r/Insurance

I came across a stat saying around 400,000 insurance professionals are expected to retire by the end of 2026, and honestly, it made me stop and think.

If that's even close to accurate, that's a massive amount of experienced people leaving the industry. At the same time, I keep hearing agencies say they're having a hard time finding experienced people.

I'm curious. Does this actually match what you're seeing? Are agencies really struggling to replace retiring agents, or is this being overstated?

As the title mentions I was involved in the four car accident. I was the last car to get hit.

We know the main car that caused the accident, but should I go through my insurance (full coverage 100/300 & 1k Dedu), their insurance, or lawyer up just because I broke my toe and ankle due to the impact. Should I split collision and injury between insurance and the lawyer?

Any recommendations on how to proceed? I seen others sue the other parties, not sure if this is the way but I wanna go for the best payout for work lost.

Tyia! First major collision.

Hi. I was t-boned a week ago. Statefarm accepted liability because the person who hit me was totally at fault (ran a red light). I received an offer of $2,800 (800 of that is due to lost wages) for pain and suffering. So before the lost wages were added on, my settlement was $2,000. Oh and they offered $15k for medical bills up to 180 days after the incident.

I have never been in an accident before. I have no idea if this is "good" or not. Generally speaking, I know big insurance companies low ball you, so I could probably get more than that.

All that said, I walked out with light injuries, so I THINK 15k for medical bills is fine. I had minor bruises and am already feeling better.

My issue is the $2,000 bucks for pain and suffering. My husband was in the car (he was the passenger, and I was driving). And he was awarded $2,500 (not including lost wages). I'm not trying to make our pain a competition (lol), but he told he experienced little to no pain after the accident. Meanwhile, I was on muscle relaxers and painkillers. My whole body ached. Etc. etc. That said, I already feel better. It's not like I broke any bones.

Should I try to get more? I feel like I should at least get as much as my husband (if not more). Or maybe I should be happy with $2k?? I'm clueless!

If I try to ask for more, how should I go about it?

Last question - my husband is worried that if I take too long to accept an offer that StateFarm can magically back out of paying. Is that a concern I should have? As far as I'm aware, they haven't given me a deadline to accept an offer. They gave me a deadline to accept the current offer of $2,800, but they specified that if I don't accept THAT offer by the deadline, that doesn't mean I won't get paid.

Any advice is appreciated! I don't think I'm interested in a lawyer. I don't think the accident was big enough of a deal to warrant a lawyer. I just don't want to get screwed over.

I have Sunlife Par II paging for already 5 years. Thinking of replacing it with Term insurance insurance. Do you think its a good move to do that or i will just stay with Sunlife Par II

Im 35 years old Married, with mortgage. Not smoking and no health conditions. Im earning 60000 annually. I have 30k TFSA and 25K RRSP.

Sun Par Protector II with 53, 501 Death Benefit Im paying 132 Cad per month

Im thinking of getting Term insurance instead of Permanent because of my mortgage but i talked to my advisor and she said it wrong move to cancel my Sun Par

What do you all do when renting a vehicle.. do you pay extra for collision damage (extra $50 a day), or do you depend on your own insurance covering it, also some credit cards will pick this up if you waive the collision damage part? Any experience with this. please share. Thank you

It's as if every possible bad scenario has aligned and left me with absolutely no options. I must have pissed off a voodoo woman in a past life who cursed me with terrible luck and a lifetime of debt.

So, I started my job a little over a year and a half ago. When signing up for insurance, the plans and website were very poorly made and difficult for a layman like myself to understand. So I picked the cheapest plan. It was Cigna. Then in November I got pregnant. I called Cigna to ask if they covered NIPT testing and was informed that the plan I was enrolled to was preventative only and covered no maternity care. I was still covered under my mom's insurance and so we just went with that. It covered everything.

That is, until my 26th birthday passed in June. I was no longer covered under my mom's insurance and Kobra was $750 a month (and doesn't cover baby). So I used the qualifying life event to cancel my insurance and get insurance through my husband's job. He picked the plan, said it sounded good. So they say our coverage begins July 1st. July 2nd I have an OB appointment, but we have not been given a policy or group number to give them. I say I'm covered but don't have the info yet and ask them to hold off on billing, they say they can't since it goes through the hospital. We contact the insurance company and they say because of the holiday, it won't be ready until Monday (today). Okay, whatever. Monday comes, I still have no information to give them but I go in for an appointment today. I'm told that I owe $500 for my last appointment and will owe $500 for today and that they won't see me again until it's paid. Whatever, it's my last appointment anyways. Then they tell me that this insurance my husband signed up for (Imagine360 🤦‍♀️) isn't in network with them or the hospital, and that my birth will not be covered and neither will these last two appointments.

So what am I supposed to do? I'm being induced TOMORROW and I just find this out today. I have been on FMLA leave for 2 weeks but I haven't missed a paycheck yet and I make too much for Medicaid. I make too much for indigent care.

My husband called Imagine360 and they say they don't go through networks, you just tell whichever hospital you go to to bill it to them and they'll cover from there. So I guess it's like a self report? Idk, we're so confused and so frustrated. We're in the state of Georgia.

Any advice is appreciated. Thank you.

I’m in my mid-20s with no college degree, currently working as a delivery driver. I’ve hit a wall and need a career with a higher income ceiling and better stability.
I’m looking into the insurance industry—specifically Claims Adjusting or Sales/Agent—since it doesn't require a degree. Before I start studying for licenses, I'd love an honest reality check from people in the field:

1. Is this actually a good move? Does the industry still offer the stability and income potential it’s known for?
2. Claims vs. Sales: What are the pros, cons, and day-to-day stress levels of each?
3. Burnout: What is the turnover rate like, and is it worth the jump?
   Any insight on what the grind is actually like would be awesome. Thanks!

Surely we can all work together to start a class action lawsuit. Enough people come forward with complaints of retaliation, harassment, and discrimination and something will happen. We all seem to be having the experience so why not do something about it? These supervisors are listening to our calls and typing up about us all day at work to protect theirselves…why dont we take action to protect us? We could find ways to document and build a case just like they do. There are thousands falling victim to this greedy corporation that pays managers to do unethical things to ensure company profit. Where or how do we start?

Updated post:

About a year and a half ago I was involved in a crash and received a ticket for an unsafe lane change. It was a double right turn lane, and I was in the inside lane but drifted into the outside lane during the turn. There was also an independent witness who said I was at fault, so I understand why liability was placed on me.

I was recently served with a lawsuit. I have $100,000 in liability coverage through State Farm, so I'm hoping that will be be enough. Before the lawsuit was filed, the other driver's attorney sent a policy limits demand offering to settle for my $100,000 limits. From my understanding, it appeared to be a Stowers demand. Since the case wasn't resolved, they filed suit and are now seeking monetary relief of more than $250,000 but not more than $1,000,000.

What surprised me is that State Farm didn't settle before litigation and instead is defending the case. From what I've been told, the other driver has about $24,000 in medical bills. They didn't leave the scene in an ambulance and appeared to be walking around afterward, but I know that doesn't necessarily mean they weren't injured, so I'm not making any assumptions about that.

This is my first time dealing with something like this, and it's honestly stressful. I'm also expecting my insurance rates to go up because I was found at fault. Has anyone else gone through a similar situation where their insurance defended the lawsuit instead of settling after receiving a policy-limits/Stowers demand? How did it ultimately turn out?

Hi all! I’ll preface this by saying both my husband and I work in the industry- my husband is even a bodily injury adjuster, but wanted to post here to gather some opinions. Everything has been turned over to our carrier, I know how the process works, and to not worry too much about actually seeing a courtroom. We were involved in a minor MVA in November of 2024 where the other party was rear ended at under 5MPH (foot taken off of pedal, no gas applied). Injuries seem to be all soft tissue with no lost wages. We were served the other day, but the circumstances feel a little strange. Talking with the adjuster, the attorney has never sent in a demand, bills or records, or even attempted to negotiate. Their office just went straight for the lawsuit with almost no communication with our carrier. The adjusters thoughts are that it’s just the protect the statute of limitations, but those still have a few more months to run (November). My husbands thought is that the firm dropped the ball on handling the case, so a lawsuit has been filed to appease the client. We don’t really have any assets or high paying jobs, so what are your thoughts on the filing of the suit?

Hi everyone, looking for some urgent advice on how to navigate a messy claims situation in Virginia.Last week, I was involved in a car accident.

I was actively clocked in, on the clock, and executing a mandatory work task/errand for my employer when the crash happened.I have the official police report, and it clearly lists the other driver as 100% at fault. My car (VW Passat) has severe front-end damage. The AC stopped working immediately, and the check engine light is actively on. I managed to drive it home right after the crash, but it is completely unsafe to drive now. It’s sitting disabled in my driveway.

Here is where I am stuck: The At-Fault Insurance (State Farm): They are officially stalling. They claim they "don’t have enough information to set up liability" (presumably because their driver isn't answering their phone calls). They refuse to authorize a flatbed tow or a rental car. My Personal Insurance (Progressive): They told me "no can do" because I don't have roadside assistance or rental reimbursement on my personal policy. Plus, personal policies typically don't cover commercial/on-the-clock use anyway. My Employer / HR: I’ve emailed HR requesting to route this through our company's commercial business auto policy. My boss knows I was clocked in but is currently out of town. HR hasn't gotten back to me yet today.Because of the July 4th holiday weekend, everything was completely shut down, so no progress was made.

Now it's Monday morning. I had to miss work on Friday (7/3) and today (7/6) because I am completely stranded. I do not have the upfront personal funds to pay out-of-pocket for a private flatbed tow to a shop and a rental car.What are my options here?

How do I force State Farm to look at the police report instead of waiting on their driver? If my employer continues to drag their feet on utilizing their commercial policy, what leverage do I have? Also, how do I go about recovering my lost wages/hours for the shifts I've missed?

Any advice from adjusters or people who have been through this is greatly appreciated. Thanks.

Note: I used AI to help me write and organize this post because I am incredibly stressed out and stranded at home trying to deal with multiple insurance companies today. Here are the exact facts of my situation:

I got in accident on freeway when another car and my car try to merge onto same lane at same time and hit each others side. Both of us believe it’s each others fault and their insurance denied our claim and insurance denied their claim. I repaired my vehicle using my collision coverage and paying the deductible. Today I received a letter from my insurance stating they decide to close the case and not enter arbitration due to not enough evidence but believe that the other party is at fault.

What does this mean?

1. Will my insurance rate go up in future ?
2. Did the other party insurance decide not to enter arbitration too or they can still request one?

Hey everyone just a little anxious so figured I would make a post asking for some clarity.

So was in an accident where I was deemed not at fault by the officer, and both insurance companies. Now the other drivers have got an injury attorney seeking compensation through my insurance. I know I don’t personally have anything to do now it’s their job to protect me.

But I stupidly only got 50/100 coverage as this was my first plan and I didn’t know any better (now I do). This is causing me anxiety and stress at an already stressful time but gotta deal with it. Anyone else had something like this happen? And what are the odds they would be looking to get more than my insurance can cover even if I wasn’t at fault?

Looking to have just decent coverage for myself and whoever is driving my car. Usually my partner is, or a family member.

Don’t need anything too crazy. 2018 Chevy Equinox, just want to be covered enough to where I’m not totally screwed if an accident happens. Any recs?

Right now I’m paying $205 a month for Allstate

I was recently involved in an accident and need some perspective on how insurance companies handle split fault when a DUI is involved**. Yes, I’ve already reached out to a lawyer,** but I’m looking for some anecdotal experiences.

The Incident:
I was merging from the left lane to the right lane. While I was merging, the car behind me accelerated (I can't prove this, but I know she did). Right after the merge, the traffic light ahead abruptly turned red, so I had to brake hard. The driver behind me failed to stop and rear-ended the rear-right side of my vehicle.

The Police Outcome:
The responding officer reviewed a nearby camera and ended up citing me for an improper lane change. However, the driver who hit me was arrested at the scene and ultimately charged with a DUI along with a few other charges. I strongly believe her impairment caused her to make the wrong inputs (accelerating, missing the yellow/red light change, and failing to react in time).
I’ve already reached out to a lawyer, but I’m looking for some anecdotal experiences and insight on two things:

1. Insurance Repairs & Rates: My insurance offered to pay for my repairs upfront while they conduct their investigation. Will my rates spike just because they are paying out right now? Also, it was a minor fender bender, but I had child car seats in the vehicle. Should I report the car seats to insurance, or try to keep the claim as "cheap" as possible?
2. DUI vs. Citation Fault: Can the other driver still be determined 100% at fault by the insurance companies because of the DUI, despite my improper lane change ticket? Will her insurance end up paying for my repairs?
   Thanks in advance for any insights.

Hello - I was involved in an accident on 5/6/26 (not at fault) and initially decided to go through the other party's insurance (AAA) to repair my vehicle (2022 Tesla Model 3). I'm in California, if that makes a difference.

5/29: Dropped off vehicle at the Tesla Collision Center for teardown/estimates. Also picked up my first rental vehicle direct from Tesla.

6/8: Received the repair estimate of $17.5k. I conveyed this to AAA and was told this was over the third party's policy limits of $15k. At this point, I decided to go through my insurance (Tesla) for repairs.

6/11: Tesla Collision provided Tesla Insurance with an updated repair estimate ($13k).

6/12: Returned Tesla rental since I was leaving for a vacation.

6/24: Returned from my vacation and picked up another rental from Enterprise.

6/29: I found out (after nonstop calling bc no updates in 2 weeks) that this was denied and another estimate (without the Tesla discount) was submitted on 6/19, which I believe is currently under review.

6/30: They told me my vehicle was under potential total loss review.

7/6: Followed up with my adjuster and she has no additional updates. My rental coverage will end on 7/8 and she said she can extend it to 7/10 because the daily rate for my current vehicle is under the $45/day so I have a little buffer.

I'm honestly at a loss on what to do at this point. They won't give me a clear decision on whether they plan to repair or total my car and I'm running up on my rental coverage. One insurance agent I spoke with at Tesla said there are no exceptions to the rental coverage and then another was very apologetic and said they sometimes make exceptions if Tesla is causing the delays--which is my situation here. Tesla Collision and Tesla Insurance are not able to come to a consensus, and I'm stuck in the middle without my vehicle.

Is there any way legally I can get Tesla to cover a rental until I either get my vehicle back or they make a determination on totaling my car? Or anyway I can get the third party's insurance to cover it? Complain to CA Dept of Insurance? Tesla Insurance has been a real PITA to get a hold of and I'm so frustrated by this whole situation, especially since I'm not at fault for this accident. The Tesla Collision Center guy has been great in keeping in the loop--basically to say that there are no updates, so I don't fault him here.

Any advice would be super helpful. Thanks!

I got a damaged surface pro 4, and I wonder if insurance companies might cover part of the cost for a new one? It seems my insurance include stuff like the cold damage on my screen. I am a little bit desperate as it is an important tool for me in art. They do not make the surface pro 4 screen anymore so it is likely not possible to have it fixed. So if I get one around the same cost or even a bit better an cover the difference, can I get the new modell I want without issues? It is a bit to expensive, so I really hope my insurance will ease the gap a bit. :/

Collision shop called me today to let me know that my leased car will more than likely be declared total. After tear down and working up the supplement they are very close to the legal threshold in my state where a car is declared totaled. They are now waiting for StateFarm to send an adjuster but told me they would be surprised if they decided to continue with the repair.

As this is a lease car how does the payout for the car work? Does State Farm send me the money and I send to the captive lender to pay off the vehicle and trigger GAP for the remainder? Does State Farm work directly with the lender at this point and I am no longer involved in the process?

Looking for some guidance; my daughter is a permitted driver and is listed on my auto policy as such. When she drives with me, it is only in my vehicle and with me as the adult supervising.

I am the parent with physical custody, her dad lives in a separate household and carries his own auto insurance. He allows her to drive his vehicle on occasion well when she visits.

Does Dad also need to carry her as a permitted driver on his own auto insurance policy?

The reason I ask is because I do not want my auto insurance to be held liable for damages that may occur while my daughter is driving with him. Also, they are planning a long road trip in a week and my daughter has said she will be driving on this trip in a car that her father will rent (presumably, so he can sleep). I do not want my auto policy to cover this or any damage/accidents in the rental car simply because he chose to allow a teenager to drive (that would not be my choice).

Do I tell Dad that his auto insurance needs to reflect coverage of our daughter and ask for proof before they depart as a way to cover myself if the rental car is wrecked?

Does it cover the finance amount or the whole loan balance including the interest?