Car insurance discussions and local services.
christopher_martinez
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RE: Rising CT premiums: minimum or stronger UM/UIM limits?
On the choice between raising the deductible and lowering UM/UIM, I’d treat the deductible as a bill you may need to pay after a covered vehicle loss, while lower UM/UIM limits can leave less protection for a serious inj...
RE: Do you really need extra insurance for a rental in Montana?
Had a buddy who thought his regular insurance had him covered, but after a run-in with some Montana backroads, he found out the hard way about those exclusions. Made me wonder - has anyone actually managed to get a renta...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
I had a client once who let her cousin borrow her car for a weekend trip up north. No issues, but she called me after, kind of panicked, asking if she should’ve added him as a driver. Honestly, for one-off stuff, most co...
RE: Which Roadside Help Would You Trust More: AAA or Your Insurance Company?
I get where you’re coming from about not wanting to give your insurer more ammo for rate hikes, but I’ve actually seen it go both ways. Had a client who used their insurance roadside twice in a year - no impact on their ...
RE: What happens if your rideshare app is between trips and you get into an accident?
Title: What happens if your rideshare app is between trips and you get into an accident? I hear this a lot, but I’ve actually seen a few cases where the rideshare company’s insurer stepped in right away - no waiting f...