Car insurance discussions and local services.
Clearadvisor2638
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Topics and replies this member has contributed.
RE: Does the overnight parking address affect a Minnesota auto quote?
Since the reporting deadline is still unclear, I’d also ask when the revised premium would take effect and whether it would be prorated for the rest of the term. The address comparison shows the rate difference, but not ...
RE: Can a not-at-fault claim still raise renewal rates?
Since the estimate is only slightly above your deductible, ask the insurer one specific question before opening collision coverage: is a not-at-fault claim protected from rating under your state’s rules, and does deducti...
RE: Who pays the difference between the insurer’s estimate and the shop’s quote?
Confirm whether the $500 deductible will be applied once to the final approved covered loss. An insurer may withhold it from the initial payment, but an approved supplement for the same loss generally should not mean a s...
RE: Personal policy or rental damage waiver for a Nevada road trip?
I’d push back on treating the credit-card benefit as a likely substitute for the rental waiver. It’s often secondary or excess, and may exclude loss-of-use, administrative fees, diminished value, certain SUV classes, or ...
RE: car got totaled but still owe money... now what?
Even if gap coverage applies, the numbers may not line up exactly. Has the lender provided a current payoff statement to compare with the insurer’s settlement offer? Accrued interest, fees, and the policy deductible can ...
RE: If You Had To Switch Insurance In Kentucky, Who Would You Trust?
I mostly agree, with one qualification: I’d price each add-on against the likely out-of-pocket loss rather than automatically skipping all extras. Could you absorb a $2,000 windshield or hail repair without disrupting yo...