# Insurance **URL:** https://forum.leasehackr.com/c/ask-the-hackrs/insurance/24.md [Latest](https://forum.leasehackr.com/latest.md) · [Categories](https://forum.leasehackr.com/categories.md) · [Tags](https://forum.leasehackr.com/tags.md) --- ## [About the Insurance category](https://forum.leasehackr.com/t/about-the-insurance-category/382886)
**Author:** [@michael](https://forum.leasehackr.com/u/michael)\ **Replies:** 5\ **Last updated:** [May 5, 2026, 8:45pm UTC](https://forum.leasehackr.com/t/about-the-insurance-category/382886 "2026-05-05T20:45:27Z")
Ask your vehicle insurance questions here! --- ## [BMW windshield replacement](https://forum.leasehackr.com/t/bmw-windshield-replacement/785947)
**Author:** [@Fatusr](https://forum.leasehackr.com/u/Fatusr)\ **Replies:** 8\ **Last updated:** [October 13, 2026, 2:29pm UTC](https://forum.leasehackr.com/t/bmw-windshield-replacement/785947 "2026-10-13T14:29:58Z")
Does bmw lease mandate using bmw oem windshield replacement? The bmw dealer gave 6k quote for ix. Not sure if insurance covers this price if Safelite is cheaper. --- ## [Waiting on July Volvo data](https://forum.leasehackr.com/t/waiting-on-july-volvo-data/770839)
**Author:** [@George\_Maroun](https://forum.leasehackr.com/u/George_Maroun)\ **Replies:** 5\ **Last updated:** [August 6, 2026, 2:10am UTC](https://forum.leasehackr.com/t/waiting-on-july-volvo-data/770839 "2026-08-06T02:10:39Z")
As of this writing, the rate finder data has not been updated for Volvo, July 2026 --- ## [Geico is terminating my insurance after a not at fault accident](https://forum.leasehackr.com/t/geico-is-terminating-my-insurance-after-a-not-at-fault-accident/506980)
**Author:** [@holonk](https://forum.leasehackr.com/u/holonk)\ **Replies:** 72\ **Last updated:** [July 28, 2026, 1:55pm UTC](https://forum.leasehackr.com/t/geico-is-terminating-my-insurance-after-a-not-at-fault-accident/506980 "2026-07-28T13:55:27Z")
Hello, I live in Brooklyn, NY and leased a Volvo XC40 6 weeks ago. I have Geico auto insurance and I pay $170/month. Someone rear ended my car a month ago. They admitted their fault and paid for the damages of my car. A… --- ## [Bmw I5 accident by hit and run, Insurance car total lost](https://forum.leasehackr.com/t/bmw-i5-accident-by-hit-and-run-insurance-car-total-lost/639820)
**Author:** [@amif21298](https://forum.leasehackr.com/u/amif21298)\ **Replies:** 18\ **Last updated:** [July 28, 2026, 1:52pm UTC](https://forum.leasehackr.com/t/bmw-i5-accident-by-hit-and-run-insurance-car-total-lost/639820 "2026-07-28T13:52:25Z")
This is the first time I lease car. My car accident in 11/2024. My progressive insurance tell me my car was total lost. I paid the lease every month until now . What i need to do now? --- ## [Volvo was rear ended. What happens if i dont use a certified shop?](https://forum.leasehackr.com/t/volvo-was-rear-ended-what-happens-if-i-dont-use-a-certified-shop/767456)
**Author:** [@penone](https://forum.leasehackr.com/u/penone)\ **Replies:** 3\ **Last updated:** [June 15, 2026, 1:39pm UTC](https://forum.leasehackr.com/t/volvo-was-rear-ended-what-happens-if-i-dont-use-a-certified-shop/767456 "2026-06-15T13:39:25Z")
I was rear ended last week and other drivers insurance accepted full liability. I spoke with Volvo Financial and they tell me that I must use a Volvo certified shop and OEM parts. None of the shops in the insurance compa… --- ## [Hyundai Lease Insurance Requirements vs State Minimums](https://forum.leasehackr.com/t/hyundai-lease-insurance-requirements-vs-state-minimums/765185)
**Author:** [@Joesport2332](https://forum.leasehackr.com/u/Joesport2332)\ **Replies:** 7\ **Last updated:** [May 31, 2026, 1:29am UTC](https://forum.leasehackr.com/t/hyundai-lease-insurance-requirements-vs-state-minimums/765185 "2026-05-31T01:29:05Z")
Leasing a new Ioniq 5 and noticed a discrepancy with the lease contract and the other paperwork we were given. The lease contract noted that we need to carry the state minimum for bodily injury and property damage, which… --- ## [Wheels and Tire Insurance](https://forum.leasehackr.com/t/wheels-and-tire-insurance/730208)
**Author:** [@felixfooks](https://forum.leasehackr.com/u/felixfooks)\ **Replies:** 21\ **Last updated:** [May 5, 2026, 9:11pm UTC](https://forum.leasehackr.com/t/wheels-and-tire-insurance/730208 "2026-05-05T21:11:27Z")
Has anyone had experience with insurance for wheels and tires? I’ve had it before and it worked out great! This time around, they charge a $50 deductible for a tire change. Never had that before, and dealer didn’t say a… --- ## [Polestar insurance](https://forum.leasehackr.com/t/polestar-insurance/762167)
**Author:** [@Seegs1021](https://forum.leasehackr.com/u/Seegs1021)\ **Replies:** 1\ **Last updated:** [May 15, 2026, 12:21am UTC](https://forum.leasehackr.com/t/polestar-insurance/762167 "2026-05-15T00:21:07Z")
Hi I’m in NY and have been paying a fortune for my Polestar 3 insurance. My umbrella policy didn’t cover it and then had to find a seperate group. Ended up with Plymouth at 244/month. Any suggestions appreciated! --- ## [Anyone have a stellantis lease get totaled?](https://forum.leasehackr.com/t/anyone-have-a-stellantis-lease-get-totaled/761133)
**Author:** [@bb86](https://forum.leasehackr.com/u/bb86)\ **Replies:** 7\ **Last updated:** [May 9, 2026, 12:54am UTC](https://forum.leasehackr.com/t/anyone-have-a-stellantis-lease-get-totaled/761133 "2026-05-09T00:54:40Z")
Wondering about process, gap, and payments. Think I will be covered but wondering if they pay them more than the payoff if they (stellantis) still come after me for deductible. --- ## [Switching car insurance from my dad to me](https://forum.leasehackr.com/t/switching-car-insurance-from-my-dad-to-me/755553)
**Author:** [@Josephcamry](https://forum.leasehackr.com/u/Josephcamry)\ **Replies:** 7\ **Last updated:** [May 5, 2026, 8:47pm UTC](https://forum.leasehackr.com/t/switching-car-insurance-from-my-dad-to-me/755553 "2026-05-05T20:47:02Z")
My car is financed in my dads name with the insurance in his name, I would like to put the insurance in my name. I don’t have stable income to refinance in my name. Any suggestions? Thank you! --- ## [2 month old ioniq 5 - Claim related question](https://forum.leasehackr.com/t/2-month-old-ioniq-5-claim-related-question/723318)
**Author:** [@siddharth](https://forum.leasehackr.com/u/siddharth)\ **Replies:** 22\ **Last updated:** [May 5, 2026, 8:44pm UTC](https://forum.leasehackr.com/t/2-month-old-ioniq-5-claim-related-question/723318 "2026-05-05T20:44:35Z")
Hi hackers! I was rear ended last night on a freeway. The car in front of me came to an immediate stop and I managed to stop without rear ending that car but the car behind me couldn’t stop in time. My body shop guy te… --- ## [EV insurance company recommendations](https://forum.leasehackr.com/t/ev-insurance-company-recommendations/755952)
**Author:** [@nikturo22](https://forum.leasehackr.com/u/nikturo22)\ **Replies:** 0\ **Last updated:** [April 9, 2026, 3:27am UTC](https://forum.leasehackr.com/t/ev-insurance-company-recommendations/755952 "2026-04-09T03:27:36Z")
For EV owners in New Jersey — which insurance company has been the best for you in terms of price + claims experience? GEICO was great experience but became pricey Progressive was bad customer experience - when I wa… --- ## [Canceling Wheel Protection](https://forum.leasehackr.com/t/canceling-wheel-protection/745468)
**Author:** [@BasedGod](https://forum.leasehackr.com/u/BasedGod)\ **Replies:** 3\ **Last updated:** [February 25, 2026, 5:35pm UTC](https://forum.leasehackr.com/t/canceling-wheel-protection/745468 "2026-02-25T17:35:55Z")
I’m about 20 days into a 24-month lease. I rolled a Sonsio protection package into the lease for $2,200 (tire/wheel + cosmetic, etc.) with tax and interest its $2600. I’m within the cancellation window and was told My … --- ## [EQS 450 SUV totaled?](https://forum.leasehackr.com/t/eqs-450-suv-totaled/745085)
**Author:** [@redevil147](https://forum.leasehackr.com/u/redevil147)\ **Replies:** 2\ **Last updated:** [February 22, 2026, 9:24pm UTC](https://forum.leasehackr.com/t/eqs-450-suv-totaled/745085 "2026-02-22T21:24:55Z")
Hit and run on the tollway way at 70mph + …part of the frame bent in and is rubbing against the tire. what do yall think? Will insurance total this? --- ## [Polestar 3 lease gap insurance](https://forum.leasehackr.com/t/polestar-3-lease-gap-insurance/713496)
**Author:** [@Teebis](https://forum.leasehackr.com/u/Teebis)\ **Replies:** 10\ **Last updated:** [February 11, 2026, 6:31pm UTC](https://forum.leasehackr.com/t/polestar-3-lease-gap-insurance/713496 "2026-02-11T18:31:40Z")
Hi all. About to lease a new Polestar 3, but unsure if gap is included in the lease. My auto insurance only offers new car replacement coverage for the first year, and worried about year two on a lease where everything … --- ## [Struggling to find CAR Insurance!](https://forum.leasehackr.com/t/struggling-to-find-car-insurance/519198)
**Author:** [@saddler125](https://forum.leasehackr.com/u/saddler125)\ **Replies:** 33\ **Last updated:** [November 25, 2025, 7:32am UTC](https://forum.leasehackr.com/t/struggling-to-find-car-insurance/519198 "2025-11-25T07:32:57Z")
Hi, Can someone please help me and recommend me some Insurance companies for leased cars? I was about to leave the country and go on a trip and all my plans got cancelled before I left and I cancelled my policy for my … --- ## [BMW iX Ultimate Care Plus](https://forum.leasehackr.com/t/bmw-ix-ultimate-care-plus/719698)
**Author:** [@vk59](https://forum.leasehackr.com/u/vk59)\ **Replies:** 7\ **Last updated:** [October 4, 2025, 4:12am UTC](https://forum.leasehackr.com/t/bmw-ix-ultimate-care-plus/719698 "2025-10-04T04:12:54Z")
Hi Hackrs, Is it worth taking ultimate care plus package on ix lease? The dealer is offering one for $1500 for a 3-year lease. --- ## [Lease car totaled : did single one time payment](https://forum.leasehackr.com/t/lease-car-totaled-did-single-one-time-payment/620562)
**Author:** [@MrChiltu](https://forum.leasehackr.com/u/MrChiltu)\ **Replies:** 5\ **Last updated:** [September 12, 2025, 3:25pm UTC](https://forum.leasehackr.com/t/lease-car-totaled-did-single-one-time-payment/620562 "2025-09-12T15:25:48Z")
Nov 2023 lease Kia Niro EV (2024 model) for about $8000 single Payment for 36 months. About a week ago car got hit by another car and got totaled. Police told we were at fault. Insurance came back yesterday with total… --- ## [Progressive not willing to repair my vehicle , COLORADO](https://forum.leasehackr.com/t/progressive-not-willing-to-repair-my-vehicle-colorado/701573)
**Author:** [@py2875](https://forum.leasehackr.com/u/py2875)\ **Replies:** 8\ **Last updated:** [August 6, 2025, 5:35pm UTC](https://forum.leasehackr.com/t/progressive-not-willing-to-repair-my-vehicle-colorado/701573 "2025-08-06T17:35:25Z")
Hello all I will try to make this as short as possible. My wife was at fault driving our leased vehicle that we got in Feb 2025. The accident happened in April and has been in the body shop since the beginning of May, so… --- ## [Storage insurance for Volvo and Audi lease](https://forum.leasehackr.com/t/storage-insurance-for-volvo-and-audi-lease/701465)
**Author:** [@Vergil](https://forum.leasehackr.com/u/Vergil)\ **Replies:** 2\ **Last updated:** [August 6, 2025, 3:45am UTC](https://forum.leasehackr.com/t/storage-insurance-for-volvo-and-audi-lease/701465 "2025-08-06T03:45:56Z")
Suppose I will be away for 2 months, can I call my insurance company to get a storage discount? I have a Volvo lease and an Audi lease. However, my concern is that it generally seems to me that you are supposed to have f… --- ## [SoCal Insurance](https://forum.leasehackr.com/t/socal-insurance/698933)
**Author:** [@notyourdealmine](https://forum.leasehackr.com/u/notyourdealmine)\ **Replies:** 10\ **Last updated:** [July 31, 2025, 9:12pm UTC](https://forum.leasehackr.com/t/socal-insurance/698933 "2025-07-31T21:12:42Z")
Hey All Tesla insurance is an absolute joke, I’ve been on hold for over 2 hours. Who are you getting the best rates through on higher end cars? Such as Range Rover, BMW M and Porsche. Thank you! --- ## [Insurance locality question](https://forum.leasehackr.com/t/insurance-locality-question/660640)
**Author:** [@bunnny](https://forum.leasehackr.com/u/bunnny)\ **Replies:** 8\ **Last updated:** [July 5, 2025, 11:34am UTC](https://forum.leasehackr.com/t/insurance-locality-question/660640 "2025-07-05T11:34:03Z")
Hello everyone. I own a property in upstate New York but live and work in NYC. The financial burden of maintaining both places has become significant, and the high cost of living has started to have adverse consequences… --- ## [Gap Insurance or Gap waiver on Nissan Lease](https://forum.leasehackr.com/t/gap-insurance-or-gap-waiver-on-nissan-lease/327600)
**Author:** [@ss5427](https://forum.leasehackr.com/u/ss5427)\ **Replies:** 22\ **Last updated:** [January 17, 2021, 8:34am UTC](https://forum.leasehackr.com/t/gap-insurance-or-gap-waiver-on-nissan-lease/327600 "2021-01-17T08:34:51Z")
Good day Hackrs! So I am about to close on a Nissan Rogue lease. This is my first car so wanted to be sure I am clear on all the terms. My question about GAP insurance or Waiver. I was recommended to get a GAP insuranc… --- ## [Lease in accident with no collision coverage](https://forum.leasehackr.com/t/lease-in-accident-with-no-collision-coverage/610203)
**Author:** [@lkelly221](https://forum.leasehackr.com/u/lkelly221)\ **Replies:** 100\ **Last updated:** [January 17, 2025, 4:16pm UTC](https://forum.leasehackr.com/t/lease-in-accident-with-no-collision-coverage/610203 "2025-01-17T16:16:26Z")
I’m in PA and leased a 2022 Toyota Highlander xse the lease ends in March. I was in a hit and run accident a month ago and found out that I did not have collison or comprehensive coverage on the car. When I talked to the… --- ## [Returned my lease-when should I cancel car insurance?](https://forum.leasehackr.com/t/returned-my-lease-when-should-i-cancel-car-insurance/250161)
**Author:** [@Badger25](https://forum.leasehackr.com/u/Badger25)\ **Replies:** 5\ **Last updated:** [June 19, 2025, 10:14pm UTC](https://forum.leasehackr.com/t/returned-my-lease-when-should-i-cancel-car-insurance/250161 "2025-06-19T22:14:52Z")
Hi all, I just got back from dropping off my ‘17 Accord to the dealership. It was a contactless return and the car will sit in the open lot until they process it sometime next week. Should I cancel my car insurance toda… --- ## [Looking for input on my insurance cost — does this seem reasonable?](https://forum.leasehackr.com/t/looking-for-input-on-my-insurance-cost-does-this-seem-reasonable/685349)
**Author:** [@vespan23](https://forum.leasehackr.com/u/vespan23)\ **Replies:** 2\ **Last updated:** [June 14, 2025, 4:01am UTC](https://forum.leasehackr.com/t/looking-for-input-on-my-insurance-cost-does-this-seem-reasonable/685349 "2025-06-14T04:01:57Z")
I’m currently paying $548/month for insurance on two leased vehicles: 2024 Mercedes-Benz EQB 250+ (MSRP ~$55k) 2024 Hyundai Ioniq 5 (MSRP ~$50k) Both cars are leased, so they require full coverage. Drivers on the pol… --- ## [GM/Chevy XS Wear and Tear Package for EV lease](https://forum.leasehackr.com/t/gm-chevy-xs-wear-and-tear-package-for-ev-lease/613057)
**Author:** [@Summer](https://forum.leasehackr.com/u/Summer)\ **Replies:** 4\ **Last updated:** [May 27, 2025, 9:44pm UTC](https://forum.leasehackr.com/t/gm-chevy-xs-wear-and-tear-package-for-ev-lease/613057 "2025-05-27T21:44:02Z")
For all those hackrs getting amazing Chevy Equinox and Blazer EV leases, I’d be interested to know how many are purchasing the XS Wear and Tear Package from Chevy. We were quoted $700 for a 24 month lease, and it Include… --- ## [Do JPM/Chase leases typically include GAP insurance?](https://forum.leasehackr.com/t/do-jpm-chase-leases-typically-include-gap-insurance/652927)
**Author:** [@Baseballpler](https://forum.leasehackr.com/u/Baseballpler)\ **Replies:** 4\ **Last updated:** [March 19, 2025, 5:13pm UTC](https://forum.leasehackr.com/t/do-jpm-chase-leases-typically-include-gap-insurance/652927 "2025-03-19T17:13:31Z")
Leasing a Tesla Model 3. I know leases thru Tesla include GAP, but mine is going thru JPM/Chase. If I remember correctly, Chase typically includes GAP in leases but was curious if anyone has any experience on their Tesla… --- ## [NJ insurance conundrum](https://forum.leasehackr.com/t/nj-insurance-conundrum/653608)
**Author:** [@OscarMadison](https://forum.leasehackr.com/u/OscarMadison)\ **Replies:** 17\ **Last updated:** [March 3, 2025, 6:25pm UTC](https://forum.leasehackr.com/t/nj-insurance-conundrum/653608 "2025-03-03T18:25:44Z")
Please help me figure out this problem. I live in NJ USA. I have a vehicle leased in my name. I want my adult son to use it as his while I continue to pay the lease. However, when shopping for auto insurance, they claim … [Next page](https://forum.leasehackr.com/c/ask-the-hackrs/insurance/24.md?page=1)