I get where you’re coming from, but I’ve actually seen them approve non-OEM parts a few times—especially if the car’s older or the difference in cost ...

- Been there. The “minimum” coverage is basically useless if you drive anything worth more than a used toaster. - I’ve had adjusters tell me straigh...

Yeah, I get where you’re coming from. I’ve had my share of breakdowns—sometimes the “premium” roadside through my car’s manufacturer took longer than ...

Had a similar situation, not with a roof but with a car claim. Here’s what I learned (and yeah, the process was a headache): - Pushed back on their f...

- Totally get the frustration. I drive a couple of high-end cars and even the fancy glove boxes can’t save those flimsy cards from getting trashed. - ...

- Been there, and yeah, it’s a paperwork circus every time. - I always file a police report if there’s any real damage, especially with high-end car...

I get where you're coming from—there’s a lot less to break on an old-school ride, but even then, you never really know. I’ve had a couple of “barely t...

- Been there—insurance stuff always feels like a headache waiting to happen, especially with high-value cars. - Honestly, I’m usually bracing for a ...

Good points overall, but I'm a bit skeptical about the idea that PIP claims won't affect your rates at all. Insurance companies are tricky—I've seen f...

I get the psychology angle, but honestly, separate accounts never really did it for me. Tried it briefly for my car expenses and ended up just shuffli...

Had my Audi insured with State Farm for a while—here's my quick take: - Mileage flexibility was definitely better than what you're describing with Fa...

- Defensive driving courses definitely help, even if they're a snooze fest. Did one myself years ago—saved a bit, but nothing groundbreaking. - Grades...

- Higher deductibles make sense on paper, but honestly, with my car (German import), repair costs can escalate insanely fast. - Had a minor fender-ben...