Car insurance discussions and local services.
baking_alex
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Topics and replies this member has contributed.
RE: letting friends borrow your car - covered or risky?
“Covered fully” can be misleading here. Even if the policy covers a friend’s permitted use, it still has liability limits; if covered damages exceed them, you could be exposed to the amount above the limit. So coverage r...
RE: Adding a teen driver in Hawaii: bundle with parents or separate policy?
That mailbox story hits close to home - my nephew barely tapped my old ‘72 Chevy and you’d think he’d set off a five-car pileup based on the rate jump. I’ve always bundled, mostly because I’d rather pay a little more tha...
RE: Is gap insurance worth it for new cars in Hawaii?
I get where you’re coming from, but I’ve always been a bit wary of gap insurance, especially after watching a buddy of mine get burned by the fine print too. He totaled his ‘22 Tacoma three months after buying it, though...
RE: Why I was surprised to learn Nebraska requires uninsured motorist coverage
I hear you on the frustration with paying for stuff because of other people’s bad decisions. It’s like, I’m already careful, why am I footing the bill for someone else’s mess? But after seeing what happened to my neighbo...
RE: Bundling insurance with USAA: worth it or just hype?
I hear you on the whole “stable rates” pitch. I’ve been with USAA for a long time, mostly because my dad swore by them, but I’ve seen those post-claim hikes too - had a fender bender (totally not my fault, someone backed...
RE: What happens if your rideshare app is between trips and you get into an accident?
Had a buddy with a ‘72 Chevelle who started driving for a rideshare app just to fund his restoration. One night, he got rear-ended while waiting for a ping - app was on, but no passenger yet. His regular insurer tried to...
RE: What happens if you only carry the bare minimum car insurance in Florida?
I get where you’re coming from. I’ve got a ’72 Chevelle I only drive on weekends, and even then, I keep the coverage pretty high. Years back, a buddy of mine had just the minimum in Florida - got rear-ended, and the othe...
RE: Car insurance in Wyoming: who actually treats you right?
Car Insurance in Wyoming: Who Actually Treats You Right? Man, I hear you on the fine print. I’ve been burned before - years back, I had a ‘72 Chevelle that got sideswiped by a deer (not even kidding, it ran right into m...
RE: Do you really need extra insurance for a rental in Montana?
I’m with you - after a run-in with a deer in my ‘68 Mustang (not in Montana, thankfully), I don’t take chances anymore. Some of those rental contracts are full of surprises, especially out west where animals seem to come...
RE: Weighing legal trouble vs. losing trust: which is worse after fraud?
Losing trust hits different, for sure. Had a buddy who borrowed my '68 Camaro once and brought it back with a mysterious dent - never owned up to it. Still bugs me more than any ticket or fine I’ve had to pay. Paperwork’...
RE: Why does insurance cost more in Houston than Austin or Dallas?
Man, I hear you on the telematics thing. I tried one of those “safe driver” gadgets in my daily driver a while back, thinking maybe it’d save me enough for an extra tank of gas each month. Nope - barely got a discount, a...
RE: Why does insurance cost more in Houston than Austin or Dallas?
Had a buddy with a ‘72 Chevelle who thought he could get by with the bare minimum. One Houston downpour later, he was knee-deep in water and paperwork. I get the frustration, but cutting corners here can really bite you....
RE: Why California’s minimum car insurance might not be enough
Man, I totally get where you’re coming from. I’ve got a ’72 Chevelle that I baby, and even though it’s not my daily driver, I still carry way more than the minimum. Had a buddy who thought he was being smart by skimping ...
RE: Why Is PIP Mandatory In Some States But Not Others?
Man, I hear you on having to re-read everything with every move. When I moved my old Chevelle from Kansas to Texas, I thought “full coverage” meant the same thing everywhere - nope. Texas made me get way more uninsured m...
RE: SHOP AROUND OR STICK WITH THE FIRST DECENT QUOTE?
That’s pretty much been my experience too. Years back, I nearly signed up for a pricier policy thinking it’d be safer for my ‘72 Mustang. Dug into the fine print and realized the cheaper one actually covered agreed value...