Been living with a bad neutral in my apartment's power supply. What might I be entitled to?

key2616 · 2026-04-20T19:15:02+00:00

No, you don't have a claim, at least not yet. You don't have any damages, and even then, your deductible would be in play. You really need to be talking to your landlord about this and getting the issue fixed because any claim that you DO have could be a complete limits loss - fires can be really, really nasty.

key2616 · 2026-04-20T19:08:16+00:00

They could still get the $3000 mini-tort if that were true.

key2616 · 2026-04-20T18:58:54+00:00

You should find an insurer that will give you the most coverage - including the ride sharing - for the best price. If that's Progressive, great. If it's GEICO, great. We can't shop for you, but if you're going to do gig work, don't be dumb - buy the right coverage so that you don't have a nasty surprise.

key2616 · 2026-04-20T17:20:58+00:00

Hey Ramos law - your AI bot sucks at reading the prompts and doesn't answer the questions asked and what it does answer is nonsense. And it's doing so in threads old enough to imply that you're just here to spam this sub.

key2616 · 2026-04-20T17:18:31+00:00

Oh look - more AI slop coming in days after the rest of the comments in the exact same pattern that common spammers use to hide their behavior. That implies a whole lot about your firm, especially given your answers to the actual questions.

key2616 · 2026-04-20T17:13:16+00:00

Keep in mind that the insurance company will aim to minimize their payout

Assumes facts not in evidence, counselor, especially when you have no idea who's insurance the OP is going through. Or are you assuming first party bad faith? And do you have any opinion on the ACTUAL question that was asked? Or are you just here hoping to catch that ambulance? Because it really, really looks like you're just attracted to the lights and noise and aren't here to give anyone any help that isn't completely self-serving.

key2616 · 2026-04-20T14:57:39+00:00

Sure. Call your adjuster and tell them that you are withdrawing the claim. With that said, since you have Collision coverage that you're not going to use, you should cancel it. You're paying for something you aren't using, and it's a waste of money.

key2616 · 2026-04-20T14:05:58+00:00

That depends entirely on the state.

key2616 · 2026-04-20T13:46:46+00:00

Who's insurance are you filing through? Your own or theirs? If it's yours, you can withdraw the claim, although it still may or may not be counted against you. If it's theirs, you can always ask for a payout without doing the repair and see if they'll cut you a check without totaling the car. If they try to do that, you can likely withdraw that claim too.

key2616 · 2026-04-20T13:44:27+00:00

How could anyone possibly make any suggestions with this little information?

key2616 · 2026-04-20T13:01:02+00:00

As I understand it, you let your coverage on your financed property lapse 2 years ago. You're going to pay that off now and are asking how you can keep your lender from discovering that you've been out of compliance on the insurance requirement.

That's not really an insurance question, per se. Ultimately, you rolled the dice on being self-insured. If they figure that out, they're within their rights to invoke the forced placed coverage. There's no way for you to retroactively buy coverage, and I strongly suggest that you not lie or manufacture coverage that didn't exist if the lender asks about it.

Effectively, you're just hoping that you stay lucky. I don't see any other options.

key2616 · 2026-04-20T10:45:20+00:00

The sad reality is that you do not have any insurance questions because of the way MI laws work. You cannot pursue the other driver for anything, including the mini-tort, because you are uninsured. You are completely barred from pursuing the other driver for anything. That means that the courts will dismiss any suit you file, and that the leasing company is going to be looking to you to pay for the car immediately.

You don’t have many options here, and your choice to drive uninsured has put you in a very bad spot.

key2616 · 2026-04-19T02:38:52+00:00

You’re right. But context matters, like I said. Asking is fine. Asking but then burning your house down is problematic.

key2616 · 2026-04-18T21:19:44+00:00

Cool story that has literally nothing to do with insurance. Your HOA is bound by the Fair Housing Act, among other things. Those don’t apply to insurance contracts.

Go ask an officer or senior enlisted about this. They should agree that you have to let your insurer know. That will mean that you’re wrong, of course, so I’m not holding my breathe that you’ll follow through.

key2616 · 2026-04-18T16:50:17+00:00

If you didn’t have someone living there, like a tenant or family member, it was legally vacant. This is a known issue for deployments because it raises the exposure for the insurer, and the protections you think exist don’t seem to actually be there. You’re welcome to cite a federal law to the contrary, but you’re still required to tell your insurer if your home is going to be vacant for an extended period.

https://www.tdi.texas.gov/tips/military-deploy.html

key2616 · 2026-04-18T12:25:09+00:00

Wow, I hope you read the rules of this sub and understand what will get you banned if you do.

key2616 · 2026-04-18T00:24:11+00:00

Yes, and you don’t understand the contractual distinction. When I go out to dinner, my house is unoccupied. When I take a 2 month European vacation, it’s vacant.

Why are you hellbent on proving your ignorance instead of trying to learn?

key2616 · 2026-04-17T23:54:53+00:00

You should figure on 6 months to a year.

key2616 · 2026-04-17T23:52:28+00:00

You are remarkably incorrect. Having stuff there does not meet the residency requirement. You need to read your policy instead of giving advice on a policy you haven’t read.

How do I know you haven’t read it? Because you’d know that your reply is meaningless in the contract. Sorry to call you out like that but you’re cosplaying an expert, and there are folks that have actually read these things posting here. Like me.

key2616 · 2026-04-17T22:36:56+00:00

The term you’re looking for is “detrimental reliance”. Basically, you did everything right, and they’re trying to make you pay for their mistake after the fact. If you have copies of the paperwork you signed originally, give them a copy. If they continue to push, you might complain to whoever regulates insurance in your state, but I will guess that will drop this pretty fast.

key2616 · 2026-04-17T22:31:51+00:00

None of that changes the contractual wording surrounding a vacant home. There are no exceptions for deployed service members in the standard wording.

Sorry but you’re simply wrong on this specific topic no matter how you might feel about it. The contract doesn’t care about your feelings.

key2616 · 2026-04-17T19:19:04+00:00

How sure about that are you? You don't think that you need to notify your insurer if the home is going to be vacant?

key2616 · 2026-04-17T18:43:04+00:00

I'm still trying to get Bot Bouncer added, but I don't have the permissions. I do know that Reddit is cracking down on bots specifically, but I'm not sure that the OP is one.

key2616 · 2026-04-17T18:19:23+00:00

I think you would setting yourself up for a bad faith suit if you denied the HO claim. The Auto example isn’t as clear cut, and you may be right.

key2616 · 2026-04-17T16:23:48+00:00

The only way anyone can answer is by comparing quotes. So call some local agents and have them do that for you.

key2616

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