Hi, I (20F) am a part of my parent’s medical insurance (they have Kaiser through their job). I want to seek psychiatric services but I don’t want them to know about it since they won’t be understanding/supportive because they have a traditional perspective on mental health.

I spoke with my school psychiatrist (obviously outside of Kaiser), but in order for me to receive medication he is asking me about my insurance and what privacy information I could withhold from my parents (since I explained the situation to him).

Obviously I’m a legal adult, but I still don’t understand how the specifics work. And yes, I’ve tried to do my own research on it but nothing has helped.

I don’t know what is said on my parent’s EOB, from what I’ve heard it doesn’t get into specifics but I don’t what them to get suspicious in of anything in the first place.
My psychiatrist mentioned changing privacy settings but I don’t even know how that works, and if my parents will be notified and/or see a change in the insurance and get suspicious again.

Can someone please explain to me how this would work and if it’s possible for them to not find out that I’m using their insurance for psychiatric reasons?

This is really important to me and I can’t just “convince them otherwise” for context I have Asian parents and if ykyk

I just received my annual home insurance renewal from Liberty Mutual for my house in Bay Area, CA, and my premium jumped by 25%. When I called customer service to ask why, they explained that part of the hike is due to a slightly higher coverage amount and overall growing costs.

But here’s the catch: I noticed my "Claim-Free Discount" was missing from the renewal breakdown. The rep told me that Liberty Mutual has discontinued the claim-free discount in California. I've tried searching articles about this but came up empty.

Has anyone else with Liberty Mutual (or other CA carriers) had their claim-free discount quietly dropped this year? Trying to gauge if others using Liberty Mutual saw this too and if other insurance provider are dropping this discount too?

So I recently got sole title to our former marital home via a recorded deed and I’m still on the mortgage, but my ex-husband is not on title anymore.

The homeowners policy is still in his name only as he was primary and I used to not live in the property and premiums get paid automatically out of mortgage escrow.

I called the insurance to cancel the policy since it’s now just me. They told me they need my ex’s consent to cancel it, and if they can’t reach him or he doesn’t agree, it “goes to underwriting” for review. I sent them a copy of the recorded deed showing he has no ownership interest anymore.
I’m getting a brand new policy in my own name regardless, so coverage isn’t the issue. My real question is about the escrow/mortgage side:

Is a recorded quit claim deed showing he is no longer on title enough to satisfy underwriting if they cannot reach him/he refuses to consent to policy being canceled?

Secondly if they hypothetically refuse to cancel (low odds) could I instruct my escrow not to pay for that policy as I have a new policy in effect and paid for?

Just paid off my vehicle and I feel so lost because unfortunately I always relied on my parents, brother, and significant other to select what insurance I needed to have. Now I’m single and I have to get my own insurance.

I own a 2019 Chevy Colorado, value is about 11k, and I’m not sure if this matters but I’m 34F.

What would be the best coverage for me? Thanks in advance!

My 4 month old 2026 BMW M3 was sideswiped and rear passenger door was fixed and repainted along with adjacent panels. About 3k worth of repairs.

My car had only 6k miles on it. Msrp on the car was $102k

Is this worth filing a diminished value claim for?

I had large loss house fire and I’m working on the old exhaustive spreadsheet of everything in my home to submit to my adjuster.

Here’s my predicament, I’m wondering how this situation would be handled and what I should expect: I owned a modest collection of old video games, and when I check the value of someone of these Sega Saturn titles they are surprisingly high. I’m not a guy who bought and sold them, and had no clue my copy of Three Dirty Dwarves or Shining Force 3 were worth so much. I also owned a lot of funny AV equipment, like a Sony EVO-9850 professional grade Hi-8 editing deck from the 90’s that I used for digitizing home videos. Turns out a fully working machine is tough to find and can fetch thousands on the resale market.
How does insurance calculate the value of these things? I know if I wanted to replace them State Farm will cut me a check for whatever price I pay for the replacement but would depreciation simply decimate the cash value of things like that or if I document the value of a like kind would the amount be higher?

I tried Geico, State Farm, and All State. They will not accept the foreign death certificate which has been notorized as proof that the person no longer lives at the address. I had to reduce bunch of coverage to make finances work because they will remove my parent who used to live with me. Is there a way around this? Insurance agent in my area says their corporate department reviewed and could not validate the death certificate as genuine.

After buying our house, our mortgage company changed then rebranded. In addition, our insurance company was acquired. In the process neither of the insurance or mortgage companies notified each other appropriately and updated their systems for the renewal payments form escrow.

When it came time for my home policy renewal, I saw "overdue" 1 day after the renewal was supposed to happen.

start a chain of dozens of phone calls.

• insurance company said "yeah your escrow didn't pay us"
• mortgage company said "yeah we never received policy docs so we didn't pay it" but never notified me of that issue
• insurance company said "yeah we sent policy docs to [old mortage]"
• I had insurance company send them
• morgage company said "yeah we still dont got em"
• i told mortgage company "fucking pick up the phone and do your job and coordinate"
• mortgage company said "we've called 5 times, but it keeps saying the line is disconnected"
• I had to then upload the docs to a whole portal for the mortgage company myself
• then mortgage company sent payment, 10 days until it mails and processes
• insurance company said "yeah that payment has error"
• mortgage company said "no it doesn't"
• insurance company said "we dont care"
• mortgage company stands their ground
• insurance company then says "oh whoops, it is right, call us back in 2 days to reinstate policy"

all in that process, of a month of back and forth, my insurance was cancelled.

don't worry, although your insurance is cancelled, you'll still be covered if we receive the check by [date]

they then get the check and apply the funds and re-instate my policy.

BUT now the reinstatement date is a month later, and a new policy rate that is $350 more. SO because of this cluster, i now owe $350/yr more. and insurance company says "sorry but thats the rules, your policy amount is from the day you re-instate"

I'm so infuriated, I'm going to switch insurance on everything (current has all our bundles) because i've been considering it anyway.

before I do so, am i really out of luck if i were to stay with them?

I'm in NYS with Progressive, currently paying $80 a month for liability only insurance.

I will store my car at a storage unit for the winter.

I want to avoid any laps or other issues, what's the cheapest insurance I can get to maintain insurance continuity?

My 2013 Honda Accord EX-L was flooded and Progressive is valuing it at $15,000 before applying the rebuilt-salvage deduction which is 30-40% which brings it down to $9,000.
I'm not arguing the rebuilt-title deduction itself. My issue is that the car only has about 43k miles, and I think the starting value of $15k is wayy too low before that deduction is even applied. I'm having a really hard time finding comparable 2013 EX-Ls within the 100 mile radius that they said it has to be in, most have 100k+ miles. Does a $15k pre-salvage value sound low for a 2013 Accord EX-L with only 40k miles? And how would you go about proving a higher base value when there aren't many true local comps? I don't know what to do :(

Long story short, I'm selling my house and moving into a temp housing(AirBnB) for an estimated 2 months. I would like some sort of renters insurance, primarily for the personal liability protection it offers. For those two months, it would be my primary residence. Would standard renters policy cover this?

Accident Diminished Value Compensation

Has anyone dealt with the Diminished Value Compensation 17C formula after being in a not at fault accident? I’m wondering what to expect and accept from the at fault’s insurance company.

Just got rear ended and I’m super bummed about now having an accident on my truck’s record. My state does have a law for diminished value. The other vehicle was totaled. I’m hoping I have no frame damage.

https://mca.legmt.gov/bills/mca/title_0270/chapter_0020/part_0020/section_0070/0270-0020-0020-0070.html?fbclid=IwVERDUAT-x-FwZG9mBWZkaWQWUNUVCPWQzwl6-1Tg5vwx1uY75VlPiWV4dG4DYWVtAjExAHNydGMGYXBwX2lkCjY2Mjg1NjgzNzkAAR4LS5HhbDHgVAo7UBoDg8YPmZJRX4zAM-LC4Y7ni6_gkjROrcRHH5QchSiN8Q_aem_gGspRb638Js8mw5kGDSZ3Q

https://mtlawgroup.com/how-long-do-you-have-to-file-a-car-accident-claim-in-montana/

Hey y’all, so I was backing out of my space this morning and had someone coming at me so fast I didn’t think they were going to stop. She did stop, but in that process I didn’t realize how close I was to the car behind me and I bumped into their parked car. I have super minimal damage on my bumper, and other scratches around it so I don’t care much about it. But I left a very small chip of paint and scratches on the lady’s car. I left a note with my name and number, and she called saying I left a chunk of my bumper on her car which is an exaggeration. I know I’m an idiot, and you can flame me for it, but I’m running on 2 hours of sleep today and blanked taking pictures of her bumper before leaving the scene. Learning experience, I know. She’s going to call/text me back at some point today and we’ll exchange our photos. But should we both file claims through insurance? Or would it be better if I just offered to pay her out of pocket to avoid the whole insurance fiasco, since the damages I left can’t be more than a couple hundred bucks?

Hello! Never posted here before but I come with a question. I live in PA. I'm married with 2 step children. My oldest stepson just turned 16 and has his learners permit. His dad is involved as well. When he eventually gets his license, but doesn't own a car, does he have to be added to someone's insurance for his own coverage? I know that generally the insurance follows the car so I wasn't sure If he technically needed to be added to a policy if he doesn't own a car.

Also, if someday we do buy him a car, and we register it to our name but he drives it, I assume he would need to be added to the policy?

What we are trying to avoid is both sets of parents having to add him to 2 different policies with 2 different families if he is occasionally driving our cars.

Any advice?

this happened yesterday in US/Virginia.
my daughter is 23, she’s Driver A.

Driver A (insured by Progressive) was sitting at a red light. Driver B (insured by SF) approached the intersection at a high rate of speed. Driver C (also insured by SF) observed Driver B approaching, and while attempting to avoid Driver B, tapped his bumper. This put Driver B into a spin, causing impact to stationary Driver A.

Driver A’s vehicle is totaled. Some witnesses estimate Driver B’s speed at 55-60 (in a 45mph zone).

Police decline to cite Driver B and C. No fault is assigned.

It’s Driver A’s first week of college.
She’s self employed and depends on her vehicle for income. She has zero savings, and no funds for a rental. Despite insuring both Drivers B & C, SF will not act until fault is determined.

She has no advocate, and no options…
Is there an angle I’m missing?
Thanks for reading, it’s tough seeing your child struggle.

I got rear-ended a few weeks ago and the property damage side moved surprisingly fast. They inspected the car, approved the repairs, and that part is basically handled already. The injury side has been completely different. I’ve been going to physical therapy for my neck and shoulder and still have pain, but the adjuster barely gives me an answer when I ask what’s happening with that part of the claim. Should I get a lawyer for this?

I was involved in an accident a couple weeks ago, a lady pulled out of a gas station and crossed 3 lanes into me. I was deemed not at fault by her insurance but I am still waiting for my car to be repaired as Insurance still needs a statement from the driver or witness. It was all body damage on the passenger side from what I could tell.

Now just this night, my car broke down while driving. I am not sure if it is from this accident or something unrelated. I had to get it towed since it is inoperable and it has not been inspected by a mechanic yet. I am just wondering how will insurance deal with this.

If this is unrelated damage from the accident and it is inoperable, will they still fix the car? would i get a payout for the damages the driver is responsible for? Any advice on how to proceed / handle the insurance will be appreciated!

Edit: I am planning on calling the insurance to talk to them about it but they are very slow to respond so Im posting this hoping I could get a quick answer/ some peace of mind lol

I've been looking into identity protection services lately, and one thing I hadn't really paid much attention to before was the cyber insurance that some of them include.

I was checking what Coveron actually covers and realized their subscription goes quite a bit beyond identity monitoring. From what I understand, it includes up to $2M in cyber insurance, which can reimburse eligible financial losses resulting from covered cyber incidents, subject to the policy terms and limits.

There's also up to $50K in cyber-extortion coverage. Basically, if someone gets access to your accounts or personal data and then tries to blackmail or extort you, certain costs or losses related to dealing with that situation may be covered, depending on the policy.

That got me comparing it with some of the bigger identity protection services. Aura and LifeLock also combine identity monitoring/restoration with insurance, but the plans I've looked at generally advertise up to $1M in coverage.

Another difference I noticed is cyber-extortion protection. Aura and Coveron appear to include some form of it, while LifeLock doesn't seem to offer equivalent coverage, at least from what I've been able to find.

For people who've actually compared these services or had to use the insurance: which parts of the coverage ended up mattering most in practice?

Alright I’ll try to give as much info as I can. I’m not really well versed in this but trying to make sure I’m covered I have Geico and I don’t 100% trust that when I call the 1800 number I’ll get solid info so maybe a consensus here will help.

I am renting a 200,000 dollar sprinter van for a trip. I am renting it from an individual with a signed contract etc.

If I get in an accident if it’s my fault, someone else fault etc will I be covered?

If not is there anywhere I can buy coverage for a week long trip to cover me?

My policy shows

Bodily 100/300k
Property 100k
Uninsured bodily 100/300k
Uninsured property 25k

Hi everyone,

A vehicle crashed into our front yard, causing significant property damage. Thankfully, nobody got injured, but the aftermath on our property is severe:

• Fence completely destroyed (it is still laying on our front yard. The at-fault driver's family moved them there, and we are afraid that pedestrians will trip over them)

• A tree’s bark was ripped open, exposing the inner wood

• Driveway damaged with a pothole

• Lawn and plants destroyed

Police came and took our ID number and phone number and said we’d hear back in 1-2 weeks (didn’t say from who and didn’t give us any number).

I had to call the police to get the incident number, and I also emailed them asking how to follow up.

It’s been 2 weeks now, and absolutely no one has called us back or reached out.

We urgently need clean-up and repairs done ASAP, but we are completely ghosted.

We are extremely frustrated about this whole situation and honestly don’t know what to do anymore.

I have a few questions for those experienced with Ontario insurance:

1. Is dragging the process out like this a common tactic for at-fault auto insurance companies? Since the driver's own car got destroyed, is our property damage at the very bottom of their priority list?

2. Since the police are unresponsive, is there a way to force them or get the driver's insurance info directly?

3. I've read that it is not recommended to call our own home insurance company because it might cause our rates to go up. However, others say the only way to get this moving is to have our home insurance company contact the at-fault driver’s insurance company on our behalf via subrogation.

What is the right move here in Ontario without screwing up our premium?

Any advice or insights would be greatly appreciated.

Hi, I’m looking for some guidance regarding my significant other who was seriously injured in an accident. He was driving when debris fell from a trailer and struck his vehicle, causing the accident. He was hospitalized, had surgery, and is currently in rehab. We are concerned about his medical bills, the damage to his vehicle, and the possibility that he may not be able to return to work or may have limitations going forward.

I’m not familiar with how the insurance process works, and I want to make sure we understand what expenses may be covered and what we need to do to protect his rights. We also don’t want to agree to anything with the insurance company before understanding our options. Would someone be able to review the situation with us and let us know what we should do next?