- From what I’ve seen, that “Period 1” coverage is really only liability—so if you hit someone else, their stuff is covered, but your own car isn’t. T...

- Had AAA for years, but honestly, it's hit or miss. - Insurance roadside has surprised me—sometimes they use the same local tow companies anyway. ...

Yeah, I’ve run into that too. “Full coverage” is such a misleading term—it really doesn’t mean what most people think. I had to pay for hail damage ou...

Honestly, I’ve had better luck with some of the “bargain” insurers than the big names. Here’s what I’ve noticed: - Smaller companies sometimes hustle...

Honestly, I think you nailed it with this: - Accident forgiveness sounds good on paper, but insurers always find a way to balance the books. - Li...

Good catch on the side-gig thing—Illinois insurers can be sticklers about that stuff. A few years back, I had a similar issue when I started occasiona...

I get the concern, but exemptions can backfire too. I've seen neighborhoods where special permits turned into loopholes, causing clutter and frustrati...

- Yep, insurance companies love those vague clauses... been there myself. - Good call on checking specifics directly—saves a ton of headaches later. -...

Good advice on escalating early—I learned that the hard way myself. Couple other things I'd add from experience: - Keep notes on who you spoke with a...

Yeah, insurers definitely factor in repair logistics when calculating premiums, especially in places like Maui. From my experience: - Shipping delays...