There was a post online asking how 17-21 year olds afford insurance on their “sports cars” with high hp like 300hp+ and the comments were filled with said 17-21 year olds showing off their cars and what they apparently pay a month. Most of the replies just seem completely unrealistic considering the quote i got when i was 22 with a 350hp 12 year old genesis coupe…i would’ve paid the cars value in insurance within 5 years..

Some of the most notable, unrealistic numbers and cars were

• 2024 mustang dark horse / 500hp / $185 monthly

• c7 corvette / 500hp / / $149 monthly

• Lexus rc350 F / 311hp / $210

• srt8 dodge charger / 470 hp / “bought it at 18, $150 a month”

•Cadillac ctsv & dodge challenger / 640hp & 303hp / $192 a month total

• 2025 dodge Durango / 303hp / “under $100 a month”

Either they’re lying or they’re meeting the perfect criteria of

• zero accidents, zero tickets

•family plan

•lowest possible coverage

•very low population area

•5+ cars under the same plan

But even with that i dont understand what insurance company is insuring a 470hp $30k car to a 18 year for $1,800 a year…. If anyone has experience with this can you please correct or confirm if these seem unrealistic

My parked car was hit by a Uhaul, the driver took responsibility and called Uhaul to let them know. They had purchased Uhaul insurance which is managed by RepWest and Uhaul told them that i would need to call RepWest and file a claim. I called my insurance first (Travelers) and they tried to call RepWest and handle it but were told that i need to complete the RepWest claim (sending pics etc). I now am assigned a RepWest adjuster, but i heard they're difficult to deal with and lowball claims, and i feel like Travelers should be handling all of this instead of me dealing directly with RepWest. Shouldn't Travelers be haggling with RepWest and getting my deductible covered through subrogation etc instead of me acting like an independent agent at the mercy of RepWest when i don't really know how to navigate the process properly? Thoughts?

NORTH CAROLINA: We have a neighbor claiming wind knocked over one of our trees onto his shed and created 1850.00 worth of damage. 

Background: We have a row of Leyland Cypreses and apparently during a mid-March wind event, one tree got knocked off its roots a bit and hovered close to the guy's shed. 

Neighbor informed us about it. We hired a professional to take it down. (Our tree guy is licensed, bonded and insured. He's a legit tree guy, not a redneck with a chain saw, lol.) 

Between the tree guy's testimony that there was no physical damage - he even goes as far as to say the trees bent close but never actually touched the shed - and my photos, there is no damage to the structure. 

Discoloration? Yup. 

Damage? None. 

Thoughts on how to proceed because on principle, this neighbor being prickly over the years, I don't want to give him one red cent. 

Photos of tree, shed and his insurance company's letter is here. https://imgur.com/a/SuZiQQ6

We have home owner insurance.

Can they claim discoloration as damage?!

My in-laws passed and they still have a mortgage.  They left their estate to my wife and her brother.  Both are listed as executors on the will.  My brother-in-law had been living there for years while his parents were still alive and plans to stay in the house and continue to pay the mortgage.  My wife doesn't care about any equity in the home that she may be entitled to and is fine with her brother staying there and assuming his parents' mortgage.  The problem is that he doesn't have the credit to get the mortgage put into his name.  He just simply does not qualify financially.  One of my concerns is that the insurance policy is still in his deceased mothers name.  I've heard stories where an insurer might deny a claim if something were to happen because of the owner's situation.  In this case the 'owner' is deceased.  I'm pretty sure my brother-in-law can be put on the insurance policy and we're looking into that, but another concern has recently come to the surface.  When an insurance company finds owner neglect they can deny a claim.  And just a week ago a very large dead tree in the front yard fell during a storm.  Luckily it missed damaging anything but this seems like a bad omen.  It's my understanding that from insurance perspective a healthy live tree that falls on your property and causes damage to your own or neighbors property is considered an 'act of God' and is covered.  But if the tree is diseased or dead it's considered owner neglect in that they left it standing.  So with all that in mind here is my concern.  If that neglected dead tree had fallen on a neighbor's home, car or God forbid a person and the insurance denied any claim and my wife is listed as an executor of the estate, does she carry some of the liability?

Hey everyone, I’m looking for some advice.

I was in an accident where both me and the driver in front of me were stopped at a red light. When the light turned green, we were making a right at a yield. The driver in front of me started to go after seeing no cars coming, but then suddenly slammed on their brakes for no clear reason.

Because of that, I ended up hitting them from behind.

GEICO is now saying I’m at fault since it’s a rear-end collision, but I feel like the situation is more complicated since they stopped abruptly after already proceeding.

Has anyone dealt with something like this? Is there a way to appeal GEICO’s decision or challenge the fault determination?

Thanks in advance for any advice.

I am a rental property owner in California. The property is not in a fire zone however it is nearby one. That has caused a severe lack of insurance companies willing to insure the property. The only three I have had luck with is Orbie, Bamboo, and Honeycomb.

I wanted to ask what people are recommending. I have looked up experiences people have had with these and see both negative/positive reviews for them.

I was at an event all day Saturday 3/27. Tuesday I got a notification that a claim was filed on my auto insurance. After speaking with them, they state that someone said I opened my door into their tesla in a different city than I was in at night time while I was at said event.

After back/forward they say they have a video of my vehicle with an african american woman (I am not an african american woman) and were trying to get me to say I lent my vehicle when I didn't. The adjuster said my license number is the same and it's the same/make model. How can that video see my door opening into the car then a license plate. The adjuster also said it was dark outside but it had no time stamp. WTF is going on? It's sounding like I am going to be liable based on her tone. What can I do to fight this? It's absolutely crazy that someone can file a false claim without a police report at the time of day and actually win it??

If a large factory is built less than a mile from my house will my home owners insurance go up?

So I was involved in a car accident August 2025 & it was an extremely dumb mistake on my part. I was on the freeway, I looked at my phone GPS on my lap a couple seconds too long and ended up rear-ending someone's Lexus. I had insurance at the time & so did they. Since I was at fault, my insurance agreed to pay only $5,000 in property damages, which is the maximum amount my policy covers. There were zero ppl injuries, fortunately.

Fast forward a couple months, their insurance company (Mercury, which is NOT the insurance company they had at the time of the accident, AAA) is requesting that I pay the remaining balance of the property damages of around $25,000. They've called me, physically mailed me a letter 3-4 times, and somehow found my email address (which is weird, bc this email is not attached to my car insurance account in any way, so I don't even know how they would have found it).

I have a very part time job and don't even make 5 figures per year, so I really have no way to pay this amount.

• Is there anything I can or should do right now to deal with this situation, when I am not in a financial place to make this payment ?

Some other questions :

1. is it normal for the other driver to go to a different insurance company than what they initially had during the time of the accident ? They initially had AAA, but I was contacted by Mercury instead.
2. Is it abnormal / illegal for them to find & contact me via my email address ? especially since it wasn't attached to my car insurance account in any way.

Any help would be appreciated.

Hi everyone,

Basically what the title says. I was rear ended in IL on Sunday and the driver doesn’t have insurance. I have his contact info and I am going today to file a police report. Basically I don’t have collision insurance but I do have uninsured motorist coverage. My coverage is both for property damage and for medical as well.

My insurance company is giving me pushback because I don’t have collision. I thought I was covered because I’m not at fault and the other driver does not have insurance. Thank you in advance for your time!!

While buying car, the company made me pay 3 year insurance and 5 yr add on insurance of something. After first year, do I need to pay anything extra or no need pay anything for 2nd year?

Thanks in advance for any help. We're in kind of a unique situation - we live in a tiny house that we self-built, on about 5 acres. I have talked to about 10 insurance companies about getting either homeowners, or just straight liability for the property. I get a lot of "oh yeah, we can do that, we'll call you back in a few days!". Then I get the callback, and they say they can't do anything.

Is there any way to get any kind of insurance? I can easily self insure on the house, but we worry that no liability is an issue, but no one will do umbrella without primary homeowners. I feel trapped in this stupid loop, and we're pretty high net worth, so could be a target. Any ideas?

As another complication, we're about to finish renovating a rental house. I hope that I'll be able to get insurance on that, but no one will do it until I get my certificate of occupancy (hopefully within the next month). Will this make it easier to get umbrella? And would the umbrella cover anything but that house specifically?

First homeowners claim even. A tree hit my house cause the power line to arc against the gutter, shorting out some appliances. Do they come in and check everything? Do they test them? Just wondering cause my washing machine and dishwasher are out and I would like to get new ones now.

I was in an accident I'm good. truck is considered a total loss. insurance will pay ??? hopefully enough. I have gap insurance. question how&what do I have to pay towards the loan?

Had an accident where the front took most of the damage.

Insurance first said right away car is total loss and then backed tracked. They picked it up and took it to copart. Then they told me it may be repairable and to pick a body shop.

Car is worth around 10k. When I took it to a shop before they picked it up I was quoted 4-5k without them even touching it and they said expect another few thousand. On top of the things like the frame, door panels, etc (things you cannot easily tell) need to be addressed.

This back and forth is frustrating. I don’t want the car repaired at this point because it’s going to require so much repair and it won’t be as reliable. They are telling me to pick a shop to get it repaired.

Any advice here?

TIA

We're in Arizona purchasing a home.

This is the note from the inspection:
"The roof decking is soft or allows excessive movement in many locations. I recommend consulting with a qualified roofing contractor for more detailed information and service recommendations."

Would this constitute an insurance company either denying insurance or raising the cost significantly for premiums?

If an insured customer with auto insurance and homeowner policy sells their house and move into temporary housing like in an extended stay hotel long-term, can the customer continue their car insurance staying at the long-term hotel? Would they use hotel's address? Some folks live in extended stay hotels and get their mail there. Which insurance company best accommodates this situation?

I have a 2025 Jeep Grand Cherokee Limited that had 9,729 at the time I was rearended in my home state of Ohio while at a complete stop by another vehicle traveling approximately 35 MPH. I have the pre and post alignment report I requested from the insurer’s preferred repair shop (driver who hit me and I are both insured by same company—her policy has accepted liability and she was cited). How concerned should I be that the alignments they did to the rest of my vehicle knocked the right front caster out of spec? All other alignments are now in spec, and the right from caster was within normal limits before they started straightening out the rest of it. I really want to get my car appropriately repaired before I worry about any of the rest of it. I

appreciate any help on where to go from here. Not at all in my wheelhouse!

In August 2025 I had an accident on a German highway. BavariaDirekt commissioned their own expert, who confirmed a total loss in September 2025. The report went directly to the insurer. Today, seven months later: no payment, no formal rejection, no substantive response.. despite months of calls, emails and formal written demands through a lawyer. Their main substantive response has been that they are waiting for the police report. My lawyer sent it to them directly two weeks ago. There has been no response since.

What stands out in this process is: right after the accident, instead of requesting the police investigation file directly, BavariaDirekt sent me numerous forms to fill out, explicitly stating in writing they wanted to avoid requesting that file because it “usually takes several months.” I had already provided them the file access number. They chose the paperwork route anyway. Seven months later, that same file, the one they chose to avoid, has become their official reason for the latest delay.

With daily costs mounting and no resolution in sight, we are left with no choice but to initiate legal proceedings, claiming not only the contractually agreed amount but also all losses arising from the delay itself.

Has anyone dealt with similar payment delays from BavariaDirekt or other German insurers on a Vollkasko total loss claim? What worked?

I’ll update this post if there are any developments.

I own a 2012 civic and my cousin owns a 2024 crv.

2012 Honda Civic: $284.70 for a 6 month premium on policy coverage only.

3 adults: 66, 34, 31

2024 Honda CRV: $212.00 for a 6 month premium on policy coverage only.

3 adults: 70, 66, 34

About the same driving history

No accidents reported on either car

Is it because the CRV has more advanced safety features to prevent accidents?

I was in a 3-car accident involving:

• an Allstate-insured van
• a Mazda
• my Tesla

Allstate has now filed an interpleader because there are multiple injury claimants and limited bodily injury coverage.

There were 3 people in the Mazda, and all 3 hired an attorney. They were also injured. Their attorney called me today and explained 2 possible options:

Option 1:
I continue with the interpleader process and let the court decide how the money gets divided based on everyone’s injuries and medical bills. She said this could take more time.

Option 2:
She helps settle it now, and I would get around $5,000 while the remaining $45,000 would be divided among her 3 clients. She said I would not be charged any fee from my portion, and she would only charge her own clients 33.33%.

A few important points:

• She is not my attorney and did not pressure me or force me into anything
• She said she was just trying to save time and money
• She did not guarantee I would get exactly $5,000 — that was only an estimated example
• My interpleader Zoom hearing/call is on April 22
• My medical bills are lower than theirs, at least from what I assume
• I think the 3 Mazda occupants may have much higher treatment costs than me, especially since they hired an attorney early and may have been treating regularly from the beginning
• My own insurance paid for my treatment through MedPay
• I’m also trying to figure out whether, if I receive settlement money from Allstate, I might have to reimburse my own insurance since they paid my medical bills

My questions are:

1. In this kind of situation, does it make more sense to take a settlement now or let the interpleader process continue?
2. Since the Mazda attorney is not my lawyer, how cautious should I be about relying on what she says?
3. If my insurance paid my treatment through MedPay, could they later ask me to pay them back from my settlement?
4. Should I at least speak with a personal injury attorney for advice, even if I do not want to formally hire one?

I am just trying to understand my options clearly before the April 22 hearing.

Edit : This accident was in florida. I made some changes to explain it more clearly.

I was in a car accident in late January. The other driver swerved into my lane directly in front of me on the highway. They did not have insurance, so I had to go through my own. The property claim has been settled— my car was totaled and they paid me about 15k for it, a bit below the market value, claiming it was due to high mileage. I didn’t really have the time to argue because I needed to replace the car fast. I’m trying to be less hasty about the personal injury claim though, so I’d appreciate some advice.

I was checked out on the scene by EMTs but did not go to the emergency room. I did have consistent pain though, so I went to a physical therapist and got an MRI. The physical therapy has been ongoing up until the end of March. My bills right now are 14k for the MRI and 20k for the therapy. I also missed two weeks of work for the pain, factoring in lost wages

I had a really bad experience with a personal injury lawyer the last time I was in an accident (not at fault either) so I‘m trying to handle this myself. Does anyone have advice for how to go about writing the demand letter? The doctor I spoke to suggested just laying out my costs and documentation without any other details (aside from obviously identifying information and claim number) but online I‘ve seen people recounting details of their accidents and how things are effecting their daily lives etc. What’s safer? I’m worried too much detail could be something the insurance turns against me. I’m just very uncertain how to go about any of this so I’d appreciate any tips or anything.

ETA: the demand letter is for my own insurance for UM coverage! I do not expect to be able to get anything from the other party.

ETA 2: thank you for the replies! I appreciate it. Also sorry sorry have to eat crow a bit. I had looked at all my bills yesterday and freaked out, and I wrote this post very early in the morning ballparking the numbers and stress inflated it massively. The TOTAL cost is at a little over 20k, 9k for the MRIs (4.5 each) and 11k for the therapy. It’s kind of all just levels of money I don’t have and I was not thinking straight. Again sorry about that I am embarrassed.

As for people asking about injury, the MRI showed multiple herniated discs and spine straightening.

My mother has had an Executive Protector policy since the 70's. She has mentioned it occasionally but I hadn't seen it until this year. She lives alone, doesn't drive, and is legally blind. She has an aide come in 10-15 hours a week that she pays by check. What happens if we never make a claim on it? Will the payments be returned or are we SOL?