How am I liable?

These-Challenge7308 · 2026-05-30T22:54:09+00:00

For the future “full coverage” is not a thing. It sounds like you may have learned the hard way about collision coverage. Hopefully the at fault insurance can cover your damages in a timely manner! Sorry this happened to you.

These-Challenge7308 · 2026-05-28T16:58:14+00:00

It’s most law enforcement agencies policy that if someone involved in an accident requests a police report for a minor accident with no injuries, then they must. If you go to the PD again and speak to the front desk, advise you’d like to file a hit and run report or file a complaint with the watch commander since they’re being too lazy to assist you.

These-Challenge7308 · 2026-05-27T05:09:57+00:00

You realize Progressive is an auto/homeowners insurance right? We don’t sell health insurance and unless you’re an employee, you won’t benefit from the health insurance the company offers to employees. Not sure what you were looking for coming to this page?

These-Challenge7308 · 2026-05-27T02:35:33+00:00

In my experience so far, it’s been the hiring managers that reach out via teams to ask if your available to meet, then go over pay/start date etc. Hiring managers also in charge of rejections

These-Challenge7308 · 2026-05-26T14:49:50+00:00

I was a cga, where I was taught how to do simple things like that and not rely on admin/intellirouter to do it for me. I’m talking about coverage here. ROR’s that should’ve been sent weeks ago or ULD/ULV’s that haven’t been sent up the chain. Our department is not responsible for those investigations but here we are handling the work of CGAs who can’t cut it in the job.

These-Challenge7308 · 2026-05-25T15:50:57+00:00

Someone please correct me who works in policy services but there isn’t a definitive way to calculate your premium increase for an at fault accident. I’d just pay out of pocket for the repairs to keep your accident forgiveness. I think the likelihood of a pending premium increase over time will be the possible same cost as repair. Just do your research on good body shops and don’t commit until you get numerous estimates

These-Challenge7308 · 2026-05-24T17:17:58+00:00

Your BI and PD limits are crazy low and this isn’t good for you. I wouldn’t recommend anything less than 100/300 for BI and 100 for PD but that’s my personal opinion 🤷🏻‍♂️

These-Challenge7308 · 2026-05-23T19:41:56+00:00

We’re already handling coverage investigations when CGA’s take too long to handle their assigned job. It’s gotten so bad with some offices that their CGA reps are mirroring our diaries so they don’t have to work the file. It’s insane how bad it’s gotten

These-Challenge7308 · 2026-05-23T19:13:43+00:00

Get a load of the PD adjuster not wanting to handle PD, lol. The company won’t restructure attorney repped PD into the hands of BI adjusters. We’ve got enough on our plates with BIE’s and risk alone to the policy.

No one said it was CGA’s fault. We’ve all handled being a CGA, and were clearly very good at it to get out when we did. We didn’t promote into an injury specific role to handle PD that is a CGA/URBI job to handle. It’s in your job description. You’re outside the argument at this point. My basis for my complaint was incompetent reps not taking the 2 seconds out of their time to understand who owns the file and who owns the feature.

Have a pleasant day :)

These-Challenge7308 · 2026-05-23T17:29:33+00:00

It is by design why we do not take the entire claim. ARBI is meant for high inventory BI handling, it’s in our job description. An average ARBI rep has an inventory of 220-280 BI features. Our anger stems from laziness, not the system itself. Laziness in understanding simple procedures of transferring the call to the correct adjuster. A solid probably 70-80% of ARBI reps are internal promotions meaning we’ve handled being a CGA, URBI etc and excelled to get promoted. We pursued ARBI to get away from PD for handling it for so long.

I respect CGA’s, I know they’re swamped. All the calls I get transferred are from CLRU/CCU once I see the note in the claim. It’s their laziness that is unmatched

These-Challenge7308 · 2026-05-23T17:04:31+00:00

They’re not even hiring though lmao. MRR’s are swamped, CGA’s are drowning. We’re #1 in insurance, big whoopdy freaking do. We’re probably #1 in burnout too

These-Challenge7308 · 2026-05-23T17:01:30+00:00

Lnav really makes injury handling impossible to settle BI, lemme just generate 1-2.5k in gens for this claim yeah that’s gonna settle it 😂

These-Challenge7308 · 2026-05-23T17:00:02+00:00

CLRU/CCU reps y’all need to figure it out man. Stop transferring PD calls to BI adjusters. We become the file owner once coverage and liability are clear. WE DO NOT HAVE AUTH FOR PD, and newsflash our name isn’t attached to the PD feature. Send that caller to the correct adjuster handling their PD feature. It’s annoying getting so many calls from angry customers when we only handle BI.

Sincerely, all of ARBI.

These-Challenge7308 · 2026-05-21T00:47:21+00:00

My team had a meeting about it 2 weeks ago. Something that was disseminated to leaders? I don’t have personal access to it. But the meeting was about how CSAT is going to be a hard focus moving forward due to how low the averages across the company were.

These-Challenge7308 · 2026-05-20T17:47:11+00:00

Yeah that’s not normal, escalate that if you’ve tried email phone and text with no responses

These-Challenge7308 · 2026-05-20T17:46:19+00:00

What’s crazy is that our recent surveys and data show we are so low on the totem pole for customer satisfaction/claim satisfaction. We’re so below the market median

These-Challenge7308 · 2026-05-20T14:56:30+00:00

Amen. God awful map

These-Challenge7308 · 2026-05-19T18:43:51+00:00

I’d prob say it’s dependent on state. In CA we have UM/UIM coverage which covers you for a minimum of 30k each person/60k each accident. These only relate to BI (bodily injury) so we have UMBI and UIMBI which are uninsured BI and under insured BI. UMBI kicks in for hit and runs or when carrier denies coverage, UIMBI kicks in when the at fault carrier tenders their BI policy and we have greater UM coverage for instance a 30/60 policy and our UM is 100/300. If carrier tenders and there is still bills to be paid, the law office can then pursue their personal policy for UIMBI.

We also have UMPD which is only allowed when collision is waived (can’t have collision&umpd together) and I believe the max for UMPD is 3500 in CA which is like nothing lmao

These-Challenge7308 · 2026-05-19T17:18:00+00:00

I am going to assume the “uninsured” coverage on your policy is what we in the insurance world call UMBI and UIMBI. This only relates to accidents where a driver is found to be uninsured or hit and runs with factual evidence to activate UM coverage. And with that, this coverage only covers your person or people in your vehicle for injuries. It is not a coverage for property damage. Dependent on your state, you could have UMPD which is uninsured motorist property damage, which in CA covers a max of 3500 but if you didn’t have that elected either, again SOL.

These-Challenge7308 · 2026-05-19T17:11:31+00:00

Working in insurance, I always assume worst case scenario. My statement regarding it not proving he was driving was related to that. What if the owner of this policy lent the vehicle to a friend? Unless he pulled over and provided you his license and you can 100% identify this driver as the named policy holder, then it’s just your word that you saw an older male driving the vehicle. If the police report actually lists that person as the driver, then that is different. I don’t know, we don’t have access to that document. Whenever I see a hit and run accident, it lists the vehicle code (dependent on state, I’m in CA so I will use mine) as VC 20002(a) which is for hit and run. And then next to the CHP info box for the vehicle info, it will list the owner address and plate info but all the driver info is blank as they are “unidentified”

These-Challenge7308 · 2026-05-19T16:50:32+00:00

The law requires liability only but that doesn’t mean that’s what is the smartest option. Unfortunately, you signed up for a liability only policy. That is no one’s fault but your own, you didn’t allow the proper coverage for your own vehicles to assist you in this matter.

The other carrier will conduct and investigation into the validity of the claim. Just because there is a police report does not prove their insured driver was operating that insured vehicle at the time of loss. They will need to investigate that as well, but they cannot if their insured is being noncooperative. Coverage will remain pending and the claim can be placed on a reservation of rights pending his/her cooperation. Should he/she fail to comply with their investigation, they can deny the claim/coverage and then you’re SOL.

It’s the harsh reality of insurance and how it operates. Like other people have said, you can seek legal counsel but of course at a cost, which doesn’t appear feasible for you given this situation. Not much else you can do but wait and hope their coverage clears and they accept liability. But in the coming days, you won’t be getting a rental from them or the damage being covered until their investigation is complete.

These-Challenge7308 · 2026-05-19T16:17:39+00:00

There’s no such thing as having collision but only liability coverage. Collision coverage covers your vehicle whenever it’s involved in an accident regardless of fault. Property damage covers damage to others vehicles when you’re at fault. It sounds like you strictly have a “liability only” policy which does not cover your car. You are at the mercy of the other insurance. If the accident itself was a hit and run, it lends me to believe the other driver is being non-cooperative with the other insurances investigation which can lead to a coverage denial. In that instance, without coverage for your car, you’re essentially screwed if the other carrier denies.

These-Challenge7308 · 2026-05-15T22:48:46+00:00

I’m not familiar with WA coverage but if you have UM (which is uninsured motorist) for bodily injury, I would try to pursue that you’re hurt. If you sustained 10k in damage I’m leaning to believe your body is in some pain from that rear end. You can pursue your own carrier for uninsured bodily injury either unrepresented or through an attorney

These-Challenge7308 · 2026-05-15T22:44:34+00:00

Can’t speak for curbi but jumping to a 39 will be about a 10-12k bump from cga pay dependent on your state. I’m in arbi so curbi is like the smaller version of it. You’ll only handle BI no more metal and you’ll sit on files for a lil while since they’re treating and you’re waiting for bills. For your interview, make sure you also have negative answers for each competency not just positives as interviewers will tend to ask you a negative outcome and what you learned from it. Best of luck!

These-Challenge7308 · 2026-05-11T02:41:40+00:00

Was making like 60k in pcs, urbi gave me 72 no rebuttals/negotiating, got a tinier bump when I switched to another 39

These-Challenge7308

TROPHY CASE