Car insurance discussions and local services.
cgamer96
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Topics and replies this member has contributed.
RE: Oregon UM property damage or collision for a hit-and-run?
A stated $12,000 UM property-damage limit is a ceiling, not a guaranteed payment. For a vehicle valued around that amount, confirm how the carrier would determine actual cash value and apply the deductible in an unidenti...
RE: Oregon UM property damage or collision for a hit-and-run?
The “timely police report” point deserves a broader check: readers comparing these coverages should also look for the policy’s prompt-notice and cooperation requirements. A hit-and-run might otherwise fit the coverage de...
RE: Deciding between just liability or going all-in with full coverage on Liberty Mutual
Honestly, I’ve been through this a few times and it never gets less annoying. The sticker shock is real, but I always remind myself that the “bare minimum” is only good until something big happens - then you’re on the ho...
RE: Weighing legal trouble vs. losing trust: which is worse after fraud?
That hits home for me. Years ago, I bought a used car from a dealer who fudged the odometer. Legal stuff got sorted - refunds, apologies, whatever - but I never trusted that place again. Even now, when I see their ads, I...
RE: Would you risk a higher deductible to lower your insurance bill?
I get the logic behind upping the deductible, but honestly, I’ve seen it backfire. Even if you’re just driving to shows, all it takes is one distracted driver or a runaway shopping cart and suddenly you’re out a big chun...
RE: SCORED A SWEET DEAL ON INSURANCE THANKS TO MILITARY DISCOUNT
Honestly, I get the appeal of a big discount, but I’ve found that sometimes the coverage details get glossed over in the excitement. Last time I switched for a lower rate, roadside assistance wasn’t included anymore - di...
RE: What happens if your rideshare app is between trips and you get into an accident?
That “between trips” period is honestly where a lot of drivers get blindsided. I’ve actually read some insurance contracts that specifically exclude coverage the second you’re “available” for hire - even if you’re just p...
RE: When The Other Driver Disappears: Uninsured Motorist Coverage In Action
I get where you’re coming from with the dashcam - it’s like insurance for your insurance, honestly. I’m always surprised by how many folks still haven’t bothered to pick one up, given how much nonsense goes on in parking...
RE: How do they actually decide when a car is “totaled”?
I’ve actually tried listing a few mods on my policy - mostly wheels and audio stuff - and honestly, it was more hassle than I expected. The insurer wanted photos, receipts, the whole nine yards. They did say it’d help if...
RE: is accident forgiveness really worth it in Ohio?
That’s pretty much how I saw it for years. I’ve driven in Ohio for three decades, and honestly, I never bothered with accident forgiveness until my wife had a minor fender-bender last winter. Rates shot up, and suddenly ...
RE: little-known ways to snag cheaper insurance in Alaska
Yeah, that OEM parts endorsement is a gold mine if you drive anything European, but you'd never know unless you dig through the fine print or press your agent. I’ve found the whole “prove your garage parking” thing a bit...