Car insurance discussions and local services.
barbaralopez337
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Topics and replies this member has contributed.
RE: Avoiding hefty fines for driving without insurance in OK - how I do it, but is there a better way?
Ain’t that the truth. I tried relying on my phone once, and of course, that’s the day my battery decided to die right as I needed proof. Never felt more like a deer in headlights. I get the convenience of digital, but pa...
RE: Choosing between basic liability and full coverage for your first car - what did you go with?
Yeah, I get that logic. I did the same thing with my first car - full coverage just felt safer, even though part of me wondered if I was just throwing money away. Thing is, insurance companies love to sell you peace of m...
RE: How is ACV not just a fancy way to pay us less?
That’s exactly it. I’ve always thought it was kinda weird how insurance just ignores all the little stuff you put in. Had to replace my alternator last year - cost me a chunk, but when my old Civic got totaled, didn’t ma...
RE: Shelter vs. State Farm for home insurance in Missouri - any strong opinions?
I got tripped up by the “actual cash value” thing on my first claim years back. Thought I’d be getting a shiny new TV after a lightning strike, but nope - got a check for about half what it cost new. That was a rude awak...
RE: Renting a car: stick with GEICO or pay for the rental company’s insurance?
RENTAL INSURANCE: WORTH IT OR JUST ANOTHER MONEY GRAB? I get where you’re coming from. That “peace of mind” thing is real, especially if you’ve already been through the wringer with insurance hikes. I’ve always been a b...
RE: Finding decent car insurance in Delaware without losing your mind
Yeah, I get what you mean about the reminders. I’ve had a few of those “friendly nudges” myself - one time I was out of town and totally forgot to snap the mileage. They sent like three emails in two days. Never saw my r...
RE: Confused about Illinois car insurance rules - anyone else?
That’s exactly my worry. I like the idea of digital cards, but I’ve had my phone freeze up at the worst possible times. Last winter, it just shut off in the cold and wouldn’t come back on for like ten minutes. Not ideal ...
RE: is accident forgiveness really worth it in Ohio?
I get where you’re coming from. I used to think accident forgiveness was just another way for the insurance companies to squeeze more money out of us. But after my neighbor’s fender bender last winter, I kinda changed my...
RE: Confused about insurance rules in South Dakota - help me figure this out
That’s pretty much my worry too - phones die, apps glitch, and then what? I’ve always kept a paper copy in the glove box, just in case. But now I’m wondering, is there an actual rule about what format they have to accept...
RE: How do they actually decide when a car is “totaled”?
Had a similar headache with my old ’68 Mustang. Poured years into it, but when it got rear-ended, the insurance guy just shrugged and pointed at some “average sale price” from a website. I did have some receipts for part...
RE: SHOP AROUND OR STICK WITH THE FIRST DECENT QUOTE?
I hear you on the perks sometimes being more flash than substance. I’ve had both ends of it - one time, I jumped at a “decent” quote for brakes, only to find out later they used the cheapest pads possible. Learned my les...
RE: Which is better for SR-22 in ND: local agents or online companies?
I get what you’re saying about peace of mind with a local agent, but honestly, I’ve had the opposite happen. One time, the local office “faxed” my stuff and it still took forever for the DMV to update anything. Meanwhile...
RE: bumped someone's car lightly, no visible damage - should I report?
I get the worry, but honestly, sometimes I think we overthink these little bumps. I’ve had a couple of those “barely touched it” moments and nothing ever came of it - no calls, no letters, nada. If there’s truly no damag...
RE: Confused about Illinois car insurance rules - anyone else?
Honestly, I still keep the paper card in my glove box just in case. Maybe I’m old school, but I don’t totally trust the digital thing - phones die, apps glitch, you know? I’ve heard stories about cops being fine with dig...
RE: just saw a story about a guy in Kansas whose car got totaled by hail, and turns out his insurance didn't cover it.
Yeah, the “full coverage” thing is so misleading. I’ve been driving for years and I still get tripped up by all the fine print. That’s exactly it. I had a buddy who thought he was set until a tree limb smashed his winds...