r/Car_Insurance_Help

I was hit on the highway last month when some guy wasn't paying attention and changed lanes right into me. I spun out and hit the barrier. That's the last thing I remember clearly

My car is totaled. I'm in pain.. in physical pain in the first place and I’m not even talking about the psychological trauma I’ve got

I've been in and out of doctor's appointments. X-rays, MRI, physip therapy. The bills are already at $15,000. And I'm not done. I might need more treatment. I might need surgery. Nobody knows yet and doctors don’t say anything specific

The other driver's insurance company called. They offered me $3,000 to cover everything like medical bills, pain, suffering, lost wages.I laughed. Then I got angry. Then I got scared

Is this normal? Do they always lowball like this? Can I dispute it? Or is this just how it works?

I've never been in an accident before. I've never dealt with insurance like this. I always thought it would happen to someone else. Not me…

How is this a thing? Do most people know about this?

The accident happened 4 years ago. My dad added her to my policy. She doesn't have access to my car, and lived in a different state during the accident. Is there no way in removing this so it doesn't affect me?

I haven't been in an accident or made a claim in 10+ years. I'm a good driver, and rarely even drive. Seems unfair.

ETA: SORRY, I wasn't clear on some details here. She has been off my policy for the last couple of years. My concern is with applying for a new policy, they are saying I had an accident in 2022, which I didn't, my sister did. I had no clue it would affect ME on a new policy with a new company years down the road.

Hello guys this might sound crazy to some lol but i’m gonna spill the beans. Me and 2 other of my friends are 19 and have passion for nice cars and what not . We saved enough money to put a downpayment for a c8 corvette which would cost us around 500$ monthly. We want to do our own car rental company but there’s literally nobody we can find that wants to give us insurance or commercial insurance is insanely expensive some guy told us 4-5k each month for a 4-5 month policy only. lol car payments were never the problem it’s always the fricking insurance. any advice yea we can buy prolly economy cars but that’s friggin boring and what’s the fun in that. We understand all the risk and what not there’s no talking us out of it so don’t try we just need some advice on how to go about it. We were just gonna use turo since we have someone 21+ permission to set up the account but is there anyway else since we want to do it through our own stuff/website and get 100% of the profits . YES i know there’s reckless drivers it’s a 2 door sports car . We’re young and the company is just getting off of its feet. we just need to know what companies can we use and that will approve of us . it’s 2 more of us and both have stable jobs.

I just got a 2012 Nissan Altima for about 4100 dollars, and I began looking into insurance for it. So far, the lowest price I have gotten is from Intact, for 520 or so a month; all the other options were higher. I understand I am a first-time driver and I am a teenager, but is this not a lot? Does anyone have recommendations for insurance companies or brokers I can contact? Btw, I have had no incidents or issues with my license.

About a month ago I got into an accident on a two way road. A motorist hit the side of my car while I was turning left he caused damaged in between the driver side door and lower back door. The motorist wasn’t wearing a helmet or proper gear and the vehicle behind me was a water utility van, the pedestrians that stayed said he passed multiple cars trying to turn left crossing the double yellow line. However this was my first accident so I just stayed in the car in shock since I had no idea what happened. Police arrived, the motorist was sent to the hospital he was able to walk around and move but had what looked like superficial head damage. Since I stayed in the car I didn’t really get to get any witnesses information I also don’t have a dash cam. Since I was unable to speak the motorist told them he did not witness me use a turning signal and I stopped abruptly. I used a turning signal and was moving at 15mph since I just exited a ramp and the street I was turning left to was about 150 ft away from the ramp. Anyways I ended up filing a claim with my insurance but the police report is giving me anxiety and that’s the one thing I did not submit yet. Since this is my first time and my agent really isn’t much help what can I do? I’m worried if filing a claim can cause the other party to sue for damages and medical bills if my insurance goes looking for his. The police report indicated the damages on both the bike and my vehicle are $1k. My car is drivable and I don’t really care to fix the damages. What happens if I close my claim and the other party down the line decides to sue? What happens if I send the police report and my insurance goes after theirs? Is there a way my insurance can keep a report or documents and my statement and wait till the other party decides to do anything? And if the other party does decide to sue for damages and medical bills what should I do then? Also since my agent sucks can I ask to be transferred to a different agent?