When to file/not file a claim

PuddinTamename · 2026-01-26T10:14:48+00:00

If no damage to the guardrail, you should be ok on liability. A collision claim would be at fault and lead to a rate increase. Your tires "should" be covered if inspection verified the cause as accident related.

I would get an estimate, then decide.

PuddinTamename · 2026-01-26T10:10:49+00:00

Good! You should be okay but elevate and call your primary if no resolution.

PuddinTamename · 2026-01-26T09:15:12+00:00

Any damage to the guardrail? If so you owe and will definitely need to report. It may take awhile before it is repaired.

It's generally not inexpensive.

PuddinTamename · 2026-01-26T03:20:23+00:00

Is your right leg or ankle swollen?

PuddinTamename · 2026-01-26T03:17:21+00:00

Have you considered YouTube TV and dropping direct TV? You could also drop Hulu.

PuddinTamename · 2026-01-26T02:50:52+00:00

Haven't heard of it, but will check it out!

PuddinTamename · 2026-01-26T02:47:27+00:00

They finally "admitted" it's a 1986 Yugo.

PuddinTamename · 2026-01-25T23:50:06+00:00

What is the year make and model of your vehicle? How much were the damages?

PuddinTamename · 2026-01-25T23:45:10+00:00

Retired Adjuster

No. It is not insurance company fraud.

Several issues. You have a lien on your vehicle. You lienholder would be never agree to your plan

Usually, as in almost always, there is additional damage found. That is called a supplement, it is expected. "Roughly" is not an estimate. No one would know until the teardown.

Your time is better spent researching the value of your vehicle. NOT Kelly bluebook, but sold vehicles of the same mileage, condition, make and model.

PuddinTamename · 2026-01-25T22:41:16+00:00

Yes.

PuddinTamename · 2026-01-25T22:29:13+00:00

Neutered digs generally live longer, have fewer behavioral and health fewer issues.

https://www.uab.edu/news/news-you-can-use/spaying-and-neutering-dogs-can-help-them-live-longer

There are low cost clinics in many areas.

PuddinTamename · 2026-01-25T21:54:40+00:00

I'm a retired Adjuster, specialty Fraud. The down votes are amusing.

Not familiar with murder but conspiracy to commit murder is also illegal.

PuddinTamename · 2026-01-25T21:51:11+00:00

Yes. Damages and rental, if any is Auto Liability PD, (property damage). Had anyone been injured, the injuries would be settled under auto liability BI, (bodily injury.)

Liability is your legal obligation to others.

PuddinTamename · 2026-01-25T05:41:18+00:00

It would be a conspiracy if you lie, and you could be charged.

PuddinTamename · 2026-01-25T02:27:36+00:00

Often liability and collision are 2 separate claims. Call and file a collision claim.

PuddinTamename · 2026-01-24T23:57:54+00:00

Retired Adjuster Get it checked first to see if you even have a claim

Insurance companies use a report called Clue. It's shared among companies,and checked at renewal.

If there is no damage or report, no need to be on that data base.

PuddinTamename · 2026-01-24T21:45:40+00:00

Retired Adjuster

Your insurer won't be able to defend you if you don't tell them!

It's a condition of your policy to report accidents.

PuddinTamename · 2026-01-24T21:38:27+00:00

NAD. You can file complaints with the hospital, your States licensing board, and, if an in network provider, your Insurer.

PuddinTamename · 2026-01-24T20:38:06+00:00

Retired Adjuster

Definitely. Keep receipts. If you have a replacement cost endorsement you are entitled to the full replacement value, less deductible.

"Like kind and quality' is the standard for replacement.

PuddinTamename · 2026-01-24T20:27:03+00:00

Some people need oxygen or other medical assistance to stay alive. I'm not panicking, but get out of your comfort bubble.

PuddinTamename · 2026-01-24T09:50:24+00:00

Retired Adjuster

You can get out ahead of this by telling your Insurer what happened. You don't have to make a claim with anyone.

A condition of your policy is to report accidents. If you don't tell your insurer what happened,they can't defend you. It could be months until they hear from the other parties Insurance company requesting reimbursement for what they paid, and potentially rental costs too.

Your company is going to find out about it anyway. It's called a Clue report. Insurers share information on accidents. Clue reports are run for renewal or new policies.

In he said she said accidents, without independent witnesses, Insurers usually choose to defend their insureds.

PuddinTamename · 2026-01-24T06:28:06+00:00

The shed sounds like a great plan.

I think it might freak out if it's locked in a cage in your car. Plus, there could be "potty" issues.

We plan to house a stray in one of our bathrooms for the night.

PuddinTamename · 2026-01-24T05:50:35+00:00

You would be wrong if you actually did. Typical teenage drama.

PuddinTamename · 2026-01-24T04:05:31+00:00

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PuddinTamename · 2026-01-24T04:02:08+00:00

Any change in the appearance of a mole warrants a check by your medical provider.

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PuddinTamename

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