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collision coverage has me totally confused - help?
Just got my first car and I'm trying to sort out insurance stuff. Collision coverage is kinda throwing me off...like, does it cover hitting a pole or just…
A punctured rental tire might be treated differently from a cracked windshield
How do rental-car damage waivers, personal auto policies, and credit-card benefits usually handle a tire puncture versus windshield damage? I’m especially curious whether a waiver excludes tires or…
Does OEM coverage still apply when manufacturer parts are back-ordered?
If a repair is covered and the shop says aftermarket parts are available, but the vehicle manufacturer’s parts are requested, how does an OEM-parts endorsement usually affect the…
my deductible just magically shrunk - anyone else had this happen?
So I was renewing my car insurance last week, and the agent casually mentions that my deductible has "vanished." I'm like, um, vanished? Apparently, because I've gone a…
How is rodent damage to car wiring treated under comprehensive?
If rodents chew wiring, what usually determines whether the repair may qualify under comprehensive coverage? I’m curious how an insurer distinguishes sudden, direct animal damage from wiring that…
Roadside Assistance: Lifesaver or Money Drain?
Been thinking lately about whether my roadside assistance membership is actually worth what I'm paying for it. Had a flat tire last year and they showed up pretty…
Do higher UM/UIM limits change the cost much?
How much difference do people see in a quote when bodily injury liability limits go up and uninsured/underinsured motorist limits are raised to match? I’m curious whether the…
How is PIP coordinated with workers’ comp after a work-related crash?
If someone is injured in a car crash while driving for work, which coverage is generally expected to handle medical bills first: PIP or workers’ compensation? I’m wondering…
Comprehensive and collision can still leave a loan balance
Comprehensive and collision cover damage to the car, but they don’t necessarily pay off the loan after a total loss. How do insurers generally calculate the settlement against…
Does underinsured coverage shrink when the other driver pays?
When comparing uninsured and underinsured bodily injury limits, is it more useful to match them, or to focus on having enough underinsured protection for a crash with someone…
