Car insurance discussions and local services.
dance915
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Topics and replies this member has contributed.
RE: Adding a teen driver in Hawaii: bundle with parents or separate policy?
Never had a claim denied myself, but I've seen it get messy for a friend. Insurance companies can and will look into driving habits if a big claim comes up - especially if the car’s totaled or there’s injuries. If they f...
RE: Mileage-based car insurance: who’s using it and which company do you like?
That’s exactly my issue with these pay-per-mile setups. I tried Metromile for about a year - seemed like a great idea at first, but the minute I took a couple of longer trips, all the savings just evaporated. It’s like, ...
RE: Car insurance in Wyoming: who actually treats you right?
- Been there with the “classic car” label - seems like code for “let’s see how little we can pay.” - In my experience, it’s a total roll of the dice on the adjuster. I’ve had two claims (one with Allstate, one with Sta...
RE: is accident forgiveness really worth it in Ohio?
Honestly, I’ve done the math a few times and for me, accident forgiveness actually made sense once. Had a fender bender, rates would've jumped way more than the forgiveness cost. Not saying it’s for everyone, but sometim...
RE: What happens if your rideshare app is between trips and you get into an accident?
- 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. That’s the big catch. - Personal insurance usually won’t touch it if ...
RE: Which Roadside Help Would You Trust More: AAA or Your Insurance Company?
- 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. - AAA's maps and discounts are nice, but if you're just after a tow...
RE: just saw a story about a guy in Kansas whose car got totaled by hail, and turns out his insurance didn't cover it.
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 out of pocket once because I didn’t realize comprehensive was a separa...
RE: Insurance renewal hikes caught me off guard
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 harder for your business - faster claims, less red tape. - The big gu...
RE: is accident forgiveness really worth it in Ohio?
Honestly, I think you nailed it with this: - Accident forgiveness sounds good on paper, but insurers always find a way to balance the books. - Like you said, they’ll “forgive” the accident, then quietly remove your ...
RE: Confused about Illinois car insurance rules - anyone else?
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 occasionally driving coworkers to meetings. Turns out even occasional busines...
RE: CLASSIC CAR STORAGE: ARE NEW CITY RULES GOING TOO FAR?
I get the concern, but exemptions can backfire too. I've seen neighborhoods where special permits turned into loopholes, causing clutter and frustration. Maybe clearer, simpler guidelines would be better than altogether...
RE: lent my car to a friend, insurance got messy real quick
- Yep, insurance companies love those vague clauses... been there myself. - Good call on checking specifics directly - saves a ton of headaches later. - At least now you're wiser for next time, right?
RE: got caught up in fraud trouble - what happens next?
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 and when. - Check your credit reports regularly afterward. - Consider...
RE: Finding affordable car insurance in Hawaii when you're labeled "high-risk"
Yeah, insurers definitely factor in repair logistics when calculating premiums, especially in places like Maui. From my experience: - Shipping delays and higher freight costs absolutely get bundled into premium calculat...