Can definitely vouch for that. Worked a few claims involving local Hawaiian insurers, and from what I've seen, they're generally more understanding ab...

Totally agree on the map thing—GPS is awesome until it's suddenly not. Had a claim once from someone who swerved into a ditch trying to follow their p...

You're right that insurers lean heavily on location and their own internal data, but honestly, I think the military discount angle might be a bit over...

Couldn't agree more. I've handled claims from both military-specific and mainstream insurers, and honestly, the differences aren't always huge. It rea...

Geico's usually pretty solid, but Progressive's not bad either. Had a claim with them last winter—took maybe a day longer than Geico did for you, but ...

Yeah, sometimes smaller insurers can be surprisingly flexible. Big companies like State Farm and Farm Bureau usually have stricter underwriting guidel...

Yeah, that's definitely a tricky one. From what I've seen, insurers usually define "off-road" pretty specifically in the fine print—like intentionally...

Good points about liability coverage—seen plenty of claims where people underestimated that. But honestly, rental company insurance can get pricey fas...