Car insurance discussions and local services.
baileys61
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Topics and replies this member has contributed.
RE: Would you risk a higher deductible to lower your insurance bill?
Man, I hear you on the S-Class repairs - those “minor” dings can feel like a punch to the gut when you see the bill. Had a client with a 7-series who thought he was safe with a higher deductible since he barely drove, bu...
RE: Car insurance in Wyoming: who actually treats you right?
I’ve seen folks get a sympathetic rep like you did, but I’ve also watched some clients go in circles trying to get those “hard brake” dings removed. Sometimes it feels like the company mood changes week to week. I do won...
RE: How is ACV not just a fancy way to pay us less?
Funny timing - just last year, I had a client who’d put in a claim for a stolen car, thinking their custom wheels and sound system were a given. Turns out, the policy only covered “factory-installed” stuff unless you spe...
RE: Which Roadside Help Would You Trust More: AAA or Your Insurance Company?
That CLUE report thing really does catch people off guard. I’ve seen folks get dinged on their rates for something as minor as a tow, which feels a bit unfair. I totally get sticking with AAA - my neighbor swears by them...
RE: Why does picking a deductible feel like a weird gamble?
Man, you nailed it with that. On paper, I’m always like, “Just pick the higher deductible, statistically you’ll come out ahead.” But then I remember the time my friend went with the high deductible to save $300 a year - ...
RE: Finding decent car insurance in Delaware without losing your mind
That’s the thing - people always think they’ll just “slide under the radar,” but I’ve seen it bite folks way too many times. I had a client a couple years back who drove for one of those delivery apps on the side. He fig...
RE: What happens if your rideshare app is between trips and you get into an accident?
It’s funny, I’ve had this exact conversation with a few drivers over the years, and every time, that “gray area” comes up. One guy told me he thought he was totally covered just because he had the app open, but when he a...
RE: Do you really need extra insurance for a rental in Montana?
I get where you’re coming from, but I’ve actually seen a few cases where folks paid for the extra rental coverage and still got hit with weird fees after a fender bender. The “loss of use” thing is tricky - sometimes you...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
Letting Friends Drive Your Car in MN: Better to Add Them or Rely on Permissive Use? That’s the thing - permissive use sounds simple, but it’s a bit of a minefield. I’ve seen folks get burned thinking their policy would ...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
Funny you mention reading policies like mystery novels - I’ve been there, squinting at the fine print and wondering if “comprehensive” actually means what it sounds like or if it’s just code for “we’ll find a way to char...
RE: is accident forgiveness really worth it in Ohio?
I totally get the anxiety around that “first oops.” I’ve seen folks go years without a scratch, then suddenly back into a mailbox and - bam - rates jump. The thing is, That’s what most people think, but insurance compan...
RE: Insurance paid way less than what it cost me to replace my roof
I get what you're saying about policies and upgrades, but honestly, sometimes even standard replacements end up costing way more than the insurance estimate. A few years back, a storm damaged my roof, and the adjuster's ...
RE: Confused about insurance rules in South Dakota - help me figure this out
Totally agree about the phone issues. Had a client once who swore by digital proof until he dropped his phone in a puddle right before a traffic stop near Rapid City. Officer was understanding, but it took forever to sor...
RE: lent my car to a friend, insurance got messy real quick
From what I've seen, insurers usually don't scrutinize mileage unless there's a claim or renewal coming up. Had a client once who swore he barely drove his weekend car, but after an accident, the adjuster actually checke...
RE: What Happens if You're Labeled a Risky Driver by Insurance Companies?
I get what you're saying about telematics, but honestly, it doesn't always work out as neatly as you'd hope. I had a client once who tried it - super cautious driver, barely drove at night - but the device flagged him ev...