I hear you on the unpredictability—Ohio roads are a minefield half the year. I used to think accident forgiveness was just another way for insurance c...

That’s pretty much par for the course with State Farm. USAA isn’t much better, honestly—they’ll want documentation for every aftermarket part too. I’v...

Tell me about it. I had a cop in Pierre give me grief because my phone screen cracked and the app wouldn’t load. He wanted paper, period. Digital’s fi...

You nailed it—those exclusions feel like they’re designed to catch people off guard. I’ve lost count of how many times I’ve had to argue with an agent...