- Yeah, I hear you—mileage barely factors in unless you’re on a specialty policy. - Most standard insurers rate based on risk pools, not your actual...

You’re definitely not alone there. Here’s the thing—modern car tech (like sensors, cameras, radar, etc.) is great for safety, but yeah, it drives up r...

Yeah, those apps can feel a bit much. I’ve seen people get dinged for stuff that’s just normal driving—like sudden braking when someone cuts you off. ...

Here’s how I’d break it down from what I see in claims all the time: - Your regular car insurance might cover you, but not always for things like “lo...

Yeah, I’ve seen this happen more than you’d think. Sometimes it’s “covered,” but the response time is hours, or their service area is way smaller than...

Honestly, I see situations like your cousin’s more often than people think. Here’s the thing: - Minimum coverage in California is $15k per person for...

Honestly, you’re spot on about how draining it can get. I’ve seen people go back and forth for days over a pretty minor difference, and by the end, th...