I've been looking through US auto-insurance data, and two numbers seem useful together:

BLS reports that the motor vehicle insurance CPI was down 5.0% in September 2026 compared with September 2025. That's a national index, not a prediction for any particular driver's renewal.

CCC's 2026 mid-year report puts the average repair cost at about $4,821 in the first half of 2026, versus about $3,331 in 2020. Repair-cost growth was only 0.6% compared with the first half of 2025, but the cost level is still much higher than it used to be.

So slowing repair inflation and cheaper repairs aren't the same thing. That distinction helped me understand why a clean driving record alone doesn't settle what a renewal should cost.

For agents and underwriters here: are you seeing lower prices on comparable renewals, or are the reductions mainly showing up in quotes for new customers? By comparable, I mean the same coverage, limits and deductibles.

Sources:

BLS September 2026 CPI, motor vehicle insurance: https://www.bls.gov/news.release/archives/cpi_10142026.htm

CCC Crash Course 2026 Mid-Year Update: https://www.cccis.com/news-and-insights/posts/crash-course-2026-mid-year-update

Hello everyone, I am posting this thread checking if anyone encountered the same on their Policy with Pru Life UK.

Starting this year, naka encounter na ako ng errors with my account, nag simula sa partial withdrawal request, na put off yung request ko dahil wala daw fund value pero meron naman laman worth 50k at that time and 10k lang winiwithdraw ko.

Then nung na approved naman Q2 this year, yung fund value ko naman eh nagulo, tumaas masyado yung fund value right after nung withdrawal ko.

Then now, Q3, nag ttry ako mag bayad ng premium online dahil hindi nag auto debit sa cc ko, nung pag log in ko, hindi ako makabayad due to lack of payment daw from the months of May - Sep, kahit na online, meron akong mga receipt of payment.

Sobrang hassle ng PRU LIFE UK dito sa PH. Ang reply sakin ng contact center nila is may ongoing system adjustments lagi. Minsan iniisip ko, kung sinasadya na nila, para once mainis si policy owner, ipupull out nalang yung insurance nila at icacancel.

Im on my 5th year of paying my insurance at ayoko talagang icancel yung policy ko dahil sayang.

Any thoughts on this please?

I had a minor accident and have been trying to settle it outside insurance since it's a simple repair. No police report and no claims have been filed yet. I have also not notified insurance. The incident occurred well over a month ago now, almost 2 months. I would really prefer paying cash, but the owner is being a bit difficult, so I want to know if they have any likelihood of actually getting a repair claim approved this far down the line. I do not want insurance to payout at this point, because I don't want my premium to go up. I have a clear record up to this point, so I know it would increase once I have an incident on CLUE. Even if they deny the claim, I'm sure they would count it as an incident? Location is FL, company is Progressive. My policy just says reporting needs to be "timely", no specific date limits.

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

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.

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.

So I have the United healthcare plan as my primary. I do all my eye doctors primary care healthcare anything with U HC. This year I added a Aetna vision plan from my job insurance. I have no other health insurance outside of UHC and Aetna.
Had a deviated septum surgery with UHC. UHC claim adjuster keeps denying covering it claiming my Aetna VISION plan was my primary.

It’s a work insurance so I can’t cancel/ deactivate it mid year until Jan 2027.
But by then the filing date for coverage for my surgery would’ve passed I was told from my doctors office.

Apparently UHC wants a letter from Aetna or my HR stating this insurance is cancelled. I’m so lost and dazed— this was a NOSE surgery how tf is a vision plan going to cover that?

UHC case managers are truly evil.

What do I do? I can’t pay for the whole surgery myself.

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?

My husband was on his merry way to pick me up from work and he ALWAYS takes the same route every time he drops me off and picks me up from work. Earlier this evening, he was getting ready to turn right when a car hit him on the driver’s front side. The said driver was at a stop sign, and according to my husband, the other driver did not yield. I personally believe my husband because it’s a stop sign, he had the right of way. The other driver is claiming that she was already far from the stop sign to have yield. It became a he said she said situation. They exchanged informations on driver’s license, registration, insurance and both parties took photos. The driver’s father ended up coming to the other driver’s rescue and demanded we paid out of pocket so neither of our insurances go up. Luckily, the building that I work in has multiple CCTV cameras surrounding the area, and said I could get a copy if I come back in the morning.

Once we get the footage, we are reporting to our insurance before they can lie and file a claim against us, especially if we have the same insurance.

Has anyone had the same experience? And are we going about this the right way, or should we file a claim even before we get a copy of the security footage? This is in NYC btw.

So we closed on our home a month ago and have been living here for a couple of weeks. Today, I got a letter in the mail from our homeowners insurance company stating that they did their drive by inspection and will be dropping our coverage due to excessive moss on the roof. In the letter, they stipulated that we a full roof replacement is required. To be sure, there is quite a bit of moss on *some* portions of the roof, but three fourths of the roof is *entirely* moss free. These sections are, unfortunately, not visible from the angles of the property that the insurance agent would have had access to.

What are my options here? I live in Western Oregon and it rains nine months out of the year. I can't imagine what the expense would be to have a full roof replacement in late fall/winter, on top of having JUST taken out the biggest loan of my lifetime to buy the house in the first place. I still have some savings left, but not nearly enough for something like this. Do I have ANY leeway, or is my coverage bound by their exact recommendations? Is cleaning off the moss myself an option? Would I be better off letting them drop us and getting another insurance company to come out and take a look *after* I clean the moss from the roof?

Please help talk me off a ledge...

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

So on my way home from work a 18 wheeler tire came off in front of me It hit my car and I ran over it. I took my car to the body shop insurance paid for the repairs. I picked my car up about the first week of September and the check engine light was on I asked the owner if he could check the light for me I had a code for misfire cylinder 4 and also P0507 code he tried to erase it but it came back on. I took my car to advance they told me to change the coil pack and plug which I did parts purchased from Kia. Check engine light went off after misfire code was erased. Mechanic advised me that P0507 could be a couple things he started with cleaning throttle body no more check engine light. Fast forward to October no check engine light but my car went in limp mode scanner was put on same code P0507 get my car towed to mechanic my turbo went out in car 2023 Kia mechanic sent me video of the turbine snapped. I never mentioned to them about the tire because I honestly didn’t think the 2 had anything to do with one another. Well I was talking to another mechanic that said the tire could’ve caused damage under the hood and cause debris to get in as the blades where worn and turbine snapped off. I’ve paid for the turbo replacement but I was wondering was this worth asking body shop to send in supplement to insurance or let it go. Throttle body was replaced by Kia in 2024 other than that no other problems with car.

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 .

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 .

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

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?

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?

I was involved in a car accident in July and the Geico policy holder was at fault. I was offered $5000 personal injury and $8000 for medical. And my son was $7500 for personal and $2300 for medical. Our insurance already took care of the medical and paid for those. Geico is saying they will pay medical bills directly. So what does that mean? My hospital bill that Insurance paid was $6600 and I have a $300 bill left over. Why aren’t they just sending me the checks directly so I can pay whatever out of pocket expenses I have?

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?

I live in Iowa and I am in a living situation in which I very rarely use my car, only really in the dead of winter and even then not very often. I need pay-by-the-mile insurance, preferably using an ODB device and not an app that thinks I am driving when I am riding my bike or in someone else's car. Anyone help me?

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?

This morning, my car got hit by a pickup truck. I filed a report but didn’t get a chance to get pictures myself or their insurance. The police report won’t be available for 3-5 days so I filed a claim with my insurance. I was wondering if I should wait the 3-5 days and close the claim in favor of the other drivers or continue with mine? The police told me they admitted they didn’t see me and caused the accident. Any advice would be appreciated. This is my first accident and first car :/

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.

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??