There's definitely some truth there. I've seen firsthand how much discretion reps can have—sometimes they're just more flexible depending on their wor...

Actually, smaller insurers aren't always the issue. I've seen plenty of big-name companies pull the same disappearing act when claims get tricky. It's...

Haha, fair point about the Civic—hail as free bodywork is definitely a creative spin! But keep in mind: - Even older cars can rack up surprising repa...

Yeah, hail claims can be tricky...insurance companies do stick to their definitions pretty closely. But sometimes it depends on the adjuster or even t...

From what I've seen, insurers definitely weigh violations differently. Usually goes something like this: - Serious offenses (reckless driving, DUI) h...

I get why you're skeptical—accident forgiveness isn't always a slam dunk financially. A few years ago, my teenage daughter backed into our neighbor's ...

I've actually tried one of those portable solar chargers on a camping trip last summer. Here's my quick take: - They do work, but manage your expecta...