t care to retire, though that would be nice that I made it that far financially. So I’m ready to work my whole remaining life.

Any career path advice would be very appreciated.

🙏

Looking for advice from an Ontario lawyer familiar with SABS/accident benefits.
I was in a car accident on Feb 4, 2023. Police determined I was not at fault. At the time, I was relatively new to Canada and didn’t understand Ontario’s insurance/accident-benefit system.
I was working and driving was essential to my job because I drove to clients’ homes. The accident happened while I was on my way to a client.
I had whiplash in my lower back and received physiotherapy through my auto insurance with TD Insurance.
TD gave me an OCF-2 Employer’s Confirmation Form for an Income Replacement Benefit. I completed my part and gave it to my employer to complete and submit. I assumed they had sent it back to TD but apparently they never did.
I didn’t knowingly abandon the claim, I genuinely believed the paperwork had been taken care of.

It’s now been about 3.5 years, and I’m wondering if there’s ANY possibility of pursuing the lost wages/IRB now.

Questions:
Does the 2-year limitation automatically mean I’m out of luck?
Does it matter that I gave the OCF-2 to my employer and they apparently failed to submit it?
If TD never formally denied the IRB and the claim simply wasn’t completed, does that change anything?
Could there be an exception based on a reasonable explanation for the delay?
Is this worth speaking to an Ontario SABS/LAT lawyer about?
I know Reddit isn’t legal advice I’m just trying to figure out if there’s any avenue worth pursuing before I give up.

For additional context regarding the delay:

I did not revisit this matter for the past 3.5 years because I was dealing with significant emotional difficulties following the accident, including PTSD and the loss of a family member. At the time, I was focused on coping with everything that was happening and was not in a position to properly understand or pursue the insurance process. I am now in a more stable place and am looking into matters I may not have properly addressed at the time, which is why I am wondering whether there is still any possibility of pursuing my lost wages.

Thank you!🤍

I ask because I recently had one of my 1st not at fault accidents in years: with non other than a deer. Stupid thing trotted from the passing lane into my travel lane on the interstate at night, leaving me no time to brake or veer. It was a head on direct impact at highway speeds, and I’ve never had a car I owned wrecked so bad, except at the fault of another.

However, I have gone back and forth between liability/uninsured (I have experienced a hit and run years ago, which made me always keep uninsured/underinsured; but this new incident and the climate changes with crazy storms/giant rocks hitting my windshield not even coming from the lane I was in which have now damaged 2 new windshields in the past year, now has me vowing to keep comprehensive insurance also).

But what I find dubious about the whole car insurance thing is: they say, “if your car is old and you own it, you don’t need comp/collision”. But then, you have Allstate saying: get Allstate, or you’ll be paying for this mayhem yourself”.

Well let’s do the breakdown on math: the car that was recently wrecked, I brought for $1,000 back in 2017. However, it’s a $50,000 msrp. So, not a beater or a Honda civic. Basically a Benz. But a car that needed some TLC, and some expensive maintenance. I did that. Now: 2018 to 2026 is how many years? 8. Now, during this time I never had collision coverage (I grew up driving, having taken several drivers ed/DD classes, even drove nascar simulator games). Needless to say, I’m pretty much a flawless driver. I’ve never caused an accident with another vehicle since I was licensed at 16.

Anyhow back to math, say I took Allstates (or any other company) advice and did FULL coverage? I have been routinely quoted $200-$500 over the years. Never less. And I have 2-3 vehicles as well. So hypothetical simple math: let’s say I’m paying $300 extra each month for full coverage: within a year I’m already at $3,600. For an accident that never happened. Multiple that by 8 years = I’m at a hypothetical $28,800 spent, just on insurance for something that never happened. But it did happen, 2 weeks ago. And apparently comp coverage wasn’t in effect so, I’m getting no help from my insurance. But if I did, my vehicle is worth around $5,000. So I’d of (hypothetically) spent $28,800 for a $5,000 payback.

You know what this sounds like right? Lottery. Gambling. And that’s what the insurance industry feels like at times. Gambling for the potential of having a major accident that covers yours specific incident. Well, I call bullshit on that. What if: we were to keep the state required minimums (and even that I’m leery of but, to keep it simple) but then IF we do have an actual incident, be allowed to add coverage within 24/48/72 hours of the incident and simply lock in the 6-12 months price and pay over time. That way, the insurance company gets paid, and we get our vehicles fixed. Whatever rate it was to be, is what it is. I recently added comp to my vehicles and it jumped by $300 a month, $1,800 for 6 months basically. Which id be fine with IF technically they paid to fix or replace my vehicle. But they’re not playing fair. They aren’t giving me anything and I know I have $2,000-$3,000 in damage on a $5,000 car.

So guess what? I’m now leaving that company and switching to somewhere with cheaper rates. F**k them entirely, I’ve been with them for 2 years but they have made my own vehicle coverage too unaffordable. And now I have another lady who wants to sign me up. But if they were willing to just accept the claim when it happened, and allowed me to pay the rate increase over 6 months, I’d of stayed with them.

I’d love someone to help me patent this idea 👏🏽 but I’m aware it’s probably just a “too good to be true” possibility.

Hey everyone, I could really use some advice on a car accident/insurance situation in Colorado.

I was rear-ended, and the other driver was 100% at fault. His insurance has a $15,000 property damage limit and a $25,000 bodily injury limit.

The car repairs were around $13,000, and I also received about $2,000 for diminished value, so his full $15,000 property damage limit was used.

The confusing part is the bodily injury claim. The first bill I received after the accident was around $25,000. I have TRICARE, and they paid around $1,000 after a reduction/adjustment. I’ve heard that in Colorado, you may still be able to claim the full $25,000 bodily injury policy limit based on the original medical charges, even if insurance actually paid much less. Is that correct?

After that first visit, I had several other appointments related to the accident, including TBI evaluation, MRIs, and other treatment. Most of this was through a military hospital, so I never actually received the bills and don’t know what the total charges were.

I also have $100,000 in UIM coverage on my own insurance.

So I’m trying to understand a few things:
Can I still pursue the full $25,000 from the other driver’s bodily injury coverage based on the original medical charges?

If TRICARE paid part of the medical bill, would they take money from the settlement or have a right to reimbursement?

Do the medical charges from the military hospital count even though I never personally received or paid those bills?

Since the other driver only has $25,000 in bodily injury coverage, can I use my $100,000 UIM coverage for the remaining damages?

How does pain and suffering factor into all of this, and how do I figure out what would be reasonable to ask for?
I’m not trying to get anything unreasonable. I just want to understand how Colorado handles this and how the insurance process works, especially with TRICARE and UIM involved.

If anyone has actually dealt with something similar in Colorado, I’d really appreciate hearing how it worked for you.

Involved in a no fault accident, did not hire a lawyer, completed treatment and a settlemt was offered. 1. Had 4 medical bills for two of them there is a lien as stated by geico and the other two bills went through my private health insurance and was paid by them. I want to try and negotiate the ones with the lien, the ER bill is 25k. Whats the best way to do this? What happens with the charges my private insurance paid for? In the state of MD.

Total their own car or get it stolen to collect GAP? This sounds crazy to me to crash your own car, pretty dangerous

I have my roof replaced under a 2024 hailstorm via an insurance claim Roof is replaced on April 2026. My neighbors are slowly getting their roof and siding replaced as well either paying out pocket completely or with their home insurance. Of course, one of the job managers came by and suggested that I file an insurance claim (they are saying a 2025 storm) for the siding. Should I do that. What kind of repercussion will I facing? Will the two back-to-back insurance claims will make my home very hard to get insurance in the future? Want to get some advices. Thanks.

Hi everyone,

I'm 27M, married, non-smoker/non-tobacco user, and currently looking to buy my first term insurance policy.

I'm considering ₹3 Cr life cover till age 65, regular premium payment, annual payment mode, and no paid Return of Premium (ROP) unless there is a worthwhile free/special-exit benefit.

I've shortlisted these 3 plans based on quotes I received:

ICICI Prudential

Plan: iProtect Smart Plus

Cover: ₹3 Cr

Policy Till: 65 years

Annual Premium: ₹26,644

ROP / Exit: Full refund option starts at 65

HDFC Life

Plan: Click 2 Protect Supreme Plus

Cover: ₹3 Cr

Policy Till: 65 years

Annual Premium: ₹31,877

ROP / Exit: Full refund option starts at 60

Axis Max Life

Plan: Smart Term Plan Plus

Cover: ₹3 Cr

Policy Till: 65 years

Annual Premium: ₹25,317

ROP / Exit: Full refund option starts at 67

Benefits shown in my quotes

ICICI Prudential

100% payout on terminal illness

Option to delay premium for up to 12 months

₹3 lakh immediate payout on claim

Free health check-up up to ₹67,100

ROP option

HDFC Life

Early payout on terminal illness

Option to extend policy at maturity

Option to delay premium for 12 months

₹5 lakh immediate payout on claim

Free health check-up up to ₹63,000

ROP option

Axis Max Life

Early payout on terminal illness

Option to delay premium for 12 months

Waiver of premium on terminal illness

₹2 lakh immediate payout on claim

Free health check-up up to ₹50,000

Special/free exit benefit

ROP option is available as a separate variant

My situation

Age: 27

Male

Married

Non-smoker/non-tobacco

No existing term insurance

Annual income: around ₹18 LPA

Planning for a house and children in the future

Looking for pure protection, not investment

Comfortable paying premiums annually

Planning to hold the policy long term

I'm currently leaning towards ICICI and Axis Max Life because of the lower premium, but HDFC also seem strong.

What would you choose among these three?

I'd especially appreciate opinions based on:

Claim settlement experience

Claim amount settlement, not just claim settlement ratio

Customer service

Policy wording/exclusions

Terminal illness benefit

Free/special exit or ROP benefit

Any issues during actual claims

Whether the extra ₹6.5k/year for HDFC over Axis/ICICI is worth paying

Also, should I add any riders, such as waiver of premium, critical illness, disability or accidental death, or keep the term plan completely simple?

I'm planning to purchase the policy shortly, so real experiences from existing policyholders would be very helpful.

Maine recently ek gaadi li thi, but RC transfer abhi RTO side se pending hai, isliye RC aur insurance abhi 1st owner ke naam par hain. Accident ke baad maine cash loss claim liya hai.
Insurance payment ke liye 1st owner ke bank details maang rahi hai. Kya main unhe bata sakta hu ki transfer pending hai aur payment apne account me le sakta hu? 1st owner ko involve nahi karna chahta. Suggestions?

If I were to reset the entire auto insurance industry, everyone’s premium would start at a given dollar amount and then adjust from there based off actual claims during the year. Me paying a stupid high premium for the presumed outcome that a model “thinks” I will produce because 5 other people that suck at driving happen to have the same car as me is a absolutely illogical way of doing things and should be abolished

I was just in a car accident in CA. I thought I was covered on my partners insurance, we found out after the accident that I am not.

Here’s what happened.

I was waiting for a parking spot in a small parking lot.

As I backed up to allow the person already in the spot space to pull out, apparently another car was approaching and we collided. It happened so fast that I can’t say if I had already fully stopped again or if I was slowly backing up but either way, I feel like we probably both bare some responsibility.

I have no damage at all to my vehicle. They have damage to their front drivers side.

We didn’t call the police but exchanged info. They have already filed a claim with their insurance and I didn’t know my insurance had lapsed until I got home.

I want to know what y’all think will happen next? I’ve Google the whole situation and Google says that I will have my license suspended for a year for driving without insurance (I’m not saying I shouldn’t, I should have known I wasn’t covered)

I’m just wondering if anyone else has had to go through something similar and what the outcome was.

In PA, and dreading a nightmare. I have renter’s insurance, car insurance (no comprehensive) and landlord has homeowners.

A few days ago, my city got slammed by a storm of biblical proportions. Several days without power, trees down everywhere, hail, thunder, lightning, the works.

My car was inside a detached garage owned by the Landlord during the storm. Two trees fell on top of the garage, but the roof held for the most part, and the car is sitting in the garage, completely undamaged.

The trees were removed from the garage today and the structure is still standing. However, the garage doors are inoperable, and major structural damage has happened to the garage in general. We have been told not to go in or near the garage for the time being for obvious safety reasons.

I know that normally without comprehensive coverage, if something fell on my car, I would be completely screwed. (No I am not going to try to add comprehensive coverage to my policy tomorrow because I’m pretty sure that becomes questionable in regards to fraud.)

However, since the garage remained standing, and roof collapse would occur after the trees were removed and/or as a result of attempting to repair the garage, would I be less hosed? At this point, the landlord and their insurance company are very aware that the roof could collapse without swift action. But since it’s a holiday weekend, nobody seems to be interested in moving quickly.

Please spare me the lecture about dropping comprehensive coverage as I am regretting it enough. It was a financial decision made after being laid off for a month, barely using the car, and needing to keep the lights on. (I start work again next week and planned to put full coverage back on the vehicle with my first paycheck)

I currently have full coverage with AAA insurance. I had two at fault accidents in 2024. Of course, my insurance steadily went up. My latest monthly bill comes in at $441.00. Really stressing out here because I'm far from being financially stable enough to keep paying this. I'm pretty ignorant in such matters, so I'm thinking of going through an insurance broker to see if I can find a lower rate through another insurer. I'd like to continue with full coverage.

Just wondering if anyone else has been through a similar situation of looking for lower rates after at fault accidents. Is there any hope? I know not to expect the lowest rate, but I'm hoping to, at least, get it lower than what I'm now paying.

Looking for advice from anyone who's actually filed a Venture X claim for trip delay and delayed baggage.

I travelled internationally with family, all booked on my Venture X. The booking was with Qatar Airways. Original AA flight got cancelled for maintenance, rebooked us a day later through Chicago instead. That AA flight into Chicago also arrived late, we missed our connection, and the airlines rebooked us a day after that, on another carrier. No hotel voucher was available (all exhausted), and we couldn't find a hotel room anywhere nearby that night despite hours of calling. On top of that, our checked bags stayed behind in Chicago and took 4 days to catch up with us after we landed.

So, we had two occurrences of airline delays, and a 2-day trip delay across the itinerary, plus a 4-day baggage delay.

Questions:

1. Do you treat a two-stage delay like this (cancelled flight → rebooked → missed connection → rebooked again) as one continuous trip delay claim, or does the carrier separation matter?
2. Anyone actually gotten baggage delay reimbursed on Venture X? The public benefit guides I have found online contradict each other on whether it is even covered. Some say no baggage delay benefit at all, only permanent-loss coverage; others cite $100/day up to 3 days.
3. We don't have hotel receipts (couldn't get a room) but do have call logs showing the attempts. Does it help?
4. Any tips or anything else that I need to know which will help my claim?

Appreciate any real experience. Trying to get this filed correctly the first time rather than deal with a denial-and-resubmit cycle.

Kindly upvote if you can for better reach.

Just FYI, I took help from AI to format the above message.

Hi! I’m not sure exactly where to post this but I assumed maybe this would be the best spot because typically renters insurance would be able to help with this kind of thing but unfortunately, mine does not. My fiancé and I were left without power for 3 days due to a really bad storm that passed through and we lost EVERYTHING in our refrigerator. We’re pretty low on money and only had maybe $200 left to spare for the next two weeks which would’ve been fine if we didn’t have to rebuy everything. Keep in mind, $200 might sound like enough to get us by, but I’m strictly gluten free and dairy free per doctor’s orders so things can get pretty pricey. Anyways, please let me know if it’s possible to receive some type of food voucher from your electric company. Thanks! :)))