I’m 26 years old, have had my license a little over year. I drive a 2007 Toyota Yaris and I’m paying $167 per month for insurance with The General. I live in Philadelphia PA, and have 0 accidents. Does that sounds right?

Does anyone know of a home insurance company or policy that covers bed bug infestations, extermination costs, or replacing damaged furniture/mattresses? I know most standard policies don’t cover them, but I’m wondering if there are any companies that offer this type of coverage or an add-on option.

Hi, I am moving 1 mile away from my current apartment. I submitted an address change to my insurance agent, and my car insurance is going to increase by around $20 a month. Is this normal? I'm not even changing zip codes.

I’m a 20-year-old Business Management student at one of the top universities in the UK, and this summer I landed an underwriting internship at a major global insurance company in a developing Asian country.

I was genuinely excited because I’d never worked in insurance before and thought it would be a great opportunity to learn about underwriting and see whether it could be a long-term career.

The reality has been quite different…

The office culture is very quiet. I’m the only intern, and everyone else is at least twice my age. People are polite, but they mostly keep to themselves, so it can feel pretty isolating. I also haven’t received much guidance. Most of the work I’ve been given is things like reading internal documents or doing very basic admin-type tasks, and it feels obvious that none of it is particularly important to the business. I understand interns aren’t expected to make huge decisions, but I was hoping to get more exposure to how underwriting actually works.

It’s made me wonder whether I’m getting the wrong impression of the industry because of this specific internship.

So, for those of you working in underwriting:
- Is this a fairly normal internship experience, or am I just in an unusually quiet team?
- Do underwriting roles become much more interesting once you’re actually an underwriter rather than an intern?
- What do you enjoy (or dislike) about underwriting as a long-term career?
- Is there potential to earn a good wage as an underwriter?

I’d really appreciate hearing from people already in the industry because at the moment I’m finding it difficult to tell whether this is just a slow internship or whether underwriting simply isn’t for me.

My dog got attacked outside a neighbor's house by their dog when it got loose from their front door. My dog has a fractured arm from the incident and we incurred some vet bills.

The neighbor texted me saying her homeowner's insurance agent is saying that because I said my dog needs follow-up care and I will have more vet bills over the next few months, that she needs to wait to open a claim so they can reimburse me all at once, because of her deductible.

None of this makes sense to me. Are there policies that have deductibles on liability coverage? By this logic, if my dog needs continuous treatment for the next year, then I need to wait until the year is over to be reimbursed for all the bills at once.

I asked her to call her insurance agent back and explain that I want to be reimbursed for the bills I have already incurred and for her to open a claim now for the incident. I have yet to hear back.

Does anyone with experience with dog bites and home insurance policies have any advice or recommendations on how to handle this? Thanks!

Insureds who have landlord policies are some of the most clueless and inattentive people, and with each landlord policy they become a little worse.

Based In Florida USA

I'm applying for a job in Washington state that requires driving a company vehicle, and I'm hoping to get some insight from anyone who's been through a similar situation.
About 3.5 years ago, I was arrested for a DUI, but it was ultimately reduced to **Negligent Driving**. I also received a speeding ticket from the same incident. Since then, I've had no other violations, my license has been fully reinstated, and my driving record has been clean.
The recruiter told me they think I should be okay because both violations came from the same incident, but they weren't 100% sure how the company's motor vehicle review or fleet insurance process works.
For those of you who have experience with company vehicle jobs or fleet insurance reviews:
Would something like this typically result in an automatic denial?

Or is it more common for it to go through an individual review since the violations were from the same incident and happened several years ago?

Has anyone here been approved for a company vehicle after a reduced DUI or Negligent Driving conviction?

I'm just trying to get a realistic idea of what to expect. Thanks in advance for any insight.

While in Ireland - Another rental car crashed into the back of my rental car. I returned the car today and was billed 5000 Euros. 

The driver of the car at fault had a car from Hertz. I have the claim number with Hertz.

I have rental car excess insurance with CarInsuRent. I filed a claim and they spotted that while I was charged EUR 5,000, according to the rental agreement, I am only liable to pay up to EUR 3,000.

They also advised that my policy with them covers my liability up to $2,500, which is the coverage that I purchased. Thus my claim was approved for $2,500.

How can Alamo/Enterprise justify charging a customer in excess of the excess?

Any suggestions on how to recover the difference from the driver at fault/Hertz?

My homeowner policy in California is up for renewal, and my premium with Liberty mutual has doubled over the last 2 years. I'm shopping around for quotes, and I'm seeing the following scenarios play out for similar coverages:

1) Stick with Liberty Mutual - $3800/year.

2) Farmers - $2600/year - requires installation of an auto shutoff leak detector on my water main (~$1000 one-time cost)

3) AAA ($700) + CA FAIR ($1400) - $2100/year. The key caveat here is that AAA requires CA FAIR for fire/smoke coverage unless I bundle auto - AAA's auto policy was prohibitively expensive compared to my existing GEICO coverage, so I'm not entertaining that.

Assuming similar coverage amounts for Farmers and AAA/CA FAIR, are there any reasons NOT to go with AAA + CA FAIR and go with a Farmers/one all-in policy provider instead?

I got T-boned today and the other driver’s car was pretty badly injured but mine looks totally OK. I filed the claim through my insurance and hers and even set up repair and inspection for my car with a rental…. However, as time passes, I really don’t want to be without my car and it looks totally fine. The only thing I want fixed is one tire that’s all scraped up and I have a buddy with a tire shop. Can I cancel the appointment to get my car fixed and tell them that I’m just gonna bring it to a different shop and have him just change the tire for me?
If I don’t use one of their shops and utilize the rental, is that going to change my claim and or make my insurance higher?
What’s in my best interest as far as paying the least out-of-pocket?

Do I not have an access to my own medical records??? I called and they told me it's inaccessible after 3 yrs.. they said they have the records but they can't for my privacy (which I don't understand since I'm the one who's requesting it)

Is there ANY way for me to have full access to my medical care history from the insurance?

I had this insurance back in 2019 from my school - no longer a member since 2020

I have health insurance on my family through my small business. We are in the process of closing and will be ceasing operations Dec 31 of this year. I am pregnant. My due date is Dec 7. My question is, I know I have 30 days to add my baby to our policy (intend to do so essentially immediately) but with the closure of our business and us cancelling insurance effective Dec 31, I don't believe I'd have paid a premium toward new babys coverage so would they in fact be covered during the month of Dec? Hopefully that all makes sense. Thanks in advance to smarter individuals than me

Hello! I'm 16 and getting my junior license in about 3 weeks. I'm in upstate NY and I was gifted a 2016 Toyota Camry recently. The problem I have is that my dad doesn't want me on his insurance plan. My mom is on his plan so I can't ask for her help either. Apparently I can't get my own insurance because of my age and I can't enter a legally binding contract. Does anyone have any solutions or ways for me to get insurance? I don't care about price or how good it is, my main priority is getting my car legally on the road to drive to work. Thank you in advance for any advice!

Edit: I forgot to add that my camry has been in really good hands for the past 10 years and has about 169k miles. My parents know I'm a safe driver but my dad says that he's not willing to because of the cost (I offered to pay the difference).

I got into an accident in January 2026 and there was hardly a scratch on my car or the other person's car but they still filed an insurance claim so I had to do the same. Progressive was my insurance at the time of the accident and I worked with a rep as they asked me for evidence etc. For about 4 months now when I check the claim I just see a message that says:

"Status Closed" "Review your payout summary: We're working on your claim. Check back later for payout info."

What does this mean? Might be a silly question but I've never filed an insurance claim before and I haven't heard anything else or had any updates from Progressive in months.

So my wife was involved in an accident about 6 weeks ago. It was minor, she was the second vehicle hit (vehicle in front of her got slammed into and pushed them into her car), she wasn't at fault, and the car was still drivable. The front of the car was cosmetically damaged but overall the car drove fine. But she was involved last week in a different accident, again not at fault (other drivers were sighted at the scene in both accidents). However this accident was enough to total out the car as it was much more significant, and this time was a rear end collision. She's fine in both instances but we are both extremely frustrated.

First accident the driver had Allstate, second driver has State Farm, we also have SF, just a different agent.

The estimate for the damage in the first accident was 11k, fine. It was scheduled to go in literally next Monday to finally get repaired. They were paying for a rental, etc. But SF is saying due to the existing damage the car isnt worth as much as it normally would be, and aren't paying out enough to cover the lease buy out.

We just leased this car in Feb 2026. Allstate is saying since the car is being totaled out by a different insurance agency they are washing their hands of the situation as they aren't paying to repair a vehicle thats been totaled. Gap insurance (with MBFS) is saying since the value of the car was diminished due to existing damage they aren't liable, they would only cover if the car was not previously damaged.

So we are currently now left holding the bag for almost 17k in negative equity here (SF came to their number citing preexisting damage and accident history on the car itself reducing the value). However I feel Allstate should cover this or at least the 11k damage and maybe some of the diminished value claim.

Our agent says we should make an un/under insured claim for the difference and they will go after Allstate, but that it will count as an "at fault" on our State Farm policy if we do, and they also might deny the claim. We have not consulted a lawyer yet, but feel it's getting to that point. The driver of the first vehicle is totally judgement proof and going after them legally will just be a waste of time. But we also feel Allstate is still liable here for something. But this is a new one for me. Any ideas what the standard course of action is here? Thanks!

“Thank you for your patience. Yes, we have received a request for the DME supply and it was approved effective 06/23/2026-07/30/2026.”

Hi everyone,

(CALIFORNIA)

My wife received a ticket because she was holding her cell phone at a light...regardless of her wearing a headset, it is a violation as follows:

Cell phone Use while Driving

A citation under California Vehicle Code Section 23123(a) means you were cited for driving a motor vehicle while using a wireless telephone without a hands-free device. California has strict "no-touch" distracted driving laws. Merely holding your phone for any reason while the vehicle is in motion or stopped at a red light constitutes a violation. [1, 2, 3, 4, 5]

Penalties and Costs

• Base Fines: The statutory base fine is $20 for a first offense and $50 for each subsequent offense. [1]
• Total Out-of-Pocket Cost: Assessments and court fees significantly increase the final cost. Expect to pay between $150 and $250+ total at the court window. [1, 2, 3, 4, 5]
• DMV License Points: A first offense will not add points to your driving record. However, a second conviction within 36 months adds 1 point to your California DMV record, which will likely trigger insurance premium increases. [1, 2, 3, 4]

If she goes to traffic school (online), the citation is removed from her records. This first offense doesn't add a point and won't impact insurance.

My question is: Given you cannot attend traffic school for 18 months (if she does it this time), is it worth attending to get this removed? Or does she risk a more serious violation should she get another ticket within 18 months?

Hope this question makes sense. Thank you!

So awhile back I had a washing machine cause some water damage, had to submit a claim since it was bad enough and it also damaged the unit below mine. My land lord immediately had a restoration company come out and dry all the water in both apartments (it is a duplex house, I'm on top floor) so the damage was as little as possible. The damage was contained to my laundry closet upstairs and the bedroom downstairs thankfully thanks to the good work by the restoration company. I didn't realize it but my renters policy states that any water damage in my unit is not covered, but water damage to other units is covered, which sucks because I got rentets insurance thinking something like a leaky washer causing damage would be covered but apparently not. Claim filed, a couple weeks go by and progressive finally sends an adjuster downstairs. I didn't know at the time but my land lord was in contact with the adjuster so she knows what damages are downstairs, and the adjuster marked down damage to the celing (tape peeling from drywall so needs new tape, mud, and paint), and new carpet, all just in the downstairs bedroom. Progressive called me a couple weeks after the adjuster came, saying the "adjuster" found no damage. So I asked them if they will cover the restoration comapy cost still and they specifically told me yes. Turns out my land lord called me today, saying progressive has denyed the whole claim because "progressive" found no damage. Since the adjuster (THEY SENT BTW) was 3rd party so they said they have the right to disregard what the adjuster said since they were 3rd party. So they did that and said they found no damage and denied my whole claim. Can they even do that? This is just insane to me. I've already emailed asking to speak to management and they emailed back saying their supervisor is out for the week and will call me next week. Am I able to get written documents from the 3rd party adjuster and have someone reprocess my claim? Progressive has pictures of everything and the report from the 3rd party adjuster so they know there was water damage. Progressive has definitely lost me as a customer for renters and auto after this.

Hello I was at fault for a car accident the other driver and passenger didn’t sustain major injuries either did I. I am now being sued for more than half a million dollars for non economical charges by the passenger of the vehicle not the owner of the vehicle the passenger he was underage 17 when the accident happened. How often do these actually go to court will I go to court and have to pay all that amount or is this something that most likely won’t go to court. I was just served. I haven’t informed my insurance company yet.

Background:
I am a third-party claimant in Texas. My parked
2009 Mercedes CLK with 61,000 miles was hit by PURE Insurance's policyholder on 6/25, who admitted full liability. PURE is currently trying to declare my vehicle a total loss and cut off my rental car coverage as of July 22nd.

My Priority: I have zero interest in keeping the rental car long-term or dragging this out. My sole focus is getting my personal car repaired. The only reason I am asking for a rental extension is because PURE's administrative delays left me without a resolved claim, and I need basic transportation while this gets sorted out.

The Breakdown & Numbers:
• Actual Cash Value (ACV): $10,261.00
• Repair Estimate: $8,026.65
• Salvage Value: $1,400.42
• Statutory Threshold (Texas): Texas Transportation Code § 501.091(15) uses a strict 100% threshold ($10,261.00). Repair + Salvage equals $9,427.07 (91.87% of ACV), which falls below the mandatory total loss requirement.
• Damage: The car sustained localized cosmetic damage and remains in excellent pre-accident condition otherwise.

Key Issues & Delays:

• 21-Day Administrative Delay (CCC ONE
Reports): PURE's adjusters repeatedly provided flawed CCC ONE market valuation reports containing incorrect options, bad condition ratings, and wrong comparables.
I had to continually push back to get these corrected.
• Delayed Corrected Valuation: I did not receive an accurate CCC ONE report until July 20th—21 days after the process began.
• Rental Car Cutoff: PURE is ending my rental car coverage on July 22nd, penalizing me for a 3-week delay caused entirely by their need to fix their own valuation mistakes.

Questions for Advice:

1. Total Loss Challenge: Given that the figures sit at ~92% of ACV (under the Texas 100% threshold), what are the most effective legal or regulatory levers I can use to force PURE to approve the repair path?
   
2. Rental Extension: How can I successfully demand an extension of my rental car coverage based on insurer-caused administrative delays?
   
3. Escalation & TDI: Is filing a complaint with the Texas Department of Insurance (TDI) my best immediate move, or should I take specific intermediate steps with their management first?
   
4. General Strategy: What else can I do or document to give myself maximum leverage in winning this case?

Looking for advice on a frustrating insurance situation:

My adult daughter’s car (in Florida) was legally parked, completely stationary, with the back drivers side passenger door open as she and her passengers were getting in the car to leave. Another driver pulled his truck out of the spot next to her and his truck's rear fender struck her open door. They exchanged insurance info; she had no damage so didn't file a claim. He filed a claim with his insurer (Progressive). When she asked, my daughter’s own insurer (State Farm) told her to fill out Progressive’s online intake form, which she did but she was never called or interviewed directly.

There were three witnesses in the car with her at the time. Only one was ever sent a witness form by Progressive, and that form was confusing enough that the witness didn’t complete it. No witness (including our daughter) has ever spoken directly with an adjuster.

Those in our daughter's car all heard the other driver say "it's not your fault, I just need your insurance to file a claim". He also said it was a "wild/crazy accident of timing".

Weeks later, she gets a text that Progressive found her at fault and closed the claim. We pushed back, made calls, and finally got a supervisor on the phone. The supervisor’s position now is that it’s basically “he said, she said,” and dismissed our witnesses as “personal” rather than “independent” (they were passengers in her car, not strangers). They did concede that a fault determination is “fluid” and can be changed.

Meanwhile, her own insurer (State Farm) gives conflicting info: Their claims people say she could file her own claim through her policy (which would let State Farm fight the fault battle via subrogation), But the local office states given she has no damage nor was she moving or driving, she wouldn't need to file a claim.

Questions:

1. Has anyone dealt with a “personal vs. independent witness” distinction before? Is that a real standard, or an excuse to disregard evidence?

2. Is it worth having her file her own claim with State Farm at this point just to shift the burden of proof to the insurers?

3. What’s the next real escalation step if Progressive won’t budge (state insurance department complaint, small claims, something else)?

4. Any tips for getting a stationary-vehicle-struck-by-moving-vehicle fault determination taken seriously when the insurer never interviewed anyone?

Any input from people who’ve navigated something similar or even work in this area of expertise would be appreciated. Thank you!

I currently have a chevy 2500 which is insured through my personal auto policy. I understand that the following will not be able to put on a personal policy because of gvwr.

Im considering buying a bigger truck, like maybe a chevy 5500 or a Ford f750 or some other larger than a 1 ton 6 wheeler dump truck to do work at my house and also some property I own. As of right now, the vehicle would be not for hire, not to say that wouldn't ever change I suppose. I have a class A cdl and drive trucks larger than this daily so I'm not concerned with the commercial vehicle aspect, I'm wondering what my options would be for insurance and honestly if its worth it to even bother.

Hypothetically if I buy a dump truck like this I won't use it daily, maybe weekends. I dont want to pay a crazy commercial insurance premium for a dump truck I use 5-10 days a month. Would something like this be affordable insurance wise to use casually?