Car insurance discussions and local services.
astronomy_joshua
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RE: Running out of gas and waiting forever for help
I’ve actually wondered about this too, since I just got my first insurance policy and now I’m paranoid about every possible claim. The idea of a gas can in the trunk kinda freaks me out - my luck, I’d end up with a leaky...
RE: What happens if your rideshare app is between trips and you get into an accident?
Yeah, this stuff is way more complicated than I expected. I’m just now looking into rideshare insurance and already feeling a bit overwhelmed. The idea of having to prove you were online at a specific second seems kind o...
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.
Honestly, I get what you’re saying about reading everything, but it’s kind of overwhelming for someone new to all this. I tried looking at my declarations page and half the stuff just confused me more. Like, shouldn’t “f...
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.
Is it just me, or does “full coverage” sound like it should be all-in, no questions asked? I’m shopping for my first policy right now and honestly, I thought if you paid for the top tier, you were set. Reading this makes...
RE: Little-known trick with Progressive’s roadside help
I get why people want both, but honestly, I’m just sticking with the digital card for now. My phone’s always on me, and I’d probably lose the paper one anyway. Haven’t run into any issues yet - maybe it’s different in so...
RE: is accident forgiveness really worth it in Ohio?
Honestly, I’ve been wondering the same thing. I’m just starting to shop around and it seems like most of the big names bump your rates even for tiny claims. A friend mentioned Erie was a little more chill, but I haven’t...
RE: Do you really need extra insurance for a rental in Montana?
Totally get this. I was in the same boat last month - felt like I needed a translator just to figure out what I was actually buying. Ended up paying extra, too, just because the “what if” scenarios kept running through m...
RE: stuck between Geico and Progressive in NY, thoughts?
That’s exactly what’s tripping me up. I’m about to pick my first policy and it’s like, do you go for the cheaper monthly rate and risk a headache if something actually happens, or pay more now hoping claims are easier? I...
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.
Yeah, I totally get what you mean about it feeling like a “what if” tax. I’m new to all this and honestly, the idea of paying out for something that might never happen does feel weird sometimes. But then you hear stories...
RE: Finally figured out how car insurance works in no-fault states
Dashcams definitely have their limits, but I'd still rather have one than not. Even if the angle isn't perfect, wouldn't having some footage be better than relying only on memory or eyewitnesses? I get what you're saying...
RE: Confused about insurance rules in South Dakota - help me figure this out
Mine didn't really ask anything weird, but they did seem oddly interested in my garage setup... something about detached vs. attached affecting rates? Is that a common thing or just another random insurer quirk?
RE: loaned your car in Missouri? better check your insurance coverage
Yeah, I'm new to this whole insurance thing and honestly had no idea permissive use was even a thing until recently. Makes me wonder what else I'm missing in the fine print... Do most insurers in Missouri handle this sim...