That's a good perspective, especially the point about risk tolerance. I've personally seen friends drop collision coverage thinking their car wasn't worth much, only to find themselves in a tough spot after an accident.
"Seen plenty of folks regret skipping coverage to save a few bucks per month..."
Exactly this. Makes me wonder—does anyone know if insurance companies in Arkansas offer partial or limited collision coverage options for older vehicles? Might be a decent middle-ground solution...
I've wondered the same thing myself. A few years back, my old Corolla wasn't worth much, but I was still nervous about completely dropping collision coverage. My agent mentioned something called "limited collision," where you pay a bit less and accept some fault regardless of who caused the accident. Not sure if that's common in Arkansas, but it might be worth asking your insurer directly—could save you from a nasty surprise down the road...
Limited collision sounds interesting, but I'd be cautious—could accepting partial fault affect your driving record or future premiums? Might wanna double-check the fine print before jumping in... insurance companies always have their angles.
Good point—insurance companies definitely know how to spin things their way. I'd double-check if partial fault counts as an at-fault incident on your record... could quietly bump your premiums later. Better safe than sorry, right?
You're spot-on about insurance companies having their own special talent for spinning things. A few years back, I had a minor fender-bender—barely a scratch—and thought partial fault wouldn't be a big deal. Surprise, surprise... my premiums quietly crept up at renewal time. Lesson learned: even minor incidents can haunt your record. Definitely worth clarifying exactly how Arkansas insurers classify partial fault situations before assuming you're in the clear. Better to ask now than pay later, right?
