I'm dealing with Liberty Mutual over a short-rate cancellation charge on my auto insurance policy in New York, and I'm getting increasingly frustrated. I wasn't shopping around, I sold an unused second vehicle.

I've reviewed my policy documents and cannot find the fee schedule or formula that supports the amount they're charging. Based on my calculations, Liberty Mutual is retaining approximately 35% of my unearned premium as a short-rate cancellation penalty.

Here's the problem:

I've spoken with four different Liberty Mutual representatives, and not one has been able to explain how the amount is calculated.

None has been able to identify where in my policy I agreed to this calculation.

If there's a separate short-rate cancellation table, endorsement, or filed fee schedule, nobody has provided it despite my requests.

I've reviewed the policy myself and cannot find anything establishing this 35% charge.

I'm not disputing that short-rate cancellation provisions can exist or that insurers may be permitted to charge them. I'm questioning how a company can assess a material financial penalty without being able to show the customer the provision or calculation supporting it.

My questions for anyone familiar with insurance regulations or Liberty Mutual:

Does Liberty Mutual have to disclose the short-rate formula in the policy itself?

If it's in a separate filing, how do I obtain the actual schedule being applied to my policy?

Is it reasonable to expect the insurer to provide a written calculation and identify the specific provision authorizing the charge?

At this point, I don't know what's more frustrating: the fee itself or the fact that four company representatives cannot explain where it comes from.

I shouldn't need to reverse-engineer a 35% penalty to understand the terms of my own insurance contract.

State Farm is non-renewing my auto insurance and listed 2 accidents plus two school-zone speeding violations from 2024.
The weird part: I was never pulled over or given those school-zone tickets. I bought my certified Full Washington DOL driving record today, and neither violation is on it.
One of the accidents was a 2024 rear-end collision where I was stopped at a red light. The police report says the other driver admitted he was distracted and hit the back of my car. I also have video footage.
I sent State Farm the DOL record, police report and video and asked underwriting to reconsider.
What are the chances State Farm reverses the non-renewal? And if they don’t, should I have trouble getting good full coverage from another major company like Progressive, GEICO, Allstate or Travelers? Is a State Farm non-renewal something those companies will hold against me?

A little over two months ago I got rear ended at an intersection and the back end of my car was damaged pretty badly. My car has now been sitting at the repair shop for about a month and I still have no idea what’s going to happen with it.

I’ve called the repair shop several times for updates and they told me the back end has been disassembled and that the damage went over the threshold. From what I understand, there’s a possibility the car could be totaled, but nobody has actually confirmed anything to me.

I’ve also tried calling the Allstate insurance adjuster (at fault drivers insurance) multiple times, but every time I reach out, I can’t get a straight answer about what they’re going to do. Now, the repair shop isn’t getting answers from him either. Nobody seems to know whether the Allstate is going to pay for the repairs or total the car.

At this point, I feel like the repair shop has been keeping me more informed than the actual insurance company. I understand that claims can take time, but it’s frustrating to be left in the dark when I’m the one without a vehicle.

For some additional context, I had my baby three months ago, and I’m ready to get back to work, but I’ve been without a car for almost two months now. My car was paid off, and not having transportation is making everything so much harder.

I’m honestly not sure what to do anymore. I feel like I’ve been patient and have tried reaching out multiple times, but I can’t even get a clear answer about what’s happening with my own car. What do I do??

Recently liberty mutual acquired Safeco, my insurance holder. Ever sense then my rates have gone up, from about $250 to now $344 and soon to be $459 after selling my old car for a new one

Some personal info for context:

I am 27 and my wife is 28, we both have clean records, no tickets and no accident’s

The first car is a paid off 2003 Chevy Trailblazer

The new car is a 2024 Nissan Sentra

After seeing my insurance go up over $110 overnight, I contacted progressive for a quote. For the same coverage progressive is offering $240 a month compared to liberties $459

Can I have advice from other people, why would the same plan be less than half what I am currently paying, and she i switch to progressive? Because I want full coverage on my cars but I can’t afford liberty

Insurance info:

Liability: $100k/300k
Underinsured Motorist BI: $100k/300k
Underinsured motorist PD: $50k
Personal injury: $35,000
Comprehensive: $250 deductible
Collision: $500 deductible

Roadside assistance; yes

I’m young and not exactly too sure how all this works. I had my car declared totaled by GEICO and they valued my car at 7k. My auto loan has a balance of 11,700.

I have GAP with Carmax, they’re coverage is 150% acv.

What would all this add up to? Would my Gap cover the rest of the loan?

Mom was in a fender Bender yesterday, no injuries and it looks like very minimal damage in the pictures. She was at fault and provided her information to the other driver. Damage to her car is not even enough to bother going through insurance to fix. So do I need to reach out to her insurance company at all or do we just wait for the other driver to decide if he is going to put in a claim?

ETA: she is old. I manage her affairs so even the calls she has to make herself, I am usually the driving force behind it. But yes, just asking if she has to report it.

Location: California
Insurance type: Auto (my policy is from New York Geico)

What happened: I rear-ended another car at under 5 mph. Neither of us saw visible damage at the scene, and I didn't take photos. We exchanged insurance info. Later he sent a photo showing light scuffs on his rear bumper. Some of the marks, especially along the bottom edge, look older to me, but I can't be sure.
His tail lights are heavily tinted/smoked (aftermarket, as far as I can tell). It was harder to see him braking. His own photo shows the tint, though the lights are off in it.

Where it stands: He first asked about my deductible, then said I'd owe my collision deductible if he went through insurance (my understanding is his repairs would go under my property damage liability, not my collision). He offered to settle for $400 cash. I'm considering countering around $175 to $200 with a signed release.

Questions:
Realistically, does the tinted tail light issue shift any fault in California, or is it mostly irrelevant for a rear-end?
Is $400 reasonable for bumper scuffs like this, or should I ask for a shop estimate first?
If he files against my liability coverage instead, would a small paid claim like this likely affect my rates, or is that unknowable?
Anything I should make sure is in the release before paying?

Hi, I was involved in a minor rear-end accident on October 6th, and I’m now dealing with a situation that has me extremely frustrated.
I was at fault for the accident, and I’m not disputing that whatsoever. However, the other driver is now claiming that an additional person was in her vehicle who I am 100% certain was not there.
Immediately after the accident, I spoke with the driver and specifically asked if everyone was okay. She told me, “Yes, my baby is in the car.” I saw who was present at the scene, and there was no additional woman in the vehicle.
Here’s where things get suspicious to me:
When the other driver initially filed the insurance claim with GEICO, she reported that there were only two occupants in the vehicle: herself and her baby. GEICO confirmed this information to me. There was absolutely no mention of a third person being present when the accident was originally reported.
Now, several weeks later, the other driver has retained a personal injury attorney, and suddenly a third person is being added to the claim as an alleged passenger who was injured in the accident.
This person was never mentioned at the scene, never identified in the initial insurance claim, and only appeared in the claim after the other driver obtained legal representation.
GEICO has confirmed that they’re investigating whether this additional person was actually in the vehicle. However, I was also told that if she has medical documentation claiming injuries from the accident, there’s a possibility they could pay her claim.
Unfortunately, the police weren’t called to the scene. I have photographs of the vehicle damage, but I don’t have photographic proof of who was inside the other vehicle. My dashcam footage from that day has also been overwritten.
I’m extremely frustrated because I have absolutely no problem accepting responsibility for an accident I caused. However, I have a serious problem with the possibility of someone receiving compensation for an accident they weren’t even involved in.
My questions are:
Has anyone dealt with someone claiming to be a passenger when they weren’t actually in the vehicle?
How do insurance companies investigate disputed passengers when there isn’t a police report or video footage?
How significant is it that the driver initially reported only herself and her baby, but a third person was added after retaining an attorney?
Can GEICO deny this additional person’s bodily injury claim if there’s no independent evidence proving she was in the vehicle, even if she has medical records?
Has anyone experienced something similar, and what was the outcome?
I’d especially appreciate hearing from insurance adjusters, SIU investigators, or anyone who has dealt with a similar situation.
I’m not disputing fault for the accident. I’m disputing the existence of an additional passenger who was never reported until after an attorney became involved.

Have a newer Mercedes still has less than 5,000 miles on it and was hit on the highway by a driver with Allstate who was changing lanes but didn’t look. Back taillight, bumper and bottom panels are all broken.

Anyone with recent experience with Allstate? How do I go about letting them let me use my own body shop? Also any way to push for oem parts?

Hello all,

Recently I received a letter saying that my home insurance policy was canceled because "I didn't send proof of the repairs" that were one on my property, however there are a couple factors at play here;

1) I did email the proof as soon as the repairs were completed, as requested by my insurance, two years ago, I have proof of this

2) I never received the letter they sent in the first place

So I was informed that apparently I haven't had home insurance for the last two months and counting, which is incredibly concerning heading into winter.

So my questions are the following;

1) Would I be able to sue with any sort of reasonable grounds given I did everything that I was supposed to, when I was supposed to, yet was cancelled for no reason

2) Am I able to cancel my remaining policies with this company as a result of their negligence? I can realistically save a lot more by switching anyway.

3) IF I choose to stay, there is no way they could try and backdate payments for the months I was not insured right?

TLDR: Insurance was canceled for not providing proof of repairs completed to my property, however I have email records proving that the information requested was sent on time.

Thanks all.

Two years ago my toilet wasn’t installed properly and had a slow leak that caused substantial water damage in my bathroom. Liberty Mutual covered some of the damage and sent out a contractor to fix it.

Within a year the wall next to my tub, that the contractor replaced,was turning moldy. I contacted the contractor like 15 months after the incident and they begrudgingly came and recaulked the tub. They said they used the wrong caulk.

Fast forward to now. A different contractor came to fix the wall that turned moldy again and found that when the tub was installed they left a strip on clear plastic on the tub itself, so the caulk never really adhered to anything either time it was applied.

I assume I’m SOL here but it just seems wrong that I used Liberty Mutuals contractor who did shoddy work and now I’m stuck with the bill. Is there anything I can do? Apologies for typos and grammar, I’m just pissed.

Apologies if there is naïvety on my end, but it looks like only the two doors need replacing? The insurance deemed it a total loss and is estimating a payout about $20,000. The car was able to be turned on and driven to another street so it is still functioning.

Seems like a waste to give it up to insurance when looks like only the doors are damaged and it’s an expensive car with parts that can be replaced?

Never been in this situation before. Thanks in advance for expertise and input.

Here are images of the vehicle: https://imgur.com/a/ZDkmF2g

Hi all! Looking for advice please.

I’m gonna try to keep this short and to the point but please feel free to ask any questions! Here’s the back story. My husband got in a car accident last November when a car turned left without seeing my husband’s car. He ended up with an injured neck and overall soreness all over. He gets an xray done and no broken bones thankfully. I can’t remember the exact payout from insurance but it was so small that it would barely cover a down payment on a new car. We decided to hire a personal injury lawyer. The lawyer suggested going to see a chiropractor so my husband ends up going to see one, twice a week, for I wanna say, 6 months. He finishes treatment but he’s still dealing with his neck being sore off and on.

This is where I need input. The lawyer contacted him last week saying his medical bills are $14,000 and they want to give him $500 for pain and suffering. The lawyer said he can take it to mediation and she will get 40% of whatever they end up getting. My husband and I are not experts but $500 seems like a lowball offer to us. We’re thankful we got some money but $500 is almost insulting at this point. That being said, do we just accept that amount or do we take it to mediation at this point? Would it even be worth it to take it that far? Any and all insight would be so helpful!! Thank you!

My wife has American family insurance. Anyone have experience with them? They are with Costco. Any experience with comprehensive claims.? We had our 2026 XSE Camry front driver side car window crack. Should we file a claim and what to expect? Will it counterfeit us and will policy go up? How are they with comprehensive claims and after. I hear people saying the policy mysterly goes up for other reasons at renewal? How much is claim free discount ? Anyone have expertise with them doing a comp claim?

Like the title says, I switched to GEICO a week or two ago and set up autopay with my credit card immediately. However, I’ve gotten 3-4 emails since then saying I’m not enrolled in auto pay and need to set it up by the 29th. When I check the app, it says I am enrolled and there’s nothing to change. I’m just so confused and wonder if anyone else has experienced something similar

Is car insurance more expensive based purely on what model you drive? My parents are saying an older lexus sedan would be more expensive than a honda fit because ones a lexus & the others a honda. All other factors ignored, is that true?

I’m sharing my ongoing experience with Monzo Premium’s insurance underwriter (Chubb) and their loss adjusting agent (Sedgwick) as a warning to other subscribers and to see if anyone in the community has advice on claims .

I was robbed of my vintage rolex whilst walking and have made a claim on my contents policy with chubb via monzo . Since then i have had home visit by a loss adjuster , one hour video interview then they instructed a jeweller to validate the watch who asked for invoice and contacted the merchant. I believe they cant find a single reason to decline the claim and are now after 6 weeks ,revisiting the scene of the crime which i went over with them countless times . I believe the loss adjusting firm Sedgwick just cant accept defeat and are trying to stall my claim for theyre own internal targets.

I have now made formal complaints to all parties involved and hope a complaint handler can see the case in black and white and issue settlement .

insurance companies try to onboard you in hope they can find something to decline you for when really they should underwrite the policy from inception as they are technically issuing a legal agreement and are taking that gamble .

Say a case is in litigation and defense (Insurance) company took a gamble by undermining or offering lowballs total damages throughout litigation when they could've settled sooner but didn't and also denied plaintiffs policy limit demand. if property damage limits is $25K and total damages comes to $50K all documented, verified and plaintiff is asking for $35K in mediation to settle or it goes to trial....what happens from an insurance standpoint? would they pay the extra $10K if PD limit is $25K? or go to trial and if pay the excess where or what pot would it come from? (No bodily injury just property damage and the at fault driver does not carry UMPD.) Thanks

I’m sharing my ongoing experience with Monzo Premium’s insurance underwriter (Chubb) and their loss adjusting agent (Sedgwick) as a warning to other subscribers and to see if anyone in the community has advice on claims .

I was robbed of my vintage rolex whilst walking and have made a claim on my contents policy with chubb via monzo . Since then i have had home visit by a loss adjuster , one hour video interview then they instructed a jeweller to validate the watch who asked for invoice and contacted the merchant. I believe they cant find a single reason to decline the claim as its specified on the policy too and are now after 6 weeks ,revisiting the scene of the crime which i went over with them countless times . I believe the loss adjusting firm Sedgwick just cant accept defeat and are trying to stall my claim for theyre own internal targets.

I have now made formal complaints to all parties involved and hope a complaint handler can see the case in black and white and issue settlement .

insurance companies try to onboard you in hope they can find something to decline you for when really they should underwrite the policy from inception as they are technically issuing a legal agreement and are taking that gamble .

We I think already settled ours for too little but I can’t fix that but how much more is a rollover accident on the highway worth because someone failed to reduce speed and hit you from behind. I’m worried that I didnt account for future possible expenses

Sup everyone! I'm part of a small team of college students working on an entrepreneurship research project. Our goal is to better understand people's real-world experiences with insurance, particularly when buying, managing, or using their coverage.

We'd appreciate hearing from people who've had to navigate insurance themselves, ESPECIALLY whether the process was straightforward or frustrating.

A few questions:

• Think about the last time you had to make an insurance-related decision. What were you trying to do?
• Was anything difficult to understand or figure out?
• How did you go about resolving it?
• Looking back, is there anything you would have done differently?

Feel free to answer whichever questions are relevant to your experience. We're just conducting research to learn from consumers, not selling anything or offering insurance advice.

Thanks for sharing your experiences! Literally anything helps!

I bought a 2025 new-used truck a couple of months ago with only 7000 miles on it.
I had the truck 12 days and was rear ended. It ended up being $7600 to make the repairs and they gave me a rental truck for a month and a half while my new truck was in the body shop.
I paid $65000 for the truck and I have the title. The truck shows it’s been in an accident already on carfax.
I reached out to carmax to see what they would pay me for the truck and they offered $55000.
I’m waiting on the insurance companies, appraiser for diminished value to see what they offer. My feeling is that I would like for them to pay me at least $10,000 so I can just sell this truck and go purchase another like truck with low mileage, so I do not have to deal with this if I go to trade it in in the next year or two. I typically trade vehicles every one and a half to two years because of my use of it with my job.
If they come in with a lower offer, would I be unreasonable for asking for at least $10,000?

Im completely new to all of this so please bear with me lol. I recently leased a 2026 car, and now I'm trying to figure out what kind of auto insurance I should get. I'm honestly overwhelmed by all the different coverage options and have no idea what's necessary versus what's just extra.

I'm already paying quite a bit for the lease, so I'm trying to keep my insurance costs as low as possible without making a bad financial decision. I'm the only person who will be driving the car.

For those who lease, what coverage do you have? What would you recommend getting, and what can I skip to save money?

Hi, all - I'm writing about water damage remediation and reconstruction pertaining to a condo in New Jersey. Thanks in advance for your help. Please let me know if I've missed anything important. This being a condo and there being two insurance companies involved, there has been a lot of back and forth, but I'm going to try to cut to the chase.

My central question is: if either of the insurance companies we're dealing with has deemed our reconstruction company "too expensive," is it possible that we'll have to pay out of pocket for any of this (besides our deductible)?

A month ago, the unit above ours had their sink overflow for hours and damaged the ceiling, walls, and floor in the hallway of our condo. The same night, we filed a claim with our insurance (NJM) and, since it was a Sunday, called an emergency 24/7 remediation team to start the dryout. Within a couple of days, the adjuster for our insurance came out to do his assessment. The demo and dryout was completed about three weeks ago, but we're waiting on the payout from insurance at this point to start the reconstruction (we don't have enough savings to pay the 50% deposit to start work without insurance).

Our NJM policy kicks in after the building's insurance (FMI). Our adjuster had requested the building's policy documents upfront, which I assumed meant that he was doing all of the work with their insurance, but this wasn't the case, so I only just contacted the building's insurance (FMI) last week about sending their own adjuster.

Even though this is neighbor-to-neighbor, it seems like FMI will still cover some amount of the damaged drywall (not the LVP we had installed over the terra cotta tile floor, since it's not original, although NJM has said they will cover this).

When the FMI adjuster came today, he seemed surprised that we were using this particular restoration company because they are, in his words, "notoriously expensive". (I was using whoever was local and would respond at 8pm on a Sunday night, that's how.) He said he needed to contact the company to get their work estimate; I offered to send it to him, but he declined, saying he had to contact them anyway and had some things to discuss with them.

Our adjuster/insurance has already accepted the restoration company's estimate and says they will cover what the condo association insurance doesn't, but I'm still concerned because our adjuster has also raised concerns about the pricing.

Thanks again!