Car insurance discussions and local services.
briansniper950
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Topics and replies this member has contributed.
RE: Choosing between basic liability and full coverage for your first car - what did you go with?
Been there. I remember when I got my first minivan (don’t judge, it was a steal), and I thought about going with just liability because the thing was already old enough to vote. But then my youngest decided to “help” me ...
RE: Finding decent car insurance deals on the islands - my step-by-step
Right? I don’t need my insurance agent knowing every time I hit the drive-thru or take the “scenic” route home because the kids fell asleep in the back. As for agreed value, I tried once for my old ‘97 Accord (not exactl...
RE: Getting Lost in the Maze of Uber and Lyft Insurance Rules
Tell me about it. I tried explaining the whole “periods” thing to my spouse and ended up drawing a diagram with stick figures and little cars - looked like my kid’s homework. I get that there are different coverages, but...
RE: Best ways to snag a deal on an EV these days?
Best ways to snag a deal on an EV these days? That “radioactive” vibe is spot on - my local body shop acted like I’d rolled in with a UFO when my Leaf got a fender ding. And don’t get me started on insurance. I thought ...
RE: Finding decent car insurance in Delaware without losing your mind
Not sure I totally agree on the “coverage is coverage” angle - last summer, my “comprehensive” plan left me stranded in Rehoboth with three kids and a cooler of melting popsicles. Turns out, roadside assistance was “opti...
RE: What happens if your rideshare app is between trips and you get into an accident?
Man, I totally get the mirror thing - mine got knocked off in a grocery store lot once, and insurance acted like I was trying to file a claim for a spaceship. The “between trips” coverage is such a gray area it might as ...
RE: Finally figured out how car insurance works in no-fault states
Haha, your car was just practicing some self-care after that stressful event! Seriously though, I feel your pain. A couple years back, my insurer did something similar after a parking lot scrape. They insisted on afterma...
RE: Stuck Between State Farm and Farm Bureau - Which One's Better?
Had a similar experience myself, but with State Farm. A couple years back, my wife backed our minivan into a mailbox - classic family car moment, right? Anyway, I called up State Farm expecting the usual automated runaro...
RE: Finally figured out my state's minimum car insurance rules and saved some cash
Haha, your mailbox story cracked me up... been there myself with a sneaky curb that magically appeared out of nowhere. Good job figuring out the sweet spot with insurance though - feels pretty satisfying when you dodge t...
RE: insurance denied my claim - what would you do?
I get what you're saying, but honestly, before dashcams and tech evidence were a thing, insurers weren't exactly known for taking our word at face value either. I once had to draw diagrams on napkins to prove my point......
RE: Confused about insurance rules in South Dakota - help me figure this out
Haha, I hear you on the paper thing, but honestly, I've had the opposite experience. Last summer, we were road-tripping through South Dakota - kids in the backseat fighting over snacks, wife navigating (or trying to), an...
RE: Hypothetical Car Accident: How Does PIP Insurance Actually Work?
Had a similar thing happen a couple years back - someone rear-ended me at a stoplight, totally their fault, police report and everything. Thought I was golden, but nope... renewal rolls around and my premium nudged up a ...
RE: Sneaky Auto Insurance Exclusions You Might've Missed
Reminds me of when I got rear-ended last year. The insurance guy casually asked if I'd been "using any apps" at the time. I was like, "Does Spotify count? Because guilty as charged..." He laughed, but man, they're defini...
RE: business car insurance - am I overdoing it?
I feel ya on this one - insurance is always a gamble. We scaled back to liability once, thinking we'd save a few bucks...then my husband backed into a mailbox (don't ask). Learned our lesson the awkward way, lol. Compreh...