That’s spot on about uninsured motorist coverage—Houston’s just a different beast when it comes to risk. I’ve had friends get rear-ended by folks with no insurance, and it’s a nightmare sorting it out. Flooding’s a headache, but honestly, the traffic chaos here probably does just as much damage to premiums. Ever tried to dodge potholes in a ‘68 Mustang after a storm? Not for the faint of heart. I do wish classic policies were more transparent about what’s actually covered, though... those exclusions sneak up on you.
I do wish classic policies were more transparent about what’s actually covered, though... those exclusions sneak up on you.
Man, you’re not kidding about those exclusions. I’ve seen people think their classic was covered for flood, only to find out “actual cash value” means way less than they expected after a claim. Houston’s just rough—between the uninsured drivers and the weather, it’s like the perfect storm for higher rates. I always tell folks to read the fine print, but honestly, who really does until it’s too late?
I get what you’re saying, but honestly, I think people blame Houston’s weather and drivers a bit too much. I’ve had more issues with claim denials than actual accidents. Sometimes it feels like the real “risk” is just not knowing what loophole they’ll use next...
Sometimes it feels like the real “risk” is just not knowing what loophole they’ll use next...
That’s a fair point. I’ve noticed that too—navigating the fine print can be more stressful than actually driving in Houston traffic. I’ve had claims get delayed over technicalities, like missing a single document or not reporting within a certain window. It’s frustrating, especially when you’re already dealing with the aftermath of an incident. Honestly, I spend more time double-checking policy details than worrying about the weather or other drivers.
I’ve had claims get delayed over technicalities, like missing a single document or not reporting within a certain window.
Man, I hear you. Last year, I got rear-ended on 610 and thought I did everything right—photos, police report, the whole nine yards. Turns out I missed a tiny form the tow truck guy handed me, and that set my claim back weeks. It’s wild how much you have to watch for the paperwork more than the actual driving sometimes. Makes me wonder if they bank on us missing stuff just to save themselves money. Houston rates are high, but the hoops are even higher.
