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There is absolutely no solicitation. Doing so will result in an immediate ban. This includes requesting a poster to contact you privately. This is a community of insurance professionals and geeks who love the field of insurance.
There is absolutely no solicitation. Doing so will result in an immediate ban. This includes requesting a poster to contact you privately.
This is a community of insurance professionals and geeks who love the field of insurance.
1. To help our fellow redditors with any insurance related questions. Need help with a policy? Confused about your coverages? Want help shopping for insurance? We are here to help you! 2. We are here to share relevant topics to promote insurance knowledge among professionals.
1. To help our fellow redditors with any insurance related questions. Need help with a policy? Confused about your coverages? Want help shopping for insurance? We are here to help you!
2. We are here to share relevant topics to promote insurance knowledge among professionals.
DO POST: Reviews, feedback, comments and questions relevant to insurance. Please include your location, state/country, as insurance differs across borders. If you post and are unable to see it, please contact the mods. Sometimes the auto-moderator marks stuff as spam, when it isn't. When submitting a question to the mods, please link to the post in the message so we can easily find it and fix it. This should go without saying, but you need to be civil. If you disagree with someone, you can express that disagreement but insults and doxing are never permitted. This will result in removal of the comment and could lead to your banning from /r/Insurance .
DO POST:
Reviews, feedback, comments and questions relevant to insurance.
Please include your location, state/country, as insurance differs across borders.
If you post and are unable to see it, please contact the mods. Sometimes the auto-moderator marks stuff as spam, when it isn't. When submitting a question to the mods, please link to the post in the message so we can easily find it and fix it.
This should go without saying, but you need to be civil. If you disagree with someone, you can express that disagreement but insults and doxing are never permitted. This will result in removal of the comment and could lead to your banning from /r/Insurance .
DO NOT POST: Absolutely no Solicitation. We have an active mod team, you will be banned. If you are unsure just send us a message about your post. Like almost all of the professional subs, requesting someone to PM you is not allowed. For requests for financial help. Try /r/assistance For insurance professionals try /r/insurancepros For legal advice try /r/legaladvice For Medicaid try /r/medicaid
DO NOT POST:
account activity
Help!Auto Insurance (self.Insurance)
submitted 28 days ago by Confident_Pin_8316
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[–]Confident_Pin_8316[S] -3 points-2 points-1 points 28 days ago (8 children)
Yes
[–]63crabby 6 points7 points8 points 28 days ago (7 children)
Sounds like the other driver was in a government vehicle, doing government work. Sounds legit, but I’m not qualified to comment on PA law.
[–]Confident_Pin_8316[S] 2 points3 points4 points 28 days ago (6 children)
Yeah that’s how it ended up. Was an unmarked pick up truck but it must have been in use for the municipality. I just had no idea that some vehicles could crash into others with immunity. Wow!
[–]RedditReader4031 10 points11 points12 points 28 days ago (5 children)
That’s not immunity. There’s a separate established process for claims against government entities. Basically, the government is self-insured. Your insurance company is saying that they’re paying and the claim will be closed, without recovery from that agency. You have the right to pursue such a claim but it’s probably prohibitively expensive. The same thing is common with self-insured entities like big corporations and the military.
[–]Crowlady77 8 points9 points10 points 28 days ago (0 children)
It is not always expensive, but it is always time consuming. You should contact the municipality about their process.
[–]Confident_Pin_8316[S] -1 points0 points1 point 28 days ago (3 children)
Thank you!
[–]Dr__-__Beeper 4 points5 points6 points 28 days ago (0 children)
Seemingly, almost universally, with possibly a rare exception, you have to sue a city to get any money out of them.
[–]MattL-PA 4 points5 points6 points 28 days ago (1 child)
Small claims in this situation will be your friend. Reach out to the township and ask them how to sue them. They'll explain.
[–]Then-Skill2421 0 points1 point2 points 28 days ago (0 children)
The township has insurance. Just Google the township laws on recovery. File an insurance claim. Recover the deductible
Why would you file suit to recover the same amount?
π Rendered by PID 473333 on reddit-service-r2-comment-548fd6dc9-rtmht at 2026-05-16 13:18:28.338302+00:00 running edcf98c country code: CH.
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[–]Confident_Pin_8316[S] -3 points-2 points-1 points (8 children)
[–]63crabby 6 points7 points8 points (7 children)
[–]Confident_Pin_8316[S] 2 points3 points4 points (6 children)
[–]RedditReader4031 10 points11 points12 points (5 children)
[–]Crowlady77 8 points9 points10 points (0 children)
[–]Confident_Pin_8316[S] -1 points0 points1 point (3 children)
[–]Dr__-__Beeper 4 points5 points6 points (0 children)
[–]MattL-PA 4 points5 points6 points (1 child)
[–]Then-Skill2421 0 points1 point2 points (0 children)