architecture140
architecture140
@architecture140
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RE: Would you risk a higher deductible to lower your insurance bill?

I totally get that feeling—deductibles can be intimidating. I remember when my neighbor went with a super high deductible to save on premiums, thinkin...

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RE: Finding decent car insurance deals on the islands—my step-by-step

I get where you’re coming from. I’ve seen more than a few cars here with mysterious dents and dings—sometimes you never even find out what caused them...

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RE: Getting Lost in the Maze of Uber and Lyft Insurance Rules

Getting Lost in the Maze of Uber and Lyft Insurance Rules That bit right there... I can't tell you how many times I've heard folks say the same thi...

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RE: How I managed to stack discounts for military student drivers

You nailed it with the “PhD in paperwork” line—sometimes it really does feel like that’s the only way to get through. I’ve seen a lot of folks get tri...

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RE: What happens if your rideshare app is between trips and you get into an accident?

Yeah, the “Period 1” gap is a nightmare. I had a driver swear up and down he was covered, then got hit while just waiting for a ping—turns out his ded...

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RE: USAA vs State Farm: which claims process is less of a headache?

I’ve actually seen both sides of this. That line about “digging up baby photos and dental records” made me laugh—USAA does seem to want a small novel’...

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RE: Confused about insurance rules in South Dakota—help me figure this out

I’ve seen more than a few folks show up at the DMV with a paper card that’s basically a faded ghost of its former self—one guy even had his stuck to a...

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RE: Finding decent car insurance in Delaware without losing your mind

Funny thing, I’ve seen “comparable” mean everything from a tiny hatchback to a full-on pickup, depending on the adjuster’s mood or maybe just what’s a...

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RE: Why is figuring out how much car insurance you ACTUALLY need so confusing?

Man, I can’t tell you how many times I’ve had people come in thinking “full coverage” means their car is basically wrapped in bubble wrap. The terms a...

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RE: How do they actually decide when a car is “totaled”?

I hear you, but I’ve actually seen a few cases where maintenance records did make a difference—especially if you had something major done, like a new ...

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RE: Why does insurance cost more in Houston than Austin or Dallas?

I’ve had clients move from Austin to Houston and get sticker shock too. The weather thing is real—after Harvey, rates just never really came back down...

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RE: Deductibles and premiums—what's the real deal?

Deductibles and premiums—what's the real deal? That Chevelle sounds like a beauty. I totally get the “sleep easier” part—had a client once with a ’68...

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RE: bumped someone's car lightly, no visible damage—should I report?

Definitely seen that play out. Once had a guy call in about a shopping cart ding—barely a mark—and the adjuster treated it like a full-on collision. M...

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RE: Finally figured out how car insurance works in no-fault states

Funny you mention that... reminds me of a client I had last year. She kept hearing this faint clicking noise from under the hood, but it was so subtle...

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RE: Finally figured out how to stop worrying about roadside help running out

Had a similar wake-up call myself last winter. Thought I was being clever by relying solely on roadside assistance through my insurance—figured, hey, ...

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