Car insurance discussions and local services.
buddywoodworker
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Topics and replies this member has contributed.
RE: When The Other Driver Has No Insurance And Dings Your Car
That’s exactly what gets me - what’s even the point of those cameras if they’re not actually catching anything useful? I’ve had my car dinged twice in the last year, both times in supposedly “monitored” lots. Never got a...
RE: Car insurance in Wyoming: who actually treats you right?
That’s exactly the kind of thing that drives me nuts about the big insurance outfits. They talk a big game about “nationwide coverage,” but when you’re stranded on a rural highway, it’s all on you. I’ve never had a natio...
RE: Car insurance in Wyoming: who actually treats you right?
I’ve had the same issue - got marked down for “aggressive steering” when I swerved to avoid a deer at dusk. What do they expect, just plow through? These apps don’t get how unpredictable rural roads are. Has anyone actua...
RE: Classic car insurance and the annual mileage cap - worth it?
I’ve never had my odometer checked at renewal, but I have had it looked at during a claim. That’s when they really care - if you’re way over, they’ll dig into it. As for cross-checking with service records, I think it de...
RE: Why does picking a deductible feel like a weird gamble?
Honestly, that’s exactly what bugs me. Are we just betting on not having bad luck, or is there a smarter way to look at it? Like, if you had to cough up $1k tomorrow, would that wreck your budget? Or do you just accept t...
RE: Digital Forms Vs. Old-School Paper: Which Makes Claims Smoother?
Honestly, I get where you’re coming from. There’s just something about having the physical paperwork on hand that makes things smoother, especially when you’re dealing with folks who don’t trust digital stuff. I’ve had i...
RE: Why California’s minimum car insurance might not be enough
Yeah, I’ve seen this happen too - people think “minimum” means “enough,” but it’s really just the bare bones. Ever looked at what a bumper costs on a newer car? It’s wild. I get why folks want to save money, but is it re...
RE: Bundling insurance with USAA: worth it or just hype?
I don’t know, I feel like the whole “bundling gets you better treatment” thing is mostly marketing. In my experience, USAA’s claims process is the same headache whether you’ve got one policy or five. And honestly, if you...
RE: little-known ways to snag cheaper insurance in Alaska
I get where you’re coming from, but I actually tried one of those tracker apps for a few months - figured I’d give it a fair shot. Not gonna lie, it dinged me for stuff that’s just normal up here. Exactly. It doesn’t se...
RE: Finding decent car insurance in Delaware without losing your mind
I get what you mean, but have you ever actually needed to file a claim for something big? I used to think the same way until a deer totaled my old car. Suddenly, those “extras” didn’t seem so pointless. Do you think it’s...
RE: little-known ways to snag cheaper insurance in Alaska
Honestly, I don’t get the appeal of those tracking apps. The idea of my insurance company watching every move just rubs me the wrong way. Plus, Alaska roads are unpredictable - how are you supposed to avoid “hard braking...
RE: Insurance renewal hikes caught me off guard
Yeah, I’ve noticed the same thing - insurers technically “disclose” changes, but it’s like they’re hoping you won’t notice. Why isn’t this stuff front and center? I mean, if my deductible jumps by $500, that’s not a mino...
RE: anyone else feel like AAA insurance isn't what it used to be?
That’s fair, but how often do most people actually need a 60-mile tow? I get the value in emergencies, but if you’re waiting two hours for a jump, is it really worth the yearly fee? Maybe I’m just too impatient...
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.
Full Coverage Is Basically a Marketing Term That’s exactly it. “Full coverage” is basically a marketing term at this point. I don’t get why agents or companies keep using it when it just leads to confusion and angry c...
RE: stuck between Geico and Progressive in NY, thoughts?
I've never personally used Geico's roadside, but Progressive bailed me out once on the Thruway near Albany. Response time was decent - maybe 35-40 mins - but I'm wondering if that's typical or just luck? Also, do either ...