Car insurance discussions and local services.
collector82
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Topics and replies this member has contributed.
RE: When The Other Driver Has No Insurance And Dings Your Car
Man, I hear you. Had a guy rear-end me in a parking lot once, and he suddenly “couldn’t find” his insurance card either. He kept saying he’d text it later, but surprise - never did. I was skeptical about paying extra for...
RE: Shelter vs. State Farm for home insurance in Missouri - any strong opinions?
I get what you mean about missing that personal touch. I’ve been with Shelter for years, mostly because my dad swore by them, but I’ll admit their tech isn’t as slick as State Farm’s. Last time I had roof damage, it took...
RE: Why can’t I use my points AND a coupon at checkout?
Why can’t I use my points AND a coupon at checkout? Man, this is one of those things that’s always bugged me too. I remember last year, I was trying to buy some new wiper blades and a jug of washer fluid - nothing fancy...
RE: When Does It Make Sense to Drop the “All-In” Coverage?
That’s exactly where I landed with my old Camry. I kept paying for full coverage out of habit, even after it was pushing 15 years and barely worth a couple grand. At some point, I realized I was basically insuring it for...
RE: Why can’t I use my points AND a coupon at checkout?
Yeah, this bugs me too. I remember a few years back, I was saving up points at the auto parts shop - figured I’d finally get a decent discount on some new wiper blades. Then they send me a 15% off coupon in the mail. I t...
RE: Confused about Illinois car insurance rules - anyone else?
Yeah, same here - mine’s like an archaeological dig. I’ve tried just giving the policy number once when I couldn’t find the right card, and the cop wasn’t thrilled. He let it slide after I pulled up my info on the insura...
RE: Drowning in Forms: What If Your Insurance Docs Got Lost?
Been there myself... had my phone battery die right when I needed proof of insurance after a minor fender-bender. Cop was patient, but lesson learned. Definitely liking the USB idea - might just toss one in the glove...
RE: lent my car to a friend, insurance got messy real quick
Yeah, lending cars can be dicey. I remember years ago, I let my buddy borrow mine for a weekend trip - came back with the alignment totally off. He swore he didn't hit anything, but...you know how it goes. Not worth losi...
RE: Confused about insurance rules in South Dakota - help me figure this out
I've never bothered laminating mine, honestly - just toss it in the glove box and hope for the best. But now you've got me thinking...anyone know if laminated cards are actually accepted everywhere, or do some officers g...
RE: bumped someone's car lightly, no visible damage - should I report?
Yeah, been there myself - thought it was all good after a tiny fender tap. Few days later, guy calls me claiming his bumper alignment's off. Luckily, I'd snapped a quick pic at the scene...saved me some headaches. Better...
RE: keeping your vintage ride running smooth on long trips
I hear ya on the roadside assistance thing, but honestly, relying on them too much can be a gamble. Had a trip a few years back in my old Benz - thought I had everything covered. Fluids checked, tires good, belts and fus...
RE: HOW DO YOU DECIDE ON THE RIGHT DEDUCTIBLE FOR YOUR INSURANCE?
I get your logic, but honestly, after years of owning cars and dealing with insurance, I've found the whole "middle ground" thing isn't always the sweet spot. A while back, I picked a mid-range deductible thinking I'd st...
RE: anyone else feel like AAA insurance isn't what it used to be?
Yeah, I think you're onto something there. I've had AAA for years, and honestly, the last couple of times I've needed them, it wasn't exactly stellar. Last winter, my battery died in a grocery store parking lot - pretty ...
RE: got caught up in fraud trouble - what happens next?
Yeah, that's solid advice. Reminds me of the time my car got broken into at a rest stop on a road trip. I had everything in one bag - wallet, phone charger, even my spare keys (I know, rookie mistake). They took the whol...
RE: is accident forgiveness really worth it in Ohio?
I used to think accident forgiveness was just another gimmick until my wife sideswiped our neighbor's parked car last winter. Her first accident in like 10 years. We didn't have it, and the premium jump afterward made me...