Anyone else here have trouble with big insurers not clearly defining "occasional use" or mileage limits?
I get your point about local insurers being more personal, but honestly, I've had the opposite experience. Went local once thinking they'd be more transparent, and ended up with a policy that was vague as heck about "occasional use." When I tried to clarify, the agent just shrugged it off like it was no big deal. Switched back to a bigger insurer, and while the fine print was still annoying, at least their customer service reps were consistent. Guess it really depends on who you get...
Went local once thinking they'd be more transparent, and ended up with a policy that was vague as heck about "occasional use." When I tried to clarify, the agent just shrugged it off like it was no...
Yeah, I've seen this happen a lot. The term "occasional use" is intentionally vague—gives insurers wiggle room when claims pop up. Always best to get specifics in writing, even if the agent acts like it's no biggie...
Yeah, that's the thing—I've noticed local agents can be just as cagey as the big companies, if not more sometimes. Had one tell me “occasional” meant anything under 10 days a month, but wouldn't put it in writing. Makes you wonder who they're really looking out for...
That’s frustrating, and honestly, I’ve run into similar issues. I once tried to get a clear answer on what “pleasure use” meant for a second car, and the agent kept dodging specifics—just vague assurances. Makes me wonder if it’s a liability thing or if they just don’t want to commit. Has anyone actually gotten a local agent to put those definitions in writing, or is that just wishful thinking?
Never had anyone put it in writing for me, either. I’ve asked a couple of times and just got the same runaround—“pleasure use” means you’re not driving it to work every day, but what if I take it to the grocery store a few times a week? Or pick up the kids from soccer? Nobody wants to say for sure. I get that they probably don’t want to box themselves in, but as someone who’s trying to keep costs down, it’s kind of annoying not knowing what’ll get me in trouble if I ever have a claim.
Honestly, I’ve found the bigger companies are even more vague than the local folks, though. At least with the local agent, I can push a little and sometimes get a straight answer, even if it’s not in writing. Maybe it’s just a “cover their butt” thing, but it feels like they could be clearer. I just want to know what I’m paying for, you know?