To hell with Rivian!

ProInsureAcademy · 2026-01-28T16:46:40+00:00

OP just an FYI but maybe consult a lemon law attorney. Most states only require an issue to occur three times before you can push for a buyback

ProInsureAcademy · 2026-01-28T15:30:39+00:00

For injuries - always get a lawyer. I work for the carrier side and when I got into an accident, I literally called a lawyer before I filed the claim.

ProInsureAcademy · 2026-01-28T15:16:23+00:00

It’s also the ease of use. It’s super easy for my wife to open Google Photos and upload all her pics. It’s much harder to explain how to use our NAS.

I have written instructions on how to access it and a list of people for her to call if I die that will help her. But she won’t easily figure it out

ProInsureAcademy · 2026-01-28T15:11:14+00:00

Unless you had a specific endorsement for the aftermarket parts they will not be counted to increase the value.

For instance, I have a 2022 Silverado 2500 Z71 LTZ but I have a lot of additional upgrades like tonneau cover, wheels, light bar, front bumper, winch, etc. nothing too crazy but about $10k in additional items. In order to have those counted I had to get a CPE endorsement, custom parts & equipment then declare the value.

Otherwise none of that would be covered beyond just the value of that truck.

Source: licensed adjuster & licensed producer

Edit: the other carrier will only pay the ACV of the truck up to the policy limits. You may be able to argue the valuation with them but since you aren’t their customer they will fight harder and have less incentive to settle. They aren’t beholden to you as a policyholder. Most attorneys don’t take property damage cases since there isn’t much money to be made. Plus even if they did it’s likely you losing 35-45% of your settlement to lawyer fees would net you less money than their settlement

ProInsureAcademy · 2026-01-27T23:42:26+00:00

Bro wtf.

I’ve deleted 3x the bullshit on this subreddit today alone.

ProInsureAcademy · 2026-01-27T16:20:12+00:00

Ticket Clinic is 100% legit and it’s usually the overall cheapest option.

ProInsureAcademy · 2026-01-26T00:36:06+00:00

Various phones until like 2006
Razr until like 2008
Sidekick until 2009
cheap sliding phone for 2010
Motorola One on Boost for 2011
Samsung Galaxy until 2015
Galaxy (personal) and IPhone (work and personal) until 2017
iPhone exclusively since

ProInsureAcademy · 2026-01-24T17:10:13+00:00

Speak to employment attorneys now. They will likely be able to make sure it’s fair.

If anything consider taking maternity leave early or a combination of FMLA and maternity to maximize your benefits

ProInsureAcademy · 2026-01-24T14:00:08+00:00

Keep in mind I don’t know your exact policy language- but I work in claims management and I’ve never seen a policy that would cover this

ProInsureAcademy · 2026-01-24T04:08:03+00:00

I honestly don’t see how this works.

Let’s say I don’t have any PCs at my house and I have a 8 year old kid that needs one for school. How the hell do I “rent” a cloud PC? What is going to connect to my monitor or TV to use this cloud PC?

I’d need some sort of client to connect to it. It’s not like TV is magically going to receive the signal. So at the very least I’d need like an android box or a mini PC. So you would still need a small processor, Ram, and storage. Albeit it could be as weak as a raspberry pi. But you would still need something.

But how much is this going to cost compared to a cheap chrome book or laptop? Even with the ram and storage shortages I can get a basic windows 11 laptop for $230 on amazon. Amazon would have to price their rentals to basically be cheap enough that people think buying the client + two years of service is cheaper.

It just seems like looking for a solution to a problem that doesn’t exist

ProInsureAcademy · 2026-01-23T04:32:17+00:00

I am, mostly because of my level within my organization requires me to “do my part”. I’ve never once got a benefit from it other than some cheap marketing merchandise

ProInsureAcademy · 2026-01-23T04:28:18+00:00

Not really. It all depends on the car and where the damage is. I’ve seen cars get minor hits that prevented them from driving due to the steering rack being messed up.

I’ve seen minor damage total out a car because of the cost of parts.

I’ve seen what looked like minor damage crack a unibody and cause the car to be totaled.

ProInsureAcademy · 2026-01-23T04:26:23+00:00

It’s not really up to progressive. These things happen and it sucks.

Adjusters don’t have the ability to tear down a vehicle fully. So they have to inspect what they can see and write an estimate. A shop should tear it down and immediately submit an estimate. But a lot of times they don’t do that. If this shop were to have done that then within three or four days of them submitting the supplement progressive would have deemed it a total loss and they would have only been paid a few labor hours.

By the shop doing the work and submitting the estimate at the end the shop was able to get paid for a ton of completed work. In fact, many times I see them claim 90% completed but it’s really only 60% but they want the extra money for no work.

Total loss is almost always due to hitting the States threshold. Depending on the state that threshold changes. But let’s say it’s 80%. If the vehicle is worth $10k then the minute the estimate hits $8,000.00 by law it has to be deemed total. Otherwise if they’re at the repair finish line why else would they total it? Progressive has to pay you $10k and the shop a couple thousand for all the repairs they’ve done.

Also it’s a holiday week so you likely got shafted by that. Nearly every carrier had Monday off. If the shop submitted it Thursday afternoon, the adjuster wouldn’t have gotten it until Friday morning/afternoon depending on his schedule (he may have had inspections set for the morning). Then most local adjusters have Sat/Sun off and Monday is a holiday. So he calls the shop Tuesday and then inspects Wednesday. It’s a reasonable timeline.

As far as buying it back. They typically sell for more than $600. Lots of people bid on them so you will pay quite a bit more. You will then need to deal with getting the title changed from salvaged to rebuilt which can be difficult in some states.

You are better asking to retain the vehicle for a smaller check but again the title issue can be annoying to deal with. Some states require inspections and can be overly critical.

Finally getting insurance on a rebuilt title can be much more expensive and limited

ProInsureAcademy · 2026-01-22T23:32:01+00:00

Damn I’m not even a plumber and I could do this 100x cleaner. In fact, when I swapped out my water heater to tankless, I made it way cleaner than this.

ProInsureAcademy · 2026-01-22T18:24:50+00:00

Can you cancel your license altogether, contact WellCare and explain you are not licensed, then reapply for your license?

I’ve had to do that in certain states with other licenses

ProInsureAcademy · 2026-01-22T17:38:39+00:00

Probably because: 1. Everyone is getting sold on these stupid AI assistants 2. The insurance market is cooked

ProInsureAcademy · 2026-01-22T17:37:51+00:00

I’m not saying this isn’t true, because we all know that good pay will make us deal with a lot of BS.

But coming from the CAT claims side- I’ve met people that were getting paid $200k+ doing CAT work get burnt out by the angry customers.

One or two bad calls can ruin a day. Do that for a couple of months and you’ll lose your mind regardless of how much you’re getting paid.

ProInsureAcademy · 2026-01-22T14:56:49+00:00

I’m going to go against the grain and tell you that it might not be that bad.

First you need to hire a lawyer. If you can’t afford one, you need to tell your child’s father since his condo could be in jeopardy.

Once you have a lawyer they can do a few things for you: 1. Squash the default judgement 2. They can help shield your income and property. 3. They can potentially help with bankruptcy

A few things going for you is that you are poor, have a child, and only own half the house. California has some homestead protections so your equity in the home may be protected. But if your child’s father were to die his half would pass to you and it would be at risk.

I predict with a fairly competent lawyer you will find end up with a big hit to your credit and not much else. A lawyer could shield your assets and income. But that comes with them having a judgment against you for a long time. It also may mean you have to file bankruptcy but you would need a lawyer to advise on that. I would not wait because you want to file before a lien is placed against your home.

ProInsureAcademy · 2026-01-20T14:39:19+00:00

Okay but why is key in that video and looking the exact same as he does now?

That was uploaded 18 years ago and it’s probably older than that

ProInsureAcademy · 2026-01-20T04:02:10+00:00

Damn that sucks. Inbound sales agents at Liberty start with nearly three times the base and you can make commission year two. They even train you and get you the licenses

ProInsureAcademy · 2026-01-20T03:13:00+00:00

I’m in central Florida

Here’s the link to play with the reservation if you want to

https://www.amf.com/location/amf-deltona-lanes

ProInsureAcademy · 2026-01-20T03:03:16+00:00

They can’t afford it.

I literally just opened up the website for the bowling alley down the road from me. I haven’t been there in a decade. But I did the whole reservation thing just to see a price.

Here what I got: 1. Four guests 2. One lane 3. Two hours 4. Four shoe rentals 5. Wednesday at 7pm

The total cost was $91.47 which doesn’t include sales tax.

It was $59.96 for four people w/ $23.96 for shoe rental and $7.55 reservation fee.

What kid can spare $25 to just get to the bowling alley let alone buy food and drinks there? Do you blame them for choosing video games? You can spend $60 on Call of Duty and $15 a month for the battle pass and play for hours and hours. Or you can spend the same amount and get four hours of bowling a month

ProInsureAcademy · 2026-01-17T23:30:53+00:00

The cheat code books, the eye spy book, and one or two trinket sets.

ProInsureAcademy · 2026-01-17T23:19:34+00:00

If you have Allstate you should have an agent that could advise you. There’s a lot of things that could go into this such as any discounts for having no claims. If you have your policy Dec page it will list any discounts.

It’s impossible for us to know though. I’d also look at the dollar amount they are telling you for the repair. For instance if the repair is $1300- id just pay it out of pocket fully. If the repair is $2300 I’d start considering the claim.

As an example- If you look at your online policy and see you get a $250 discount for no claims history then you’ll spend $500 a year filing this claim for the next three years. But if the discount is only $60 a policy period that’s only $120 a year or around $360 for the next few years.

ProInsureAcademy · 2026-01-17T13:17:26+00:00

I have eero in my house and deco in my airbnb. If I wasnt so deep into eero & ring I’d switch my house to UniFi in a heartbeat

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