Car insurance discussions and local services.
aspen_whiskers
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Topics and replies this member has contributed.
RE: Do I really need extra insurance when renting a car in VA?
Honestly, I’ve rented cars in VA a bunch and never bothered with the extra insurance. My credit card supposedly covers most of that stuff, and I haven’t had any issues - knock on wood. I get the “loss of use” risk, but f...
RE: How is ACV not just a fancy way to pay us less?
I swear, it feels like those adjusters have a magic 8-ball they shake instead of actually reading what you give them. Did your friend ever try escalating it or was it just a dead end? I’m always half-expecting them to of...
RE: Do you really need extra insurance for a rental in Montana?
Extra Coverage Saved Me Once Couldn’t agree more. I used to roll my eyes at the “do you want extra insurance?” pitch at the counter, but after a deer decided to play chicken with my rental last winter, I’m a convert. ...
RE: Why does picking a deductible feel like a weird gamble?
Man, I feel this. I drive a ton for work and it’s like playing insurance roulette every year. One time I went three years without a scratch, then - boom - hailstorm plus a runaway shopping cart in the same week. I guess ...
RE: Are those price-checker sites actually reliable?
Never seen that “starting at” price in real life - feels about as real as my chances of winning the lottery. I’ve tried every trick, like maxing out the deductible and unchecking every extra, but the “deal” just crawls d...
RE: Insurance paid way less than what it cost me to replace my roof
I get where you’re coming from, but honestly, I’ve had decent luck with aftermarket parts - at least for stuff that isn’t directly tied to all the fancy sensors. Sometimes the OEM markup is just wild, and I swear half th...
RE: Are those price-checker sites actually reliable?
Haha, sounds about right. Once found a "great deal" myself, only to discover later it excluded commuting during rush hour... like, seriously? Guess I'm supposed to teleport to work now. Always worth double-checking!
RE: Finally figured out how car insurance works in no-fault states
Haha, ain't that the truth. Had an insurance company push aftermarket parts after my fender bender last year. I tried pushing back gently, but they weren't budging, so I rolled with it. Honestly, the bumper fit fine, but...
RE: Insurance headaches for risky drivers in NC - stick with big names or go local?
Gotta say, my experience was kinda opposite. Went local once thinking I'd get better service, but when I actually needed help after a fender-bender, it was like pulling teeth. Took forever to get someone on the phone, an...
RE: just saw a story about a guy in Kansas whose car got totaled by hail, and turns out his insurance didn't cover it.
A trampoline, huh? That's a new one for me. My closest call was actually with a porta-potty - no joke. Parked downtown during some street festival, and a sudden gust of wind sent one rolling right toward my car. It stopp...
RE: Confused about Illinois car insurance rules - anyone else?
Haha, hieroglyphics is right... Last time I renewed, I swear I needed a Rosetta Stone just to figure out what coverage I actually had. One trick I've found helpful is calling the insurer directly and asking them to walk ...
RE: keeping your vintage ride running smooth on long trips
Haha, been there myself - nothing like breaking down at dusk in the middle of nowhere to teach you a lesson. I keep a similar stash in my old Triumph, plus a roll of duct tape and a flashlight (trust me, you'll thank you...
RE: Stuck Between State Farm and Farm Bureau - Which One's Better?
Totally agree about the agent thing making or breaking the experience. Had State Farm a while back and honestly, the company was fine, but my agent was like talking to a brick wall - zero personality and always seemed an...
RE: how bad does a DUI mess up your insurance in CA?
Buddy of mine went through that a while back - said his premiums shot up like crazy. He joked he could've leased a Ferrari for what he was paying. Did your friend already shop around for better rates?
RE: nebraska SR-22 insurance driving me nuts
Honestly, I dunno about it getting easier...mine felt like a clingy ex - quiet for a bit, then popping up randomly just to remind me it's still there. Eventually you just learn to roll your eyes and move on.