My insurer (Admiral) got in touch with me late last week advising me of a claim on my account that I needed to check. Unfortunately I was on holiday so have only had a chance to look into it today. However, I haven't been involved in any incidents at all - ever. I've never hit another car, had an accident, or been involved in a crash. My car has zero damage, no bumps or scrapes, even the paintwork is pristine (I use it infrequently) I've never once claimed on insurance, or even needed to. I checked the claim date and I happened to be travelling to London and back that day from Birmingham for work (my once in a lifetime trip, last minute so couldn't catch a train conveniently). I can say for sure that I wasn't involved in an incident that day as I spent it all either on a motorway or parked at a hotel attending a conference. The claim itself has no information attached for me to refute. I haven't had a chance to call them yet (it's on my to-do list for later today) but have emailed them asking for more information/clarity. What do I do from here? I'm confused, surprised, frustrated, and very worried that it's going to affect my insurance or future costs. Is it a fraudulent claim, or have I been claimed against in error? Any advice is much appreciate :)

I recently got into an accident, where I was the only one driving, and there was no one else in the vehicle with me. I was reversed into and the other person that was driving only provided me with their ID, no insurance, and they only had a temporary plate on that was expired. Key note: they were at fault and offered to pay for it but my car is 2024 vehicle so I need to claim diminishing value. My insurance after submitting my claim, reached out to them, but they have not responded. Now my insurance wants my excluded family members insurance information even thought they were NOT in the accident. I don’t think this is normal and a bit sketchy. Any thoughts or recommendations? I’m thinking of looking into an insurance client advocate or legal help if needed. For reference, I live in LA county California

My almost 6 year old German Shepherd most likely has bone cancer. I’m very impressed by how Embrace has covered us following an almost $6,000 two night emergency vet visit. We have follow up appointments scheduled to get clear answers and treatment options and I was thinking I was grateful that our policy renews in December because I’m almost at my yearly max already. But a coworker pointed out that it’s very possible they might drop us when it’s time to renew our policy. Has anyone experienced this with Embrace?? I’d like to be mentally prepared if I’m going to have to go out of pocket starting in December. *pic of me and my best friend for tax

I live in a condo in Los Angeles. My unit had a leak that caused some damage in a neighbor's unit, but when I filed the claim with my HO6 insurance, they found me "not negligent" and so "not liable." It took a while, but I eventually got paid to fix the issue on my end—but my neighbor was left to fix their damages through their insurance. Of course, they're now threatening to sue. I understand that my insurance will defend me should there be a suit (they confirmed that I have coverage, but they won't pay because I'm not liable). My concern is that they sent me a non-renewal notice over this claim. My policy will expire in two months. This means the claim needs to be closed so I can shop and secure a new provider... So, what happens if the lawsuit comes after the claim closes and I'm insured somewhere else? Who takes care of the lawsuit then? Am I being screwed over somehow by my current insurer right now? I mean, the non-renewal surely felt so, but if I'm going to be left to handle a potential lawsuit by myself, I don't know what I'll do. :-( Thoughts?

I was rear ended by a driver with an out of state license, but his truck is registered in this state (Texas), he seemed to be a shady individual as well to me when dealing with him. The police came and wrote a report but it didn’t technically put him at fault even though he rear ended me. I did however get him on video admitting he was at fault. I filed the claim with his insurance, but it was a slow response from them. I went ahead and filed with mine to get the ball rolling because I needed to get it fixed. Well turns out that was a good move because come to find out he wasn’t covered by his insurance company at the time. So basically he got away with having no insurance when the police arrived because he had a paper saying he did. My question is now that my truck is fixed and back to normal, I received a diminution in value evaluation form from my insurance company for me to fill out. Is this to provide a compensation due to my truck now losing some value to the accident? It had never been in an accident previously so what can I expect towards compensation based on the value of the truck. Its KBB value ranges from $15-$19k. It’s in excellent condition though. How would diminution work according to that? Will my insurance company send me a check or something? Also on a side note, can I contact the police to inform them that his insurance company called me and said that he was not covered at the time? Could they pursue a ticket to him even though he has an out of state license?

I've had a Hagerty policy for about 4 years on my B5 S4. For context, I live on Long Island, NY. Around December of last year I made a decision to remove the insurance and plates from the vehicle due to other priorities in life. Over the years, my annual policy rate typically ranged between $600 to $720 with an agreed upon value of $15k. Deductibles were $500 and property damage / bodily injury was set to $100k/300k with supplemental at $50k. The time has come to get insurance and plates for the car, again. I got a quote from Hagerty yesterday and it came up to $2370 per year! The policy was configured identically to the last quote I received for renewal in February of 2025 which was quoted at $719 for the year. My driving record, credit score and address is the same. I called up to have someone review and validate that I have configured the quote criteria exactly as the recently canceled policy. The Hagerty rep confirmed the policy configuration and was also shocked by the difference in the quote. She mentioned that there was an increase recently to all NY issued policies but she did not have any other value added info. Do any of you fellow redditors have a recommendation for a specialty vehicle policy with other companies? I filled out an additional application with Grundy that is currently under review.

A couple of weeks ago a gentleman ran the stop sign in front of my house and used my new mudroom as a stopping mechanism. We were told to get an estimate from a contractor and they would cut us a check. We got a detailed estimate and the insurance company sent it out for review. The review came back with a 6000.00$ reduction in the estimate due to not enough detail on the labor side of the estimate. The insurance agent said that we could accept the money while we submitted an updated more detailed estimate to get the extra 6000.00$. Should we take the money while we wait for the contractor to update the estimate or should we get the updated estimate first?

I just got car insurance for my new car and I got a letter days later saying they were missing a “signed application” from me. What does that even mean? I then called the customer service line and they put me on hold for an hour so I gave up. This was first acceptance car insurance

Hello all! I was a passenger in a non at fault accident two years ago. My lawyer filed with the person that hit us, and then used my underinsured at the time too (with geico). We just switched insruance and our 6 month premium is 300 dollars more than if I didn't have that claim 2 years ago. Is it normal to have my car insurnace go up because of a non-at fault claim where I was a passenger? Thank you!

I was in an accident back in April. At the time I did not have insurance on my car. The driver who hit and totaled my car admitted fault. Since I didn’t have insurance at the time I contacted their insurance company(Corvel) myself. After 2 months of constantly calling I was able to get in contact with an agent and she was able to compensate me for the car damages and towing charges. She later said she would take care of my medical. I was supposed to gather my medical records from the day of the accident and my medical bills and email them to her. I sent them back in the beginning of June and have not heard back since. Ive emailed and called and have heard nothing. Is this worth pursuing or should I just call it a day and be grateful for what I have received?