Car insurance discussions and local services.
art362
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RE: Temporary policy or household endorsement for renovation hauling?
One wrinkle with the “add it to the household policy” option is that ownership can decide whether it’s available at all. A borrowed vehicle may not qualify to be added, while a newly purchased one might. I’d check whethe...
RE: Bundling insurance with USAA: worth it or just hype?
Bundling sounded like a sweet deal when I first started driving, but honestly, the discount was barely enough to cover a couple of fast food runs. I tried adding my scooter to the mix, thinking maybe that’d tip the scale...
RE: When The Other Driver Has No Insurance And Dings Your Car
I kinda get what you mean about the rainy day fund. My dad’s always said, “If your car’s not worth much, why pay more for insurance than the car itself?” But then again, I had a friend who got rear-ended by someone with ...
RE: How did you feel after your first accident and dealing with insurance?
After my first fender bender, I was totally overwhelmed trying to figure out what paperwork the insurance folks wanted. I remember digging through a pile of random receipts in my glovebox, half of them faded or torn. Wis...
RE: Shelter vs. State Farm for home insurance in Missouri - any strong opinions?
I hear you on the policy language - sometimes I feel like I need a decoder ring just to figure out what’s covered. I remember reading through my parents’ policy and getting stuck on “appurtenant structures.” Like, does t...
RE: Do you really need extra insurance for a rental in Montana?
I rented a car in Bozeman last year and thought my credit card coverage would be enough, but I got nervous after seeing all the gravel roads. Ended up adding the rental company’s insurance at the counter, even though it ...
RE: Digital Forms Vs. Old-School Paper: Which Makes Claims Smoother?
I totally get this - there’s something about handing off a form to an actual person that just feels more legit. Last year, I had to file an appeal for a traffic ticket (rookie mistake, lol), and I did it online. The conf...
RE: anyone else feel like AAA insurance isn't what it used to be?
I actually tried Honk once when my car battery died in a Taco Bell parking lot (of course it would happen there). Took about 40 minutes, which honestly felt faster than the last time I called AAA. Not sure if that’s typi...
RE: Why I was surprised to learn Nebraska requires uninsured motorist coverage
Honestly, I get the “peace of mind” thing, but sometimes it feels like they’re just piling on fees. My cousin’s been driving for years and never needed to use uninsured coverage. Makes me wonder if it’s really worth it o...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
Never had a claim denied myself, but my cousin did - her boyfriend borrowed her car for a grocery run, got rear-ended, and the insurance company dragged their feet for months. They kept asking if he was a “regular driver...
RE: Do you really need extra insurance for a rental in Montana?
That’s so true. Last time I rented a car, the agent made the extra insurance sound like it was basically required - like, “You don’t want to get stuck with a $10k bill, right?” I almost caved just from the way she looked...
RE: Insurance paid way less than what it cost me to replace my roof
I get what you mean about it not being intentional, but sometimes it really does feel like they’re hoping people just throw in the towel. I remember when my neighbor had to replace his roof after a hailstorm - he was bur...
RE: anyone else feel like AAA insurance isn't what it used to be?
I totally get what you mean about the “better safe than sorry” thing, especially with a car that’s, let’s just say, not exactly a beater. I’m still pretty new to driving (just got my license last year), so I’m not rollin...
RE: How do they actually decide when a car is “totaled”?
I tried showing the adjuster all my oil change receipts and even a pic of the car after I detailed it, but yeah, didn’t really move the needle. It’s wild how little the “story” matters. Guess it’s just numbers to them.
RE: How do they actually decide when a car is “totaled”?
Yeah, I totally get the hesitation. My uncle once bought a car with a salvage title because it “just needed a new bumper,” but then he found out the alignment was way off and the airbags had been replaced with... nothing...