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@poetricia You’re welcome! Only possibility of one or more accidwnts on your record is if you maintained coverage/insurance while living abroad and someone else was driving the insured vehicle and a claim was filed under that policy. Doesn’t sound like that’s the case though, either way you’ll...

@poetricia Start a dispute process with LexisNexis and ignore what everyone else may suggest, such as saying you’re somehow “mistaken” lol. Your CLUE records should also list a source for each record. You should also request your Verisk report as well, to make sure there’s no other evidence of...

@caymele I may be misinformed as I’m not aware of how that all works specifically in Texas. Typically in most cases salvage vehicles cannot be legally driven without having the title “rebuilt”, and after that are difficult to insure, with virtually no first-party property coverage. Again, I...

@caymele In your specific case, first make sure you provide documentation for all of this so the actual cash value can be made accurate. Perhaps it would be high enough so that the cost of repairs don’t meet that threshold. If it is indeed a total loss, you may want to consider buying it back as...

@babyboy Do you have auto insurance history? If not, that may be why.

@ka33 This sub has taught me a lot and although I don’t work directly in the industry, it’s helped me understand things in a way that improve my approach on what I do for a living with insurance tech. Kind of an end-to-end, “big picture” view of P&C.

@itsredd_mrrh3 So in my field/company, we’d be the tech partners implementing or servicing your backend systems for policy/rating, billing, claims, reporting, etc. I’ve worked on dozens of carriers and products (LOBs), but with one specific vendor technology (won’t say which, but Britecore is an...

@itsredd_mrrh3 Yes, it definitely is. I would assume you work with tech partners and data analytics in some capacity.

@android17ak47 I thought so but that sub has been private for a while.

@android17ak47 Thanks. My thoughts as well. I’d love to see people similar to the carrier customers I work with, but I never have online. They aren’t really C-suite execs as far as I’m aware (although we definitely do have those calls sometimes as they’re the ones signing multi-million SOWs with...

I’m talking about anyone who isn’t an agent/broker, adjuster/claims manager, or even underwriter (although I’ve seen few underwriters here). I’m been in InsurTech for almost 5 years with no experience in insurance prior to that, and primarily work with backend technologies for policy rating and...

@justmeoverhere That’s up to you, sounds like you should. It’ll theoretically take you 2.5 years to make it worth it in the event of a claim. Or you can shop around.

@yougetagoldstar This is why I always advise going through a third-party liability claim when possible. You need to take their advice and file a claim through the other party to have them cover the rental costs, including what you’ve already paid out of pocket, while your vehicle is in the shop...

@emmalove That might be true. From a technicality perspective it would be insurance fraud. It’s funny because your post reminded me of something from 8 years ago, when my Corolla was a total loss. I remember going to the car to grab my belongings, and I grabbed my factory-installed floor mats...

@peterbrent You either use your collision coverage, if you have it, or attempt to sue the thief in court.

@emmalove You’re technically talking about fraud in your second paragraph.