benphotographer
benphotographer
@benphotographer
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RE: Do you really need extra insurance for a rental in Montana?

Had a similar situation with a luxury SUV rental in Bozeman last year. Even though my card “covered” loss of use, the rental company just wouldn’t giv...

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RE: How I got my car registered and insured in MA (step-by-step, sorta)

Yeah, I’ve run into that too. Last time I registered my car, the clerk wanted a physical copy of my electric bill, not just a digital PDF—even though ...

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RE: Getting Lost in the Maze of Uber and Lyft Insurance Rules

Yeah, the whole “period 1, period 2, period 3” thing is just confusing. I remember when I first started looking into rideshare insurance for my car, I...

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RE: Digital Forms Vs. Old-School Paper: Which Makes Claims Smoother?

Honestly, I’ve had my share of tech fails too—nothing like trying to submit a claim while your S-Class is getting soaked and the app just spins. Still...

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RE: Why California’s minimum car insurance might not be enough

Title: Why California’s minimum car insurance might not be enough Yeah, I get where you’re coming from. Honestly, I used to think the same when I dro...

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RE: Why I was surprised to learn Nebraska requires uninsured motorist coverage

I hear you—insurance companies love their paperwork. With my S-Class, I learned early on to keep a folder with every invoice and photo for upgrades or...

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RE: Digital Forms Vs. Old-School Paper: Which Makes Claims Smoother?

I get where you’re coming from—paperwork feels more “real” somehow, but I’ve had a claim folder disappear at a dealership once and it was a nightmare....

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RE: Why can’t I use my points AND a coupon at checkout?

I’ve run into this at dealerships and high-end service centers too. Tried to use my loyalty points for a detailing package and stack it with a seasona...

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RE: Digital Forms Vs. Old-School Paper: Which Makes Claims Smoother?

That’s true, but then again, I’ve had paper claims literally disappear into thin air—or maybe just under the floor mats of my S-Class. Either way, gon...

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RE: What happens if your rideshare app is between trips and you get into an accident?

Yeah, insurance is a total maze, especially with rideshare stuff. My car’s on the higher end, so I’m always double-checking those policy details—just ...

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RE: What happens if your rideshare app is between trips and you get into an accident?

Honestly, I think the rideshare companies do provide some coverage even when you’re just waiting for a ping—at least liability, though it’s usually th...

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RE: How do they actually decide when a car is “totaled”?

You’re not wrong—most carriers just go by book value, and unless you’ve got every mod documented and added to your policy, you’re out of luck. I had t...

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RE: anyone else feel like AAA insurance isn't what it used to be?

That bot loop is brutal. I swear, my last claim took longer to explain to the AI than it did to get my car detailed. I get why they’re automating, but...

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RE: Someone smashed my parked car—deal with insurance or call the cops?

Had something similar with my S-Class last winter—someone clipped the mirror and just left. The police report felt like overkill at the time, but when...

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RE: Confused about Illinois car insurance rules—anyone else?

That’s exactly why I keep the paper card in my Range Rover. Had a cop in Lake Forest roll his eyes when I tried to pull up the app—he just wanted the ...

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