Totally get where you're coming from. A few years back, I went with the cheapest policy thinking I'd save some cash... until someone rear-ended me. Even in a no-fault state, dealing with vague terms and slow claims processing was a nightmare. Lesson learned the hard way, haha.
"Even in a no-fault state, dealing with vague terms and slow claims processing was a nightmare."
Yeah, cheaper policies usually cut corners somewhere—often clarity and customer service. I always read the fine print now... boring, sure, but beats learning the hard way!
Totally agree about the fine print thing—learned that lesson myself after a fender-bender last year. Thought I was covered for rental reimbursement, but turns out it was only partial coverage... ended up paying way more out-of-pocket than I expected. Now I always double-check exactly what's included, especially since my driving record isn't exactly spotless (oops).
One thing I've noticed is that even pricier policies can sometimes have vague wording or slow claims processing. Seems like it's not always about cost, but also about the company's reputation and how transparent they are upfront. I've found calling customer service before signing up helps a lot—if they're helpful and clear on the phone, that's usually a good sign.
Curious though, has anyone found certain companies better at handling claims quickly in no-fault states? Or is it pretty much luck of the draw no matter who you're with?
I've noticed some companies do handle claims faster, but it can vary even within the same company depending on your adjuster or local office. Have you found certain coverages or policy add-ons that seem to speed things up?
Yeah, I've noticed that too—seems pretty random sometimes. Wonder if adding rental reimbursement coverage helps speed things along? Maybe insurers prioritize claims differently when they're paying daily rental fees... Has anyone experienced that firsthand?
