I've definitely noticed that too—sometimes it feels like you're playing rep roulette. One day you get someone who's super helpful and willing to dig i...

Couldn't agree more—those subtle cues are lifesavers. As someone who deals with risk daily, I appreciate your sniff-test habit... might look odd, but ...

From what I've seen, it really depends on your insurer and your driving history. A few quick points from my experience: - Permissive use coverage usu...

Good points, but I'd add a slightly different angle here: - Updates and recalibrations are great, but software isn't foolproof. Even after an update,...

Good points overall, especially about switching insurers every couple years. A few things I'd add from experience: - Even if you switch, your driving...

Totally get where you're coming from on this. A few quick thoughts from my side: - Signs are helpful reminders, sure, but they're passive measures. L...

Dealt with something similar last year after a windstorm—claims backlog was huge. Couple quick tips: - Document everything (photos, emails, calls). - ...