Okay so I was in a car accident and was found at fault. My insurance was canceled the day before, unexpectedly after miscommunication on the insurance company’s behalf. I was told to pay by a certain date and setting up a claim after the accident, I was informed that the date was incorrect and I didn’t have insurance starting the previous date of the accident. It’s been a few months since and I just received a notice in the mail from a collection company, billing me for $10k. I’m confused as to what to do from here, as it was straight to a collection agency and nothing has been communicated since the date of the accident. Does anyone have any knowledge or experience with this? I’m just super confused on what to do.

If not, when bad data is provided (to say LexisNexus), how is it corrected?

So I'm over 18 and planning on getting my license soon. I have a car lined up, someone else owns it right now but will transfer the title to me. I'm trying to get insurance quotes, but they keep forcing me to say when I got my license. I don't have it yet. Should I just call and explain the sutuation?

I have a 2017 Toyota Camry Hybrid. Ten days ago I got three gallons of gas from a Mobil station. 15 minutes after we got the gas the car started to buck and we ended up coasting to the side of the road when the engine died completely. Three days later the service department at the Toyota dealer diagnosed this as contaminated gas. We were told this was a known issue, ExxonMobil had been notified and a claim had been set up. They flushed and cleaned the whole engine and changed the spark plugs to the tune of $2,300 and we got our car back. Two days later we brought the car back in, the issue was not fixed. That same day we went to the gas station and they said they would give our name to the person handling the claim. Thirty minutes later we received a call from an actual claims manager working for the insurance company that was handling the claim for ExxonMobil. They approved new work, replacement of all the fuel injectors. This ended up costing $2,800. We got the car on Friday, and it still has issues, we are returning it on Monday. Any recommendations as to course of action would be appreciated. The Claims Manager is not going to keep on approving an endless series of costs. My thought is if the dealer had said this is at least $5,000 we would not have poured this into a nine year old car. the blue book value on this car in good working condition is about $13k to $14k. I would like to tell the dealer how about you give us $10k for a trade in and we will buy a new car. I'm afraid we're going to get squeezed, the insurance won't pay anymore and we are left with a car that doesn't work

Hello —

We moved from WA to CA. We cancelled our policy with AAA in WA and signed up for a new policy in CA with AAA. We packaged our auto and renters policies and paid the required costs in full for the year.

Fast forward a month later, we received a notice that our premium on this month-old policy is being increased by almost $500. It seems to be saying this is based on our non-California Consumer Credit.

I’ve never experienced an increase in premium, after paying in full before the policy term has ended.

\- Is this normal (or legal)?

\- Is there any way to fight it?

\- Or since we already paid for the year in full would it be possible to get this request for money waived?

Looking for any advice y’all may have.

In case anyone asks: We have had ONE fender in seven years wherein my husband had someone else back into our car in a Trader Joe’s parking lot. Unfortunately, he called our insurance company to report it instead of just dealing with the responsible party’s insurance. At the end of the day nothing was actually covered.

My grandpa had an injury and needed a car that he could get in and out of. I sold him my car (2011 Honda Pilot) and the idea was I would become his driver for appointments and such and be able to use the car if needed. Shortly after, he had to go to a skilled nursing facility for rehab long term. I have not lived with him for over 15 years when I moved out as a teenager. No one is using the car and we are looking into me having access to it.

From what I understand, I cannot be added as a primary or secondary driver to my grandpa's policy because we do not live together. I also have heard I cannot get a policy of my own for the car because I do not own the car.

One person said to get a non-owner operator policy. When I called an agent who works with several companies, he did not know what I was talking about. Eventually he gave me a quote but it was almost $200 a month which seemed insane.

My non-married partner also has a car and we are looking into sharing it. I could be added as secondary to that policy, but what would that mean for the SUV?

I have had one at fault accident in 2024 (hit a pole backing up) and two no-fault accidents (both instances my car was parked and got swiped on the street -2020 and 2022).

With access to two cars, how in the heck can I get a policy (or added to one) in order to drive them???

I own a Honda Civic 2017 EXT. I'm paying $900/6months with State Farm. The car is almost 10 years old. 59,000 miles. Do I need full coverage?

Got scratch while parking in a hotel garage where a sharp metal sticking out from the ceiling scratched the top of the car leaving a 3 inch scratch while I was backing into the spot.

Reported to the hotel and they said they have filed an incident report but refused to share it. I doubted that they had any details of the accident (eg they didn’t ask me about the parking spot number)

I believe it’s negligence from the hotel as there shouldn’t be any low hanging metal at the parking spot.

Question: should I report to my insurance and they will contact the hotel ? Will it affect my insurance?

Damage is about $500

Liability​(BI/​PD)	$100k/$300k/$100k Coverage Amount	Edit	$425
Underinsured Motorist BI	$100k/$300k Coverage Amount	Edit	$139
Underinsured Motorist PD	$100k ​($100 deductible) ​($300 deductible​ hit & run) Coverage Amount	Edit	$36
Personal InjuryProtection	No coverage Coverage selection required	Edit	$0

Vehicle Coverages: For your vehicle(s)

Vehicle Coverages	Coverage Amount/Deductible	Edit Coverage	Cost
Comprehensive	$1,000 deductible ​($0 deductible glass)	Edit	$42
Collision	$1,000 deductible	Edit	$91
Rental	$40 per day ​($1,200 maximum) Coverage Amount	Edit	$15
Roadside	Coverage selected	Edit	$9
Snapshot^(®)	Not signed up	Edit

How much are people spending when adding on DoorDash as a rideshare or switching to commercial? I am in Rochester NY. Thank you :) I am interested in potentially doing it

I've been curious about what usually makes people decide to leave their current insurer.

Was it a big price increase, poor claims experience, customer service, or something else?

For those who switched, did you feel like it was worth it?

Anyone actually made changes to their premium of their auto insurance by deleting some coverage that no longer mandatory?

Wondering what items I can safely take out without risking too much?

Anyone Else not have their usual 8th of the month Aug 2026 TD car insurance withdrawal payment happen yet it now being the 11th? Should I be concerned ?

Farmers Insurance full coverage went up from $1100 to $1600 for 6 months. Husband was rear ended so we had to buy a new car. Our 2 cars a 2013 ford fiesta and a 2025 nissan versa (old totaled car was a 2012 nissan versa). We both have perfect credit and driving records and drive maybe 8k a year. So new car increased cost by $500. Live in Oregon. Looking for lower cost insurance. And/or advice about the 2013 fiesta . Is it worth having full coverage for the fiesta at its age? Even though our 2012 nissan only had 100k miles and was in perfect condition we got $4k for it. My guess is if we were in an accident the fiesta would not get much (odometer just turned 100k miles).

Just have a quick question regarding initial quotes given by a rival agency trying to woo you away from your current insruance company.

I am currently insured through Geico. I received a call from State Farm yesterday and they quoted me a six month premium that is LESS THAN HALF of what we were paying theough Geico. I made sure the agent had all of our information and gave us the exact same coverage amounts we were currently carrying.

I was immediately ready to switch over, but called Geico first. Geico was able to lower my rates a significant amount, but still about $600 higher on the six month premium than State Farm. The Geico agent told me that sometimes the rival agencies will quote you low and then raise your rates once youre aboard.

Is that true? Am I risking State Farm rising our rates a couple weeks after signing up if I switch to them?

We have one speeding ticket that is showing on our record, but wouldn't State Farm have access to that info when giving us that initial quote.

Thanks for any help.

I noticed I was renewed today, which totally fine I selected autopay when I started the policy. I notice it went up $100 for 6 months, and assuming it will continue to go up I head over to the app to cancel my auto pay.

1. you have to CALL a representative to cancel autopay, absolutely insane that we allow companies to behave like this, cancelling should be as easy as signing up

2. I paid my policy in full today, but because I cancelled autopay I now have to repay the discount that I saved for having autopay enabled lol. It’s only $6, but my autopay was enabled for this renewal period so why am I being penalized after already paying in full?

Everyone should be advocating for better protections from these kinds of companies, completely predatory behavior

Car is totalled and has waiver of depreciation. Policy says’ purchase price with accessories’ with be paid, however adjusted only offering MRSP and not freight, levy and FDI mandatory charges included. since that is included as new car’s price in bill of sale,and they are not fees like licensing or other charges . How can i fight to get the $2k CAD added to settlement quote?

Do I change my insurance first so the DMV can issue me a new plate and license, or do I need to go to the DMV to get a new license and plate, then get my insurance premium changed over?

I don't want to get hit with some non-compliance fine or something.