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928 discussions
Is reduced UM/UIM worth the savings on a Georgia policy?
I’m comparing Georgia quotes for a household with two regularly driven vehicles, about 25,000 combined miles a year, including Atlanta-area commuting. The current liability limits are $100,000/$300,000 for…
Personal policy or rental damage waiver for a Nevada road trip?
I’m comparing coverage for renting a midsize SUV in Las Vegas and driving through Arizona, Utah, and California before returning it in Nevada. My personal auto policy lists:…
Does “full coverage” help when the engine fails without a crash?
My car stopped running while I was driving, but there wasn’t a collision, weather event, vandalism, or other outside damage. The initial diagnosis points to an internal mechanical…
Which Maine policy covers tools and materials carried in a pickup?
I’m trying to sort out a potential coverage gap before transporting home-improvement supplies in a pickup in Maine. If tools, lumber, fixtures, or other materials are damaged or…
Is rejecting UM coverage worth the savings for a daily commuter in Louisiana?
I’m reviewing my Louisiana auto policy after a commuting accident and trying to understand whether reducing or rejecting uninsured/underinsured-motorist coverage is a false economy. My policy currently shows…
Maryland pay-per-mile rules: mileage-only pricing or full driving scores?
If you’re considering pay-per-mile coverage, I’d separate mileage-only pricing from broader telematics programs before comparing quotes. A pay-per-mile policy may mainly use recorded mileage, while a driving-score program…
Preferred repair shop or independent shop after a collision?
I’m trying to figure out the real trade-off between using an insurer’s preferred collision shop and picking an independent shop after an accident. I know the claim might…
Is a Colorado hail claim worth filing for minor cosmetic damage?
If a Colorado hailstorm leaves mostly small dents in a vehicle, how do you decide whether to file a comprehensive claim or pay for repairs yourself? For example,…
Will dropping homeowners coverage reprice my multi-car auto policy?
We currently have two vehicles on one auto policy bundled with homeowners insurance. We’re considering moving the homeowners coverage to another insurer at renewal, while keeping both cars…
When is accident forgiveness worth paying for?
I’m trying to figure out when accident forgiveness actually pays off, especially after a minor at-fault collision. It seems like the choice is usually: - Pay for the…
