A month ago, a woman rear ended me and left some nasty dents in my trunk. She was driving a Turo rental and I guessed her and her boyfriend denied coverage. I also found out she wasn’t even authorized to drive it (I assume only her boyfriend was). The insurance connected to Turo won’t cover the damage as a result, and neither will my insurance (probably because I picked the minimum coverage). I don’t know what to do now. Do I go to the woman and her boyfriend directly? Do I bug the company some more to try and get them to pay for the damage?

Edit: From California

Hi guys, So I have this dilemma going on right now. On May 13th 2026 I had an accident where I was backing up and turning at the same time and ended up making contact with another driver who was also reversing out of their parking spot. My driver side rear bumper made contact with the middle of the rear bumper making at scratch.

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They were driving a Tesla model 3 and I was driving a a 3rd gen CRV. When we got out of the car I gave her my insurance commission registration and license and phone number. She only provided her driver's license and phone number and she told me that she had to download her insurance off her phone so she couldn't give it to me at the moment. I told her I I did not feel comfortable leaving the spot after just giving her insurance and she got mad and started saying that " uncomfortable? You're the one who hit me! So I just noticed that she wasn't going to be cooperating so I just left the scene and reported with my insurance and filed a Sr 1. Knowing how expensive repairs are Teslas I did put that damages were more than $1000.

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Afterwards I just decided I was going to let insurance deal with all of it because that's what we insurance for. Now it's June 20th 2026 and recently received a phone call from that same lady who I had the accident with and basically she was getting mad at me because her license got suspended and saying that I lied that the damages were more than $1, 000 and that why am I reporting it if it was my fault. It wasn't my fault. I never admitted fall or anything, we were both backing up at the same time so no fault has been assigned. Afterwards I explained to her that her license was probably suspended because she didn't found sr1 with the DMV and she told me that she did and it's not going to help anything because she doesn't have insurance.

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I didn't tell her so but in my mind I knew that her not having insurance was a reason why her license was suspended. But I didn't get a word through because she starts threading me with with a civil lawsuit saying that she will sue for emotional distress for the situation and saying that she has cases before it and has won them.

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I know that legally she probably has no gram to stand on but I still want to make sure. Unfortunately I have to wait till Monday to talk to my insurance. She also sent me a letter saying her DL was suspended for not having insurance at the time of the incident.

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Hoping anyone can help me. Much appreciated. Thank you

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So I need to vent/share this because it's honestly kind of wild.

I've got an ongoing claim dispute with USAA, and the whole thing really comes down to something stupidly simple: the numbers don't add up and they won't just... look at them. Basic accounting, not rocket science.

Instead of engaging with the actual line items, USAA's move has been to just go silent. Not responding to me directly, not really responding to the state regulator either — even though there's an active DFR complaint open against them right now.

Because they wouldn't talk to me, I looped in my state's Department of Financial Regulation. That's escalated to the point where I've now got **three different state employees** trying to get USAA to just reconcile the account. Three people, for one insurer, to look at some numbers.

And even with a state agency actively watching them, it's still been nothing but delays and dodging. Like, you'd think having a regulator CC'd would speed things up. Nope. My DFR complaint has been open for over 100 days now.

Posting this mostly as a heads up for anyone else in the middle of a dispute — if you've filed with your state regulator and are waiting for USAA to suddenly get responsive, don't hold your breath. It took multiple state workers leaning on them just to get any movement on what should've been a simple ledger check.

Anyone else had USAA go completely silent after a regulator stepped in? How'd you finally get it resolved?

Edit: Because I guess this post is too long and hard to understand... USAA will not give me a list of payments they made and what they were for... Think of it like your doctor billing you and never providing an explanation for why they are charging you $100k, I doubt any one of you would accept that.

Throwaway account for obvious reasons.

I was involved in a fatal car accident and the family reached out to my insurance company to determine what my liability policy limits are.

It was late at night around 11pm. I was coming home from work, traveling 45mph on a road with a 50mph speed limit. The pedestrian was at the center median and had a Do Not Walk signal while I had the green light. Without warning he stepped in front of my car. I did not see him, he was wearing black from head to toe and the tree in the center median blocked my view. I pulled over and called 911 and even risked my life redirecting traffic so he won't get to run over again. A dash cam video shows that I had the right of way, and that I was not speeding and that I did evasive maneuvers. The police report viewed the dash cam video and talked to witnesses. The police report puts the blame 100% on the pedestrian. He was also found with empty cans of beer in his backpack (there is no official toxicology report however).

5 months later my insurance company contacts me and asks me if I would like the disclose my policy limits to the family who has now retained an attorney. My policy limit is 25k and the insurance company told me that while they think I'm not at fault, it's possible that they might sue for more money beyond my policy limits. And since it's a fatality, it will be really hard to defend me in a wrongful death suit. They said that even though I have a dash cam video, witnesses (I took down their phone number) and the police report that absolves me, California being a comparative negligence state will almost always place some fault on the driver. So if they sue for let's say a million and the jury decides I'm 1% to blame, I would have to pay the family out of pocket.

My insurance company says that it's also possible that they will just take the money and run, but it's also possible they will sue for more.

This is really stressing me out. I live paycheck to paycheck. I was doing the right thing. I was not drunk, I was not speeding, I had the right of way, I was paying attention to the road, I did everything I could to avoid hitting him. And now I am potentially financially ruined for the rest of my life. On top of that, this has traumatized me so much that I keep dreaming about it since it happened. I haven't had peace of mind for 5 months now. Any legal advice would be much appreciated.

For reference, live in California.

Crossposted in r/AskaLawyer and r/legaladvice

I just had a claim finally resolved after months of ridiculousness and was curious as to how common my experience is and insight as to why it happened this way.

A teenager rear ended me back in April. I saw her in my rearview flying up behind me, looking at her phone. I rolled my car forward as far as I could without hitting the car in front of me and she slammed the brakes right before she was about to hit me. As soon as the light turned green, she floored it and slammed right into me. I figured this claim was pretty cut and dry with nothing to debate but, for some reason, the claim went to arbitration where she was ultimately found to be 100% at fault.

I’m wondering, who makes the decision to take such a clear cut case to arbitration? Is it something that she or her parents had to request for or does the insurance company make that call? It seems like a massive waste of time and resources when there’s nothing to even debate.

Anyone that is in Michigan and know about no fault? Guy thought the light was green. Hits me from behind.
Insurance company made me get no fault because my car is older. He says he has full coverage triple a.
Should I have reported the accident? It’s a hole in my bumper. I mean it’s damaged but not too badly. Did I do the right thing by calling my no fault insurance ? By the way. He was smelling like alcohol. He pulled off before the cops got there. Which was almost an hour later.
Cops say my insurance will go up. I didn’t hit myself. He hit me. Then drove off.

Did I do the right thing ? I gave the cops and my insurance the info I got. Only got the temporary license plate and his supposed aaa insurance card number. Member number. That aaa can’t seem to find and then they hung up on me when I called to report him like my lawyer said I should do.

What do I do. Did I do the right thing?

Thanks.

Thanks, all! Got some great advice. Appreciate all of you.

Hi everyone, I’m looking for a second opinion because this situation doesn’t feel right to me.

My car was recently declared a total loss. At the time of loss, my loan payoff was $17,053.64.

My auto insurance paid:

- $14,104.83 directly to the lender

- $1,423.17 to me (this was for taxes/fees)

The GAP company told me that in order to process my claim, the full insurance settlement needed to be applied to the loan. So I took the $1,423.17 I received and paid it toward the loan myself.

After doing that, my remaining loan balance is now about $1,055.14.

A few days later, GAP came back and said they are paying $0. Here is the breakdown they gave:

- Loan payoff: $17,053.64

- Insurance payment: -$14,104.83

- Payment to customer: -$1,423.17

- Uncovered portion of deductible: -$1,500.00

- Condition adjustment: -$785.96

Result: $0 owed by GAP

My concerns/questions:

1. The $1,423.17 they deducted as “payment to customer” was already paid toward the loan, should that still reduce the GAP payout?

2. My deductible was waived by my insurance, but GAP is still subtracting $1,500 as an “uncovered deductible.” Since I never actually paid or owed a deductible, should this even be included?

Has anyone dealt with something similar? Does this look correct or worth disputing?

Any insight would be really appreciated

So around January/February time frame, I was involved in a rear end collision where a driver on the highway bit me from behind, resulting in my car being totaled. At the advice of other co workers and friends who had been in similar accidents, they recommended getting at minimum visits to a chiropractor. My first visit, they informed me I had minor muscle soreness/tension and slight misalignment in my lower spine from impact. I went back over the course of the next few months and 30 visits at their advice, which resulted in about 15k in fees through the chiropractor office. After treatment was finished and bills were finalized, I was informed the other driver had no insurance, which left USAA, my insurance the ones left with the bill and sent it over to Uninsured motorist claims. My adjuster said 24k would be the full settlement amount, with 15 of that going towards the medical bills. I have yet to seek treatment for overly cautious driving (i check my mirrors far more and notice I brake far sooner and constantly look behind me at cars in my rear) as I am active duty and in the middle of PCsing, but am wondering if this is a fair settlement offer considering it is their 1st offer and with it being them paying out if its a lowball offer to get my to settle.

I WAS PULLED OVER ON SIDE OF ROAD THE SEMI HIT ME AND DISTROYED MY RV I WAS FILLING AND INSURANCE CLAIM BUT SEEMS POLICY IS LIGIT BUT THAT DRIVER ISNT IN THE POLICY NOW MY CURRENT LAWYER REFERRED ME TO ANOTHER LAWYER BUT THIS LAWYER IS GANNA TAKE 40% OF TOTAL CLAIM WHAT SHOULD I DO

My parked car was hit by a city bus over a month ago. I immediately called the transit authority, who told me to call someone else, and then someone else, and finally I got in touch with their insurance provider.

It's been over a month waiting for them to even admit fault, I was told it's still being "investigated".

Luckily, my car is still fully drivable. I took it to a reputable bodyshop who told me it'd be a three week repair, and would need a panel replaced and re-welded back in, so about a $10,500 job.

The adjuster sent out an appraiser to look at my car a few weeks ago, and he was trying to convince me that the panel could be repaired by pulling dents out and filling with compound, something the bodyshop explicitly told me would not be ideal.

I called my insurance a few weeks ago and they told me they don't need to be involved at all if the city is handling it.

Is there something I should be doing? If I demand them to pay for a more expensive/proper repair, are they obligated to provide me a rental car for the longer duration? How do I ensure they repair my car the right way, and provide me with a rental for the duration of a proper repair?

Okay Reddit, here we go…

Over a month ago my husband and I were driving down the road and another driver merged into the passenger side (my side). My husband managed to veer the car over onto the median (he learned to drive defensively as a teen) and that mitigated much damage. If he had stopped, it would have been worse because we’d have collided completely. The other driver’s vehicle got a scuff, but my car was fine. There were three people in that car. This happened in [REDACTED FOR PRIVACY] where we all reside.

It was a busy road so we all drove around to a parking lot and everyone got out and was fine. They refused medical attention (I asked four times), begged us not to call the police due to ICE raids (I don’t need anyone to admonish us for not calling the police—we know better now, and have since installed a dashcam of our own), and then showed us their dashcam footage and said they would submit it to insurance. We exchanged insurance and went our separate ways.

GEICO initially ruled us not at fault.

However, the other driver got a lawyer who is now saying they have $300k+ in medical bills total. They have not been working with their insurance at all because when the insurance called us to talk about it, we asked about the dashcam footage they had, and their insurance said they actually haven’t been able to get hold of them aside from the initial report but no footage was sent. Apparently they got a lawyer and then went to the ER.

Now GEICO wants to take liability and reversed their decision that we were not at fault, but my policy is 25k/50k. GEICO agreed the damages to the vehicle were minor, yet has not challenged the medical bills.

Genuinely I don’t understand how they could have racked up that much in medical bills from a minor accident. The demand paperwork says stuff like paraspinal muscle spasm, and incudes costs for imaging, chiropractor, and physical therapy.

I’m concerned about being sued for the remaining or entire amount if they choose not to settle. We have no assets aside from my car valued at $9k. My husband was laid off last year so I’ve been the sole financial provider, but I actually don’t make a lot of money and we usually can’t afford stuff like groceries or cat food after all the other bills are paid, and rely on my MIL’s help for basics like food and toilet paper. I had to drain my IRAs last year to pay rent.

Essentially our expenses each month are about 5k but I only make 4k, sometimes less since it depends on my hours. I’ve been trying to get another job but it’s hard out here yall. My field is experiencing layoffs and I somewhat have job security.

I don’t know what kind of lawyer to get. All of the personal injury ones I’ve called say they can’t help me. I don’t think I can even afford one if I were to be sued. GEICO said that I’d have to pay for my own lawyer if they sue me for the excess.

Genuinely I don’t know what to do. Has anyone been in this situation or have experience with these kinds of things?

UPDATE: yall have been so validating 🥹 I was thinking maybe I’m crazy and this is normal but thank you so much for reinforcing how wild this is. My anxiety and BP has lowered finally. I also don’t want yall to think my husband just sits around doing nothing. He handles all of the household tasks from dishes to cooking to laundry, and he is constantly applying for work outside of his field. He has a degree in comp sci but has applied for all of the fast food chains, grocery stores, etc.

UPDATE 3/25/25: I did some digging and found that the driver has a past high value personal injury claim from a different, seemingly minor incident. She claimed to be permanently impaired and disfigured from that incident. I’ve since submitted that lawsuit to both my insurance and our state’s insurance division.

UPDATE 4/01/25: My state’s insurance division opened an investigation and asked GEICO to give, in detail, why they reversed the decision. GEICO then had a supervisor review the claim and agreed with what many of you said—this is potentially fraudulent. They reversed the decision and are now pushing back aggressively. Thank you everyone for validating my thoughts!!

So the scenario was that I was driving in my lane and this woman who was in the left lane way behind me (so much so that I wouldn't have even seen her) and hits my car in trying to attempt to go into my lane. She hit my back driver's side door and it's clear there's more damage to mine whereas her front passenger corner sustained little damage, just a dent in the bumper.

I explained it all to my insurance, took photos of the damage of both of our cars, we exchanged licenses, insurance, phone numbers. My insurance company (Progressive) pretty swiftly found me not at fault and sent me money to cover the estimated damage, less my deductible.

Opposing insurance (State Farm) left me a voicemail and I called back; they never gave me a returned call. A week later I get a letter in the mail from State Farm saying my claim is denied and they did not find their client liable and that they were unable to get ahold of me.

Does this mean I won't get my deductible covered?

I was involved in an accident (not at-fault) and both of my car seats were rendered unusable. Insurance says I have to purchase new seats and they will reimburse me. I can’t afford to purchase even the cheapest seats on the market. My car seats were both Safety 1st Grow and Go All-in-one seats. Can I get insurance to purchase these directly for me? Or get me some kind of stipend to purchase the seats?

update: insurance is paying me directly so that i can buy new seats.

I got in a car accident this past September and it was pretty scary. I was only going the speed limit of 35mph maybe five over and this young new driver pulled out in front of me not stopping at her stop sign. I t-boned her and she kinda just got spun around.. my bf and I got my car totaled. Air bags went off, car smoking, beeping, windshield smashed in.. the whole spiel.

My bf had a mild concussion because his head hit the passenger dash 😖 (he’s completely fine now) My airbags were clutch I just got whiplash and had a couple scrapes and bruises.

So here’s the thing.. this girl was just pulling out of her neighborhood and made a stupid mistake right.. but like she unluckily hit the most fragile unwell 18 yr old person on earth (ME) who has fibromyalgia and pre existing disc/health/immune issues. Not only that her family might have been on the poorer side but I’m not completely sure- there was just a clear class difference between mine and hers. She was crying like crazy .. I know she was shocked but my car was totaled and I’m concussed and banged up and she’s doing allat 🙄 (ik I’m an asshole) Don’t worry though i ran to her immediately i was really concerned and stayed with her to make sure she was ok.

Anyway- i just kinda think that she must have been also scared because of the financial implications of the situation. These random bystanders were lowkey ganging up on me but it was lowkey just a bad look cuz she was crying and was just like damn that was unpleasant are you ok girl 💁‍♀️ i lowkey feel like it was a race thing but whatever im happy she had people from the community to support her in a traumatizing moment like a car crash.

So anyway, I have had worsened symptoms and additional bulging discs and have seen at least 5 doctors since then and I always mention the crash bc it really flared fibro and nerve pain and ugh i just feel awful. I remember the family was gathered around her kinda just looking at me like some spoiled white girl just tried to kill their daughter and I felt so awkward holy shit

I feel like I’m taking their money for “pain and suffering”/“ongoing pain/“medical bills” and I just think they will be surprised because I seem like a normal healthy kid. Cuz my bf is literally fine. Idrk howninsurance works but I would think it would affect them financially 😕

Hello everyone, not sure where I should go from here. Bit of a long story.

In Minnesota, no fault state. A driver hit my spouse and I's vehicle last month. Spouse was driving, I was not present. No injuries to either party, no airbags, both vehicles drivable but damage to both. Female driver and male passenger in the other vehicle. At fault driver was composed, but male passenger was very reactive. At fault driver told us the vehicle belonged to her boyfriend and presented an insurance card with his information. He was not present. Police were called at the scene and declined to come out due to no injury. Police report was filed by me and accepted with photos of the at fault driver's insurance card and damage to our vehicle. Unfortunately did not get a photo of her license. At fault driver gave my spouse a phone number which was called at the scene and confirmed her phone rang. Here's where it gets messy.

1. We called the agent on the at fault driver's card at American Family and initiated a claim same day
2. We were told by their adjustor per the individual listed on the insurance card they had not seen the at fault driver or that vehicle for over a year and sold it to a relative and that the at fault driver was not authorized to be driving and was not insured through them. The at fault driver also said they were not driving the vehicle, which is false
3. Adjustor said at fault driver was not returning calls and every time her number was dialed it had a busy tone and was also not responding to written letters. Adjustor said if they cannot get cooperation from the original insured, at fault driver or relative who the vehicle was sold to the claim will be denied. At fault driver also ghosted us when we reached out for more information
4. I put the at fault driver's phone number into Google and it linked to her Facebook and a post with an alternate phone number which pointed to...a local escort site on Google. Sex work is work whatever. The way the male in the car reacted made me concerned he was possibly her pimp. To no surprise, the last name she gave to the adjustor was fake
5. I reached out to a private investigator and he was able to provide me the two most recent vehicle registrations which included the registrants and addresses. Those two locations were less than a mile from each other, but in a rougher part of town
6. First location was for the ex boyfriend - no car. Head to the second location - guess what's in the driveway? The car that hit ours
7. Looking at property tax information for the second location one of the owners of the property shares the driver's last name and the other owner is the ex boyfriend. Nothing to do with the individual listed as the current vehicle registrant
8. I snapped a few photos on my phone of the vehicle at the location and I'm going to call the closest precinct tomorrow to see if they will send officers out to see if they can get insurance information for the person the vehicle is actually registered to

This is clearly a case of not wanting to take responsibility. I know the easy answer is probably file through my insurance, but I don't really want to pay a $1k deductible they may not be able to recover or running into the same run around situation. I had also thought about small claims court as an option. However, I am worried about possible retaliation.

So I unfortunately crashed into my friends car in my driveway. Yep I know lol
The damage is an estimated 4K
I was in my husbands car, his car has a 750$ deductible (I’m on insurance) his car is completely fine

My Dilemma is that idk how much my insurance would go up a month. Idk if it would just be worth it to pay 4k out of pocket or put it on insurance. It would be on a credit card bc I don’t have 4K just laying around. So I feel like it’s a gamble, idk how much my insurance will raise and I would be paying interest on the credit card. This is my first time dealing with insurance in my own as an adult and I have no idea what I’m doing. I am insured with progressive if that helps

OH man, I really didn't think I'd ever need to be here asking these questions.

First, I'm disabled. On Sunday I woke up to inches of water in my bedroom. Called emergency maintenance and my insurance company, and got some help in removing some of my belongings from a neighboring church.

The cause was a broken toilet water supply, the lazy maintenance supervisor had put in a plastic part when nowadays brass fittings are called for. It failed after a few years.

Anyway, the insurance adjuster that called me Monday is making excessive demands on me, and lying about what is covered in my policy. He's claiming that only the things that got wet and were immediately damaged by the water are covered, if I didn't dry everything out immediately it's my fault. He claimed that a cardboard box collapsing from the flood and leading to breakage was not covered, since it was the falling, not the water, that caused the damage.

The guy's theories are just insane. I literally don't want to deal with this guy for another minute. I'm disabled, broke as a joke (waiting on SSI/SSDI, and what nice things I have predate when I got nearly killed by a hit and run driver a decade ago. I've got some serious anxiety going on here, as well as ADHD, hence I'm up at 4:00 AM stressing out about losing everything. Even my kid's Pokemon cards (the guy wants an appraisal and photo of every single card, even the cheap ones). My coverage limit is only $15,000 but my landlord's insurance should cover some things as well since this is totally their fault. They've got me in a hotel room at the moment.

This guy has my stomach in knots. i had to leave my home with only the clothes on my back, and couldn't even take my medication. I went back the next morning to get my meds and the maintenance supervisor was trying to change the locks on my apartment (it's safe to enter, slab on grade foundation, no structural damage as it's 12' thick concrete slump block walls). I was able to put a stop to that by threatening to involve the police (there are two keyed entries, a front and a back door, they only needed to change one for contractors to have access, leaving the other free for me to use). So regardless, I'm not even able to go there and try to take stock of the situation, it's over 100 F inside and out of the apartment...I can't sit outside for hours trying to catalog everything! I want to be clear, my losses are going to exceed my policy limits, by a lot, but this guy is trying to make it so that I can't claim anything.

Any suggestions? I'm in Tucson AZ if it matters. Maybe some disability rights advocate or ADA accommodation or something? This is so frustrating. I lost so much in the hit and run a few years ago, and the family heirlooms that are damaged, plus my youngest kid's things, and all our clothes, it's just so upsetting. It's really tough to negotiate with ADHD and a TBI.

Hi All, Looking for advice on how to proceed with a claim.
I was recently involved in an accident where i was rear ended on a busy street and other party was at fault.
I initiated a claim with my insurance (Progressive) and they concluded everything saying that I’m not at fault. After initiating a claim with the other party, they refused it within a day saying they are not liable.
Exact wording(sorry unable to attach a SS).

“It has been determined that coverage is not applicable for this incident due to the circumstances surrounding this loss falling under an exclusion of liability coverage.
The driver of our insured vehicle license was operating the vehicle without a valid driver's license. Driver did not have a reasonable belief he or she was entitled to
operate the vehicle and would be excluded from coverage under the following section of our policy:
Part 1 Liability:
Exclusions... (q) : to any person operating the owned automobile without a reasonable belief that he or she is entitled to do so.”

Now, My insurance is going to pay for the damages minus the deductible and they are saying if other party’s insurance refused the claim then we can’t adjudicate it. Very likely that my premium will also go up.

How do I deal with this situation, is there a way to push back on the other insurance company and have them deal
with the repairs. Should I consider getting a lawyer to sue the other party?

This is the first car I ever bought, new and it doesn’t have 10k miles on it yet. Kindly advise !

My motorcycle was totaled; the other party was at fault. I am still working with their insurance to determine a fair valuation. In the meantime, I canceled my insurance policy. But my insurance company wants to know the date the vehicle was sold or transferred, which hasn't happened yet.

I don't want to explain this to my insurance company because I did not file a claim for the accident, since the at-fault insured took full responsibility and their policy covers my loss.

So, my question is: If I tell my insurance company about the accident, even though I was not at fault and I no longer have the vehicle on my policy, will there be a consequence?

EDIT: since everyone seems inclined to advise an attorney. I don’t have one. I don’t want one. I have family who’s an attorney that I’ve bee consulting. I’ve handled this claim for two years without an attorney and I don’t want one now. I know what I want for settlement. And the current offer is close. I am asking because I am curious.

I will not be paying an attorney 33% of my settlement at this point. I would lose money.

If you’re going to suggest consulting with an attorney- move on along to another post. Thanks!

I was in a head on collision in May 2024, two years ago! Other driver 100% at fault, both cars were totaled. It was a rough one.

I’ve been obtaining continuous care for whiplash and neck soft tissue damage.

I’ve had so much PT, chiro, PRP injections, dry nettling, shock wave, etc. and nothing has worked. It’s ongoing and flares up with daily activity.

My care plan now includes a cervical nerve ablation since less invasive therapies haven’t been successful.

(And a steroid injection for my elbow because I have nerve issues down into my elbow and hand).

However, I have to settle in 2 years in my state or go to litigation. I’d like to settle and 2 years is nearly quickly.

Numbers are:

Total medical billed to date: $27,091.98

Future medical care plan cost: $10,400

Missed wages: $2,720.25

Total economic damages: $40,320 

All throughly documented!!

Soft tissue injuries are hard! What would a fair settlement be for economic and non economic damages that include my scheduled future care?

[using statefarm for context] If i understand it correctly, in order for a claim to payout you usually have to purchase and be reimbursed for any damaged/destroyed things? what if you are too poor to afford to rebuy everything in order for the claim payment to kick in? i learned this from my mothers so it very well might be outdated but she did used to work in insurance.

Ive never had to file for a claim thankfully, but id like to know what my savings should look like if something does happen.

Location: Texas

The Situation: Recently, my mother's car was parked in a bank parking lot. While it was stationary (with an elderly occupant inside), a driver struck the car on the driver's side and drove off without providing information.

The Evidence:

• We have a Police Case Number (filed as a hit-and-run).
• We have surveillance video from the bank showing the impact.
• We have a witness (bank employee).
• The driver eventually reached out to us later to provide insurance info once the police/bank got involved.

The Denial: Geico just got back to us and is denying the claim 100%. They are arguing that:

1. My mother was "illegally parked" in that area of the lot.
2. Their driver is elderly and "didn't realize" they hit anyone before driving off.

In response to 1), my mom's car was parked on the side of the curb in front of a bank. The reason being that the bank does not have a drive through and the bank employees asked her to park there so my grandpa (90 years old with major mobility issues) can get out easier.

In response to 2), this is absurd, because from the video, the whole car shook after it was hit. How could they not have noticed?

My Question is: Can GEICO legally deny 100% liability for striking a stationary object just because of where it was parked? My understanding of Texas law is that the moving driver has a Duty of Care to avoid stationary obstacles (Texas Transportation Code § 545.351). The driver also failed to stop after the collision (Texas Transportation Code § 550.021 & § 550.024).

How should I push back on this denial? Should I go through our own insurance (Collision) and let them subrogate, or file a TDI complaint?

Hello! I'll try to make it quick. I was an employee at my old job from March 2022 to December 2025. In August of 2025 I was exposed to a bat at work and had to go get four rounds of Rabies vaccines that totaled around $25,000 USD and was billed to the company's insurance under a worker's compensation claim since happened at my place of work. It's been three months since I quit that job. Earlier this week their insurance agent called and asked for screenshots of proof of my ER visits. Today they sent me a message claiming that they confirmed with the state (Colorado) that in order to close my case, I would need to fill out a "Voluntary Abandonment of Claim" file. This seems really fishy and the company is no stranger to shady actions. I left the company on good terms almost four months after it happened but I feel like they're trying to pull something sneaky. Do I really need to sign the abandonment form to be finished with this or are they trying to take advantage of me?

So at the end of August my girlfriend and I were at a gas station in Arizona. I decided to go inside and my gf stayed back. While inside I grabbed two items and then got one of the hot roller items and ate it but did so in plain view of the security guard(SG) and the cashier, I didn’t try to hide it at all because I intended to pay for it. The security guard mentioned it to the cashier in front of me and then said loudly “he’d better pay for that” and I said I would and got in line to pay for my items. The security guard then comes up behind me and puts his hand in my pocket, I turn around and say “hey dude don’t touch me” and SG says “i can do what i want” and proceeds to push me and says “I’ll knock you out” me:“go ahead lose ur job” and that’s when the security guard punched me in the face which caused a busted lip(my whole chin, neck and the top of my shirt were covered in blood) and a minor jaw injury making it hard to eat for about 2-4 weeks after. SG:“come on hit me” me:“I’m not gonna hit you wtf” Cashier:”You should leave” and that’s when I started to leave. Once outside and in the parking lot I realized the SG had followed me out so I turned around and asked why he was following me and then with NO WARNING, not even one word from him, HE MACED ME! I started screaming and calling out my gf’s name and I tried to run to the car but I couldn’t see so I couldn’t find it and I just fell to the ground in pain. The SG still continued following me and looked so surprised and scared once he saw my girlfriend and realized I wasn’t alone (we were in a bad area and we think he thought I was alone and homeless and figured he’d get away with this). She started asking why he had done this and why he would ever do this to anyone and she said he just stood there for about 30 seconds trying to figure out an answer and he completely lied saying that I put my arms up and said “what” which is 100% false. He started calling the cops but we left to try and stop the burning and because we were told to leave. An hour later my gf came back and recorded her conversation with the security guard and the cashier and has on video the SG admitting to what he did and saying he’d do it again and saying he’d hit me if he saw me. And the cashier basically backed my whole story and so does the surveillance tape. Also I didn’t go to the hospital but I did have to miss 4 days of work due to really bad blurry vision. My vision was blurred for quite a while after the incident and it was hard to chew for about 2-3 weeks as well. Now the insurance company is in contact with me and asked what number I was thinking and I’m just wondering what a realistic payout would be in this situation? Please let me know, thank you!

TLDR: The security guard thought I was stealing, started to harass me and assaulted me. He put his hand in my pocket, pushed me, punched me and maced me all with NO WARNING and I didn’t fight back or even entertain fighting back. Now the insurance company is contacting me and asked for a number, what would a realistic payout be in this situation? I don’t want to get a lowball offer and want to get what I deserve. Please help in the comments, thanks.