r/Insurance

Hey everyone! We had a smoke loss incident in our Chicago condo building that affected our unit, and ServiceMaster came in to clean the space they said they will send bill to Insruance directly. This is our 1st time dealing with Insurance.

Servicemaster never sent us an estimate beforehand, and looking at their invoice now, 10k for wiping down all coded under CONT: (Contents). There is no line items for ceilings, walls , floors and cabinet cleaning, unless they billed seperate for it which I dont know yet! Is this typical practice?.

I feel like cleaning ourselves or some 3rd party or even just replacing would have been cheaper and we should have asked them with estimates before letting them in! Learning from 1st time experience!!

Plus they left half of job undone and we called to call adjustor to call them back in to clean..

Is it routine for a State Farm desk adjuster to shift that structural labor over to Building (Coverage A) so it doesn't eat into our personal peoperty contents limit which is 20k, and how do adjusters usually handle partial ALE food per-diems when you're without a fridge for a few weeks? Thanks!

Hi! This is your friendly neighborhood insurance agent here.

If you had a claim for wind and/or hail damage where your roof was replaced. There is a 99% chance your claims department didn't let your insurance agent know you had a new roof.

The number 1 way I save people money at my job on their policies is updating the age of the roof.

If your insurance is 6k+ a year, there is a very strong chance we have it that you have a Bush era roof on your house in our policy documents.

If like many before you, you expected your insurance company to look out for your premium, they will not. They will hang you up by your toenails and bleed any bit of money they can from you like a hungry vampire.

So, if this is you, get a certificate of completion from your roofing company, and your agent will be forced to backdate the new roof to the completion date.

Please check your policies for the love of God.

So the hotel I was staying in last night caught fire. I left most of my stuff in the room, about $10k in A/V gear.

I’m fine, but the hotel looks to be in bad shape. Might not get the contents out soon, if ever. Also have a rental car in the parking lot, haha.

Wondering at this point what exactly I do.

I need to have the A/V gear for work, so I have to rebuy it. Relevantly, I own the business, so not a matter of getting my employer to reimburse.

Also just fun fact, the smoke alarm didn’t go off, so I was awoken by heavy smoke in my room. Fun!

I’m fine, I’ll be fine, but just curious what the best course of action is to make sure I am as compensated as I need to be here.

Back in March I was looking around for HO-6 insurance, because my premium kept rising and got quotes from a couple different places, nothing crazy I just wanted to compare my options before choosing one. A few months later I started noticing more random calls but at first it was maybe one here and there so I didn’t really connect the two and now it’s become unbearable, I’m getting multiple calls some days from numbers I don’t recognize and half of them are insurance related or just straight up random spam I’m not saying one of the companies I used definitely sold my information because I have no way of knowing that, but the timing has me wondering how this stuff actually works.

Do insurance companies or brokers share/sell leads after you request quotes, or could my number have ended up somewhere else in the process? I'll just use a cloaked number for quote forms and stuff like this now because I really don’t want to keep handing out my main number Anyone else notice their spam calls getting way worse a few months after shopping around for insurance?

so I was looking over my car insurance premium today from progressive as my renewal date is 11/1/26. my partner and I were talking and I realized he is paying half of what I am paying. My car insurance premium for the 6 months paid in full was $1,627. I always paid in full so I got that discount. I’ve also been a customer since 2017, and have multiple discounts, like 5 years no accidents. 3 years good driving record, car safety discounts, bundled my home insurance etc. I looked at his policy and mine and the coverage was basically the same.

I decided to call progressive and get a requote because something didn’t feel right. After getting requoted my new premium for the 6 months paid in full is $560. I was shocked. How did I go so long paying 3x the price. I told the lady aren’t they supposed to check your data and readjust when they update your premium. she said yes and was shocked at what a big price difference it was. She stated it was the biggest she had ever seen. I’m frustrated that I had been overpaying for probably over 3 years.

the more I thought about it. I realized that they knew what my data and driving record was clean. they just knew they could get away with it because I trusted them and didn’t think to ask questions. See in 2017 I had to get off my parents insurance and get my own insurance. I had a rough spot with my record. I had a minor parking lot accident In 2015. Then in 2017 I had a major accident and totaled my car. I also went to court for two traffic tickets (speeding) and got 4 points on my license. I believe that progressive jacked up my insurance (rightfully so) due to my bad driving record and never adjusted it since 2017.

Since being a customer of Progressive in 2017 I have had a perfect record. no accidents, claims or tickets in the last 9 years. is there anything I can do? otherwise take my experience and make sure you are getting quotes periodically. you could be over paying.

I plan on just cleaning it up and repainting the area, I’m not entirely sure how grazing it knocked it down. The security company seems really sketchy that I had to deal with, should I report it to my insurance and have them deal with it? Should I just eat the fine? Never been in any sort of accident before

I have owned a Nissan Sentra for a few years and always got it serviced and barely drive, yet my transmission is now completely gone. Apparently Nissan Sentras between 2013 and 2019 often have this problem, which caused Nissan to extend their extended warrently. I definitely fall in the mileage of the extended warrently, but age out by 2 years.

Is there anything that can be done in a situation like this? Would insurance play a part at all? At this point Nissan has refused to help.

Thank you for any suggestionsL

Anyone else get a statement from California Fair Plan with updated rates? How are people coping with the significant increases? Ours went up by over 400%.

Hey everyone, I(24 F) have (had) a storage unit from Public Storage that was wrongfully cleared out. Basically a woman hired two movers to clear out her two units, and they cleared out one of her units and then my own. Cut the lock off of it and loaded everything into a truck. I have insurance through Orange Door insurance, the one they offer.

I’m in the process of filling out a claims sheet, and I’m finding myself sorely lacking “proof of interest”. Lots of the clothes, Furniture, and home appliances I lost were gifts given to me years ago, so I hardly have any receipts. Also, just because I didn’t know better, I didn’t take “before” photos of my storage unit and its contents after I filled it when I first moved in.

Orange Door is known for being scummy cheap, and I just have a sinking feeling in my stomach that because of my lack of documentation, I’m not gonna get any sort of reasonable payout.

I was recently impacted by a wildfire. Thankfully my home survived. We have 5 burnt trees and possible smoke damage in the house though we and others cannot detect an odor.

I have a 3 year statute of limitations on my policy for claims.

Those that file claims typically see a 22% to 29% increase in premium. I know my rate is going to go up next renewal regardless for inflation plus the fire. The question is, do I file now for the trees plus likely toxic smoke damage in my home or wait until spring to see if the trees come back and they raise my rates regardless?

I have an auto policy and a rental/home policy with Erie. I rent my house and keep my car there because I’m a student living off campus.

I recently bought a motorcycle and told Erie that I would be storing the motorcycle at my parents’ house because they have a garage. I specifically said the motorcycle would be garaged there, and that nothing was changing with where my car was kept.

A couple months later, I checked my declarations page and noticed that Erie now lists my parents’ address as the garaging location for both my car and motorcycle.

I never asked them to change the car’s garaging address and never told them that the car was being stored at my parents’ house.

Could this cause problems down the road if I get into an accident with my car, since the policy documents incorrectly list my parents’ address as the car’s garaging location? Should I contact Erie now to have it corrected, or is this something that generally wouldn’t cause an issue with a claim? I do stay at my parents house couple days a week but I primary reside at my own apartment. The rate is slightly lower but negligible difference.

I’ve never been pulled over
I share car w my partner and I’m an added driver
It’s my first ticket ever besides parking tickets
Will his insurance go up ?

I was in a bad accident in NJ in 2023 with significant injuries (I was rear ended at a red light so 100% not at fault) and my insurance definitely went up but I assumed that was because it’s a no fault state and I used my PIP.

My husband accident scratched a car in a hospital parking lot and left his contact info on the car. The owner of the car reached out and he gave her his insurance info but also offered to pay out of pocket since our insurance went up with my not at fault accident and we weren’t sure if in NJ both sides insurance goes up or if that’s only in the case of using the PIP.

Even with my accident our rate is pretty reasonable at $1700 for 6 months for both of us because we drive older cars and only drive like 5 miles to work, I think my husband is just embarrassed because he’s 47 and this is his first accident. The other driver already filed a claim, I’m just curious if I was right in my thinking that it could raise the other drivers rates as well. Ty.

My boyfriend and were in a car accident last night. We were heading home from a relatives and a car was driving super fast behind us and hit the passenger side bed of our truck. We slid and spun to the right side of the road (thankfully) but the bed of the truck was pretty much totaled. The driver that hit us also hit another car in front of us and totaled their car as well. We are okay thankfully but we had to have our car towed. The driver that hit us ended up getting out of the car and kind of wandered off but I think he threw an alcohol bottle. He seemed intoxicated. He ended up being taken to the hospital with his girlfriend. We weren’t able to get their insurance or drivers license. But we did get a picture of their license plate. The police were called and they told us we would have access to the report in 30-60 days. They called their own towing company and told us it would be taken to the pound but I didn’t want that to happen cause I didn’t want to have to pay the fees and hassle of getting it back especially since it’s not drivable. We ended up paying the tow truck that arrived to have it dropped off at our house. I filed a claim through our insurance but I do not have collision coverage for the vehicle. Our insurance said we weren’t at fault but they don’t cover anything. No rental or damage repairs. Since our truck is totaled I’m not sure what to do. I needed to use that car for work since my car has been having issues and is shaking a lot and I was going to save up to have it fixed. Now I don’t know what to do. Will I have to just assume all repairs?

I hit a deer with my 2018 Honda Civic with 59K miles in mid July. I filed a claim with my insurer (full comp/collision, $500 deductible) and chose a repair shop that was preferred with the insurance. Ive been with this insurance, American Family, for 20 years, no claims.

Car was still driveable, no radiator leakage, crumpled up hood and grill and the engine didnt make any bad noises.

First, it took 5 weeks to get in for repairs. They never gave me an estimate at the beginning as the hood was crumpled and had to be cut open. It took them almost 3 weeks to finish the repairs. Total bill was $8k and I paid my deductible. I also had to pay for a rental car..about $700 for that time the car was in the shop. I did get a reduced daily rate through my insurance.

As soon as I got my car back I knew something wasn't right. I got it on a Wednesday and it just seemed to run really hard while in park. The next Saturday check engine lights came on, so I took it to a parts store for a scan. They said somethings wrong with the turbo booster.

I took the car to a honda dealership bc after the repair shop obviously not knowing what they're doing, they advised the turbo connector is broken, the turbo assembly and engine wiring harness need to be replaced and was apart of the initial accident, and it would cost an additional $8K.

After a week and a half of the insurance hemming and hawing, I was notified today that the car is a total loss and they'll be contacting me by Friday with a pay out amount.

Given that they've already paid 8K to the initial dealership, can I expect them to offer me a settlement minus that 8K or the full/close to KBB amount? It's fully paid off, we'll cared for and minimal cosmetic damage (like small door dings).

I am moreso upset that ive been without reliable transportation for 3 months now, out $1200 with the deductible and rental car, when had the initial repair shop done their job correctly, it would have been totaled and I'd already be in a new car.

Question about annual mileage changing during an insurance policy
I’m looking for some advice on how annual mileage works with car insurance in the UK.
When I took out my current insurance policy, I was a student and estimated that I would do around 7,000 miles over the year. Since then, my circumstances have changed and I’ve started a new job, meaning I’m now driving considerably more.
Based on my current mileage and the amount I’m driving, I’m expecting to do around 14,000 miles by the time my current insurance policy comes up for renewal.
My question is: do I need to contact my insurer now and change the estimated annual mileage on my policy, or is the 7,000-mile figure simply an estimate that gets checked at renewal?
I’m also wondering how insurers actually verify the mileage. My car had an MOT about six months before I bought it, so presumably the mileage is recorded on the MOT history. Would the insurer be able to compare that with the mileage at my next MOT/renewal and see that I’ve done more miles than originally estimated?
There was obviously no intention to give an inaccurate figure when I took the policy out — my circumstances genuinely changed after starting a new job.
Would you guys recommend updating the policy now, or just declaring the correct mileage when I renew?
Thanks!