Couldn't agree more about keeping records—insurance companies love to play the waiting game, hoping you'll just give up or forget details. I've had my fair share of run-ins (yeah, my driving record isn't spotless), and one thing that's helped me is being proactive about repairs. If it's minor damage, sometimes getting a quote from a local mechanic first can save you from inflated estimates insurance-approved shops might throw your way. Also, don't be afraid to push back if their offer seems low. I once had an adjuster try to lowball me on a bumper replacement, but after showing them two independent quotes I'd gotten myself, they quickly upped their offer. Bottom line: insurance companies aren't your friends—they're businesses looking out for their bottom line. You've gotta advocate for yourself and stay sharp...or they'll happily shortchange you.
Totally with you on getting independent quotes. Last year, someone dinged my side mirror in a parking lot—nothing major, but insurance's "preferred" shop quoted me almost double what my local guy did. Makes you wonder who's really benefiting from those partnerships...
