Car insurance discussions and local services.
bailey_moore
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Topics and replies this member has contributed.
RE: What happens if your rideshare app is between trips and you get into an accident?
That “gray area” is a nightmare. I once had my app on while grabbing coffee, thinking I was being productive. Some guy sideswiped my car in the drive-thru. My insurance agent practically did cartwheels to explain why nei...
RE: Avoiding hefty fines for driving without insurance in OK - how I do it, but is there a better way?
Honestly, I think you’re spot on with the “old-school” approach. There’s something to be said for having a backup that doesn’t rely on battery life or a decent cell signal. I’ve had my fair share of moments where my phon...
RE: Confused about insurance rules in South Dakota - help me figure this out
I’ve definitely had that moment where I’m frantically trying to pull up my insurance app with 1% left, praying the screen doesn’t go black. Once, I handed over a card so faded the officer squinted and just shrugged. Hone...
RE: Weighing legal trouble vs. losing trust: which is worse after fraud?
I’ve actually seen someone bounce back after a trust issue, but it took some time and a lot of humility. In the family car crowd, people seem to have shorter memories - maybe because everyone’s too busy wrangling kids an...
RE: How do they actually decide when a car is “totaled”?
Never fails - just when you think new tires or a shiny brake job will boost your payout, the adjuster shrugs and points at their spreadsheet. I’ve had similar luck with “extras” like fancy floor mats... apparently those ...
RE: Little-known trick with Progressive’s roadside help
I hear you on the hidden key thing - my uncle once tried the “magnetic box under the wheel well” trick and, surprise, his car was gone the next morning. I’ve never thought about pre-scheduling roadside help, though. Has ...
RE: Struggling to find affordable car insurance after a few tickets - any tips?
Totally relatable story with the Mustang - those classic rides seem to come with built-in radar magnets, don't they? I had a similar experience, though sadly mine wasn't nearly as glamorous. My first car was an old Honda...
RE: Finding affordable car insurance in Hawaii when you're labeled "high-risk"
Good points there, but honestly, the defensive driving course saved me more than just the discount. I mean, sure, bundling helps, and bumping up your deductible can definitely move the needle...but the class also helped ...
RE: Just saved a chunk of cash on car insurance after defensive driving course
Haha, I totally get what you're saying about the stale coffee and endless slideshows. But honestly, one thing from my defensive driving course actually stuck with me - checking mirrors more frequently. Sounds basic, righ...
RE: Quick Tips for When Your EV Leaves You Stranded
I totally get the peace-of-mind angle, and honestly, I've been there myself - stuck in traffic for hours because of some random accident or weather event. But here's the thing: there's a fine line between being prepared ...
RE: Ever had to deal with car insurance claims in SD? Quick poll
Had a similar close call with hail near Rapid City - luckily dodged the bullet (or ice chunk, rather). Makes me wonder, has anyone actually had luck claiming damage from those random deer encounters insurers love to danc...
RE: CLASSIC CAR STORAGE: ARE NEW CITY RULES GOING TOO FAR?
Tell me about it... Last time I tried to clarify parking rules for my '68 Mustang, I practically needed a law degree. Anyone else feel like these new regs are solving problems that didn't exist?
RE: Scored a Sweet Auto Insurance Deal Thanks to My Military ID
Haha, that's spot-on. I tried one of those apps for about a week, and it felt like having an overly critical driving instructor again - minus the clipboard. Have you noticed if certain driving habits affect the score mor...
RE: is accident forgiveness really worth it in Ohio?
We went through something similar when our son started driving. At first, I thought accident forgiveness was just another gimmick too - insurance companies do love their upsells, don't they? But then he backed into a mai...
RE: is accident forgiveness really worth it in Ohio?
I get your point about the fine print - it's usually right there, but who actually reads it until something happens? A couple of years ago, I was debating accident forgiveness myself. I commute daily through Columbus tra...