Ok so I have been reading and learning about term insurance for a while and I came across opinions where people state that maximum age of cover should be 65 to 75 years as by then you'll not have dependants in most cases.

But here's my take.. Say I've taken a plain vanilla term insurance till the age of 85. My premium will be a little more than that of cover till 65 to 75 years of age. But given the current life expectancy I'll most probably not live by then. So it's almost certain that my nominee/ dependant will receive the payout and will give them a good financial cushion over their existing income.

So a little higher premium might lead to almost certain payout for them.

Open to discussion and varying opinions.

Hi everyone, looking for advice. My car was legally parked on the street when another vehicle hit the front end. The other driver is 100% at fault and has a major insurance company. My car is an older 2005 model, but it is in excellent shape with under 70k original miles. It is my daily driver and family lifeline. I take great care of it and have about $1,500 in receipts for brakes and mechanical maintenance spread out over 2024 and 2025. The only damage from the accident is a detached plastic front bumper and a split foam energy absorber underneath. It runs and drives perfectly. The insurance company wrote an initial damage estimate for around $2,250, but an adjuster just texted saying they are flagging it for a "possible total loss review" simply because of the car's age. If they try to total it next week, should I fight the valuation using my maintenance history, or should I look into an owner-retention "buy back" to keep the car and fix the cosmetic bumper out of pocket? Has anyone done a buy-back on a purely cosmetic total loss? Thanks!

Location: Colorado based services submitting claims to BCBS Wyoming.

My twins were delivered at 36 weeks via section in a small Colorado hospital. Both twins suffered pneumothorax, but one twin collapsed a lung and the small hospital was not equipped for her care. She was flown via fixed wing plane to Denver Children’s via Children’s hospital’s own emergency transport service. Since the fixed wing had to land off site, a ground ambulance had to transport her to the tarmac and from the tarmac. My insurance processed the flight as in network, but the ground leg as out of network. Even though the same company handled both. Insurance approved the transfer and approved the NICU stay at Children’s . I was told on the phone that if she would have flown via helicopter and landed on the roof of the hospital the entire transport would have been billed in network. The only reason she was transported via fixed wing was because she had to fly over the Rockies in March and inclement weather and even at that she had to wait 30 hours before any type of aircraft would leave the ground. I am being told the ground ambulance portion is not covered under the “No surprise billing” act but according to some googling, there is something called the “Prudent Layperson Standard” that may protect me? Any advice is greatly appreciated!

Guy backed out into the entire right side of my Tesla Model 3 in a parking lot. Total loss. Insurance hit me with an initial settlement offer of $22,212, ACV of $21,258.
My car was only a 2020 sure, but it was Red Multi-Coat, White Interior, 19" Sports Wheels, and literal permanent FSD. Not only that but I kept my car in great conditio, park away from other people, never eat in it, wash it regularly at self serves, you get the picture. Base-spec model 3s in my area (Columbus, OH) literally start at ~$23,000, so I knew this valuation was total bogus.

I didn't sign. I asked for the full valuation report.

Combed through the entire thing line by line and found glaring issues:

1. Their initial comps were NOT in my area at all. They selected a few vehicles all outside of Ohio over 150-200mi away, including PA.
2. None of my factory options like exterior paint and Full-Self Driving were accounted for.
3. They rated the interior/exterior condition as "Private Average" across the board with descriptions of "Few body dents and dings" and "Few scr*tches and burn marks on headliner".

I didn't get angry, yell at the adjuster, or get emotional. I set a firm boundary and sent over photos disproving their condition assessment; I pointed out that their comps were not accurate to my actual local market and handed over new ones; and I stated they missed major vehicle options.

At first, they tried to get me to hop on a phone call but I outright refused, saying I wanted everything on written record.

16 days later, after several back-and-forth emails, revision attempts, citations of Ohio Administrative Code, and a literal ODI (Ohio Department of Insurance) complaint filed, they finally came back with a reasonable revised report:

• Base value went from $21,258 to $26,107 (+$4,849)
• Sales tax increase of $387
• Total payout after $1k deductible: ~$27.5 grand

I'm not saying that this process will work for everyone; it's highly dependent on your actual vehicle case and what market data you can provide. And I'm sure not everyone's increase is going to be as massive as mine.
But I genuinely believe the software and adjustment process is designed to undervaluate your vehicle by default, and that it's absolutely worth fighting, especially if there are obvious discrepancies.

I don't see it as negotiating but rather correcting what I was owed.

Curious if anyone else here had a similar experience with a total loss...

Original vs New Letter: https://imgur.com/a/insurance-bump-5k-yKhTI7X

About 2 weeks ago, I posted about my 2011 Nissan rogue that got rear-ended. I was asking your advice about whether you though it would be totaled. Y'all thought it would be totaled and it was (but not by much). Somewhere in the comments, someone mentioned buying back the car from GIECO and getting it repaired and retitled. This is what I opted to do.

After everything was said and done, I received my settlement (minus the cost of buying it back from the salvage yard), had a neighborhood shop repair my vehicle, completed a repair inspection, had my "salvage repairable" title changed to a "repaired" title. My car is repaired and legal to drive and I still have $25 left from the accident settlement! Keeping my car was definitely the way to go.

Initially, I was a little intimidated about the steps and documentation required to make sure my car would again be legal to drive but it all worked out. Here in FL, there are state regional offices that do the post repair inspection for only $40 but they only do those inspections one day per month. The alternative is to use a state approved inspection business that costs about $175, including the $40 owed to the state. Someone on another subreddit recommended a local inspection business that turned out to be fantastic. The gentleman who staffed it answered all my questions, reviewed my documents beforehand via text, and generally made sure I had everything I needed document-wise. From accident to legal again was 21 days. Not bad and definitely worth it.

Anyone else seeing Pure Insurance turning into another Allstate? On little notice, Pure has effectively decimated its earthquake coverage. Coverage limits on anything other than Dwellings has been reduced to virtually nothing. Almost no loss of use and coverage for contents and other structures. Pure is a membership organization and talks a good game, “we are family,” blah, blah. When they make changes like this at renewal, with no prior notice, how are they any different from the commercial carriers like Allstate, State Farm, etc.? And it is not like there has been an earthquake with any claims in our area in over 30 years. Why should a customer have any loyalty to Pure? Might as well shooed the insurance annually for the best cost. Really disappointing for a company the has pitched its customer service.

so i was in a accident back in may where a driver ran a stop sign and t boned me totaling my car. i was paid out for the car a few weeks ago, now i’m just waiting for the injury portion. to those of you who have been in accidents how long after your accident did it take for you to get your injury portion?

I might just be jumping to worst case scenarios because of how traumatic this has been. I'm inheriting my family home which is the last thing I have from my family and means too much to me lose outside of my control. I reached out to the insurance broker on the mortgage to see if there was anything that needed to be done and they said they will need to update the policy to the estate's name until it gets transferred over to me after probate. But they want an inspection which scares me. The roof is only 6-8 years old. Brand new furnace. But the two story deck in the backyard is in rough shape and I'm scared they're going to drop me before I have any chance to fix it. There's also a hole in the backyard from where we had an above ground pool which was just removed and hasn't been filled yet. There's plenty of equity in the house (only 50k owed on a 500k home), 50k in the estate fund, and I will have proceeds from selling my place in maybe a month. I feel like I should be fine but I don't know, hoping someone else can assure me that this will work out. It's hard for me not to jump to the worst case scenario of thousands of dollars of work or getting dropped.

Has anyone ever had to use this? If so how did it work and were you ACTUALLY able to get a better car after your unfortunate loss?

Sunday night the 11th, another car at slow speed backed up into my front bumper and caused minor cracks and plastic protruding outward. The driver fled without exchanging information but I was able to take note of the license plate and have the store show me footage of the parking lot. I also called the police and got a case number for it.

It is now Friday night that I am writing this post because these past few days I was trying to make sense of the damage to my car and how it came to be, I visited some auto body shops to get some estimates for a repair because I just about gaslit myself into letting this incident go and pay for damage out of pocket, but the shops were helpful in explaining why the damage looks the way that it is. Now I am looking to pursue this further and try to get the other insurance to cover the repair costs.

The officer assigned to me will not be back on duty until next week, and he will support me in talking to the store about obtaining footage of the incident.

I haven't contacted my insurance yet about this incident, is a few days (at most a week) delay going to hurt me in my claim? Will the other drivers' insurance question why I took so long to pursue further action? I was trying to come up with a valid explanation for why the damage looks the way it is and is caused by the other driver.

Even though I know 100% that I was not at fault because I was parked minding my own business, will my rates go up after this?

I accidentally broke a toilet valve and caused a leak. My landlord sent out an emergency restoration and I had to sign that they will bill my insurance first then me after as the owner. My insurance is likely going to deny this claim, but they added 2 dehumidifiers in the kitchen and bathroom.

The leak happened on Wednesday and they didn’t check the crawl space till today(Friday). They can’t add dehumidifer or remove insulation in the crawl space till they get authorization which my adjuster is out of office for the weekend. I am concerned about mold growth because of it waiting. I reached out to my landlord who said it should be fine till Monday. Will I be liable for any mold growth or further damage from waiting? Could my landlord have their insurance authorize it or am I just screwed

I'm currently the general manager of a truck repair garage. I've been here for 17 years helping clean the shop and pick up parts working my way up to gm. I do everything at the shop from customer intake to organize repairs in the shop. Sourcing and ordering parts. Working with vendors on parts quotes and sublet repairs. Etc. The owner is retiring and I'm really burnt out of the repair industry. I was hoping to make a transition to insurance. I ideally would love to work from home as I have 2 school aged kids. My initial thoughts were to apply for auto claims adjusting jobs and hopefully move into something with heavy truck to utilize my knowledge. But should I be looking at remote desk appraising jobs?

I accidentally caused water damage and filed a claim with my insurance. I believe they will deny the claim but my landlord can’t authorize demolition and dehumidifier in the crawl space which is wet. They said insurance has to approve it, which my adjuster is out for the weekend. If it’s denied and that waiting period caused extra damage and mold will I be billed for it? I have expressed my concerns to my landlord and called my insurance but I just have to wait now

Hello everyone, about a week ago I was driving to work (in North Carolina)and there was a backup on the highway I was driving. I slowed to a stop and the RV behind me smashed into the back on my car, causing about $9k in damage. We exchanged insurance and like an idiot, I didn't think to file a police report.

A week later, my insurance (Progressive) can't reach the person. His insurance called me and I was interviewed (prolly shouldn't have talked to them) and I told them the situation because, it seemed cut and dry.

Any tips on how to proceed going forward? Should I file a delayed police report?

I was in an accident last night. It was the other driver's fault. They failed to yield to the right of way and it is stated on the police report. They have A-Max insurance, which turns out is just a broker. Has anyone dealt with A-max insurance before in a situation like this? Am I going to get screwed if I go through their insurance?

First post. Hope I am not breaking any sub rules.

I can't get a straight answer from anyone in person so here I am on Reddit.

I own a business and the business has owned a vehicle for 9 years. Long story short the business sold and purchased a new vehicle in August.

State Farm said today they have to move the policy to a "hybrid" policy. This cost more money. When pressed for answers why this was happening I received "it's because of the **type** of vehicle the business bought". I am still waiting on clarification on what type of business policy it will be for tax/liability reasons (ie- a business policy rated for mixed use or a personal policy with a business rider which I know the personal policy can't happen)

Just trying to figure out if this is a money grab to place me into a higher costing policy.

Here are some FAQs that may help:

1. Business is a LLC taxed as a S-Corp

2. The business owned a truck, but with gas and today's car prices the business bought a SUV. This is the 'type' argument the insurance is using.

3. The vehicle is 100% owned by the business. The title is in the business name and the loan is 100% in the business name- no personal guarantee or co-signer and the registration is in the business name. Both the car payments and the insurance payments are paid by the business.

4. The vehicle was purchased in August. My agent sent the email today about the change, but somehow "I can stay on my current business policy until renewal in February". That's the super fishy part.

5. State Farm asked for the bill of sale after purchasing. The bill of sale also lists the business as the only owner.

6. My family owns additional personal vehicles that are unrelated to the business and insured through State Farm so SF knows other personal only vehicles exist.

Any insight into why this might be happening (outside of it's because you bought an SUV and used to have a truck) is much appreciated.

Based in UK, wanting advice on compensation claim for issues regarding house insurance claim reinstatement.

On the 20th May had water leak in upstairs bathroom. This led to me, my husband and 3 week old baby having to move out while kitchen and bathroom was ripped out and redone through our insurance (Admiral). During this time midlands restoration did the rip out after 1 month of drying, the kitchen and upstairs bathroom was ripped out back to brick. However had delays due to missing asbestos test for the ceiling that then had to be outsourced to stop further delays after 3 weeks.

Contractors (Arrow) were then sent list of requirements and products for reinstatement on July 13th once confirmation that house was fully dried out. In this we were given a move in date of the 8th of August. Through contacting both Admiral and Arrow multiple times through July we then we advised that no work had been started and that the move in date had to be pushed back to end of August. Plastering commenced 13th of August in which my husband went to the house and talked to the contractors and was advised nothing further had been booked in and that the only Tiler on staff for this area would be away for the next 2 weeks on holiday. With this we contacted Arrow to get a timeline of when work would be done and was lied to saying they couldn't provide it due to the Tiler having a death in the family and requesting further time off.

With this we responded with our knowledge on the Tilers true whereabouts and the outright lie. Also pushed that the move in date wasn't possible since they hadn't booked in contractors. This was escalated and we were told that we would be prioritised to have work complete. For the next month my husband had to be in constant contact with Arrow to make sure work was progressing and almost project managing to help it hit the new move in date of end of September. During this time our claim handler for Admiral did not return calls or emails and even through escalation we were fobbed off with promises of better communication. Whilst this was ongoing we were having to live in emergency accommodation that we had to find ourselves within a week that was not adequate for dealing with a newborn baby. This has caused immense emotional distress whilst being on maternity leave.

Furthermore once we did move back in we had a second minor leak due to the work on the pipes in the upstairs bathroom not being correctly installed and no testing. This was further confirmed when we realised the hot and cold taps in the bath were incorrectly installed I.e. hot to cold and cold to hot, proving testing was never done.

With this we have been contacted by Admiral that they are wanting to give us compensation for the issues we faced during this, they have advised they do not want this to go to the FCA. We are needing some advice on what would be a reasonable amount to accept and whether to go with the first offer, as we are hoping to put whatever we get into a fund for our child. Appreciate any help and advice.

Claim will be based upon,

- lack of communication from Admiral as we received no support.

- the delay in works commencing and continuing.

- miss management from Arrow Services.

- the emotional impact and stress it has caused us as a family.

-lies from the contractor

I am presently helping my mother shop around for different quotes regarding her homeowners insurance. I just noticed that her present policy lists the home as having a finished basement when in actuality, it is only a crawlspace.
I was able to edit that portion of her existing policy, but when entering info for quotes on a new policy, it asks me to give a percentage of coverage of the crawlspace. I have been unable to find consistent answers to how I calculate that? The square footage of the home is 1870 sq ft.

I was involved in a motor vehicle accident on 10/02/2026 in Huntsville Texas. The accident occurred turning from a highway onto a feeder road at a light. My vehicle was in the outer turn lane, hers was in the inner. As she was turning she failed to maintain her lane and entered mine causing the collision. We had an independant witness to the accident who provided a statement to police when they responded. Huntsville police cited her for failing to maintain her lane and she is noted as at fault in the police report.

Come insurance time and Germania is claiming she is not liable for the accident, and when I asked if they found me laible, they said no. Does anyone had advice on how to proceed. My damages are right around my deductible, so I don't see the point of going through my insurance. What other information do I need.

I'm sending the other driver a deman letter on Monday for my damages giving them until mid-November to pay or have their insurance pay

Other point they mentioned. The intersection has been redone this summer. It used to be one turning lane and the intersection was expanded to 4 lanes in each direction with two turning lanes. Google Maps shows the intersection prior to the updates, and they brought this up as issue. The police report diagram has the intersection correct.

Hi everyone,
My RentalCover insurance claim was approved for 231,000 DZD, but both payment attempts failed on October 9 and October 16.
After the first failure, I corrected my banking details using the link they provided. However, the second payment failed again despite my details being correct.
I’ve contacted RentalCover support multiple times, but they either don’t respond or send generic replies without actually resolving anything. My claim is now back to “Processing.”
Has anyone experienced a similar issue and managed to get it resolved?
Is there a specific email address where RentalCover actually responds? Has anyone successfully contacted a real employee or the Payments Team directly?
I’d really appreciate it if anyone who managed to get their payment could share how they did it and which contact method worked.

I currently have 250k per person uninsured/underinsured limits. I asked for a quote and can increase them to 500k per person for an additional $130 per year.

I'm thinking this is a wise decision to make. Thoughts?

Enterprise/Rental Claims Services is demanding $10,000 from me after an intercompany arbitration arising from a New York rental-car accident. I dispute both liability and the enforceability of the reimbursement demand. I was uninsured at the time I was hit, and Enterprise is saying I violated my rental agreement by not having insurance. Used my CC coverage which covered damage to the rental car but the other driver’s insurance pursued me for subrogation and Enterprise went to arbitration, then came back and said I was 50% liable. They say that under the rental agreement I have to pay them back for the $10,000. They claim that they paid to the other driver’s insurance company. Still haven’t seen any report out from the arbitration or proof that they made any payment at all, but now they are trying to collect from me and I wonder if anyone has had any success in fighting a situation like this?

I am an idiot! I know. Please no negative comments. I got a ford expedition about 9 months ago and i was the sole driver with Geico. I apparently added my husband as an excluded driver. I didn’t read what i signed. The policy automatically renewed on 09/26/2026 and so did the exclusion. My husband used my car on the 09/29 and he got in an accident. We calle GEICO and they told me they would not cover the costs because my husband is excluded. We called Allstate ( he has his own car and is covered by this insurance company). All the sales rep said that they would cover the costs, but in the end the claims person said no, that since the vehicle is not on the policy it will not be covered. Is there anything i can do do get it covered? It’s about 20k in damages!I called GEICO and they said i can maybe get the sales company that sold me the GEICO policy to back day the exclusion and taking it off for the renewal date. Is that something that has happened before?? I know back in the day insurance companies would back date.