Car insurance discussions and local services.
AutoMike_78
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Topics and replies this member has contributed.
RE: Letting Friends Borrow Your Car in NY - What Insurance Actually Covers?
I get what you mean about wanting it spelled out, but honestly, I kind of see why they keep it vague. If they gave a hard number, people would just skirt right up to that line. I’ve heard of someone’s claim getting denie...
RE: Shelter vs. State Farm for home insurance in Missouri - any strong opinions?
Totally get that. I switched to State Farm after a hail claim with Shelter dragged on forever. State Farm wasn’t perfect, but at least I could actually reach someone when things got weird. Sometimes it really does come d...
RE: Would you risk a higher deductible to lower your insurance bill?
I totally get where you’re coming from, but for me, with the car I’ve got, I just can’t stomach the idea of a huge deductible. The thought of shelling out thousands if someone dings my door in a parking lot… yeah, no tha...
RE: What happens if your rideshare app is between trips and you get into an accident?
Yeah, that’s exactly why I’m super paranoid about this stuff. I drive a pretty pricey car for rideshare, and the idea that just being logged in could mess with my insurance makes me nervous. It’s wild - like, you’re just...
RE: SCORED A SWEET DEAL ON INSURANCE THANKS TO MILITARY DISCOUNT
Right? I swear half my paranoia comes from reading those endless exclusions in the policy. I almost missed that “no coverage if car’s parked on the street overnight” clause once… and my neighborhood isn’t exactly gated. ...
RE: If You Had To Switch Insurance In Kentucky, Who Would You Trust?
Yeah, “comparable quality” is insurance-speak for “good luck, buddy.” I went through this headache with my last claim - thought I’d get OEM parts because my policy sounded solid, but nope. Ended up fighting with adjuster...
RE: How do they actually decide when a car is “totaled”?
Honestly, I get where you’re coming from, but I’ve actually had a different experience with my last claim. I had a bunch of receipts for recent work - brakes, suspension, even detailing - and the adjuster did factor some...
RE: Why can’t I use my points AND a coupon at checkout?
That’s exactly it. I’ve had times where I thought I’d finally figured out the “system” and then, surprise, there’s a new rule or some random exclusion. It’s almost like they’re counting on us missing a step. I get wantin...
RE: Confused about insurance rules in South Dakota - help me figure this out
Honestly, I wouldn’t risk relying on just the digital card, even if the DMV says it’s fine. I’ve had a cop in a small town give me a hard time about it - he eventually accepted it, but not without some grumbling. Maybe i...
RE: Classic car insurance and the annual mileage cap - worth it?
I get where you’re coming from, but the mileage cap still bugs me a bit. That’s the thing - I never know when I’ll want to take the car out for a spontaneous weekend or a longer drive. I’ve got an old SL, and sometimes ...
RE: Are Loyalty Perks With Insurers Even Worth It Anymore?
Yeah, that hits home. I’ve got a pretty pricey car and I’m super careful with it - never had to use accident forgiveness either. Loyalty perks always sound good, but in reality, it’s just marketing fluff most of the time...
RE: stuck between Geico and Progressive in NY, thoughts?
Honestly, I get where you’re coming from. I went with Geico for a while and had a minor fender bender - shop wanted to use aftermarket parts. I pushed back and got OEM, but it was a hassle. Progressive wasn’t much differ...
RE: keeping your vintage ride running smooth on long trips
That's a fair point about tank condition. I've definitely noticed with older cars, even small maintenance details can make a huge difference on trips. Had a friend whose vintage Benz kept sputtering out randomly, and aft...
RE: Insurance tips for my vintage ride needed
Yeah, you're making the right call going with agreed-value. I had a similar wake-up call when my buddy's classic Porsche got rear-ended in a parking lot - insurance barely covered half the restoration costs because they ...
RE: My insurance nightmare in Rhode Island traffic court
That's interesting, I didn't even realize regular insurers offered agreed-value coverage without mileage restrictions. I've always stuck with standard policies because specialty insurance seemed too restrictive for daily...