Car insurance discussions and local services.
diy764
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Topics and replies this member has contributed.
RE: Finding decent car insurance deals on the islands - my step-by-step
Honestly, I feel you on the “peril” thing - my policy reads like a choose-your-own-adventure novel half the time. I once spent an hour on the phone trying to explain that a bird strike isn’t “malicious intent.” You’re ri...
RE: How did you feel after your first accident and dealing with insurance?
That’s the truth. I remember after my first fender bender, I spent hours on the phone just trying to figure out if my “occasional driver” (my brother, who borrows my car maybe twice a year) was actually covered. The agen...
RE: Car insurance in Wyoming: who actually treats you right?
That’s exactly it. I drive a pretty flashy coupe and those apps never seem to get it - last winter, I had to swerve for a mule deer and the app dinged me for “hard braking.” My rate didn’t budge, even though I’ve never h...
RE: Getting Lost in the Maze of Uber and Lyft Insurance Rules
Honestly, this is why I always double-check everything and still feel like I’m missing something. I had a minor scrape in my S-Class while dropping someone off, and the paperwork circus that followed was unreal. Even wit...
RE: Finding decent car insurance in Delaware without losing your mind
I hear you on the garage queen thing - it’s wild how little that seems to matter. My old 911 spends most of its time under a cover, but the rates don’t care if it’s collecting dust or miles. Had a similar run-in with tic...
RE: Why I was surprised to learn Nebraska requires uninsured motorist coverage
I totally get the temptation to just stash the cash instead of paying for coverage you might never use. I used to think the same way, but after a fender bender with my old BMW (guy had no insurance), I was seriously glad...
RE: Which Roadside Help Would You Trust More: AAA or Your Insurance Company?
I hear you on the mixed results. I’ve had my share of waiting games too, and it’s never fun - especially when you’re sitting in a car that cost more than your first house, watching the rain come down. Once, I was strande...
RE: Why California’s minimum car insurance might not be enough
I totally get where you’re coming from. I drive a Tesla, and honestly, the thought of someone hitting it with minimum coverage does cross my mind more than I’d like to admit. A few years back, my neighbor’s kid rear-ende...
RE: Rising premiums for business vehicle fleets - anyone else notice this?
Definitely noticing the same thing with my own fleet, and it’s frustrating. I remember thinking that driving higher-end vehicles, keeping them spotless, and sticking to all the maintenance schedules would help keep premi...
RE: How do they actually decide when a car is “totaled”?
Yeah, it’s wild how little they care about the extras. I had a CPO BMW with every service record, new Michelins, even a ceramic coat. When it got rear-ended, the adjuster barely glanced at my stack of receipts - just wen...
RE: What happens if your rideshare app is between trips and you get into an accident?
Yeah, I totally get where you’re coming from. I remember when I first started driving my S-Class for a rideshare app (probably not the smartest move, but hey, it was fun for a while), I was constantly worried about that ...
RE: HOW DO YOU DECIDE ON THE RIGHT DEDUCTIBLE FOR YOUR INSURANCE?
RAISING THE DEDUCTIBLE MAKES ME NERVOUS TOO I totally get where you’re coming from. I drive a pretty pricey car, and every time I think about bumping up my deductible to save a bit, I just picture some random act of cha...
RE: What happens if your rideshare app is between trips and you get into an accident?
Honestly, I get that stress - insurance is a headache, especially when you’re driving something you really care about. I went through this last year after a friend had a fender bender between rides. His regular policy di...
RE: Insurance headaches for risky drivers in NC - stick with big names or go local?
Big names or local, it’s a toss-up for me too. I’ve had my share of “wait, what?” moments with both. Last year, I added a custom sound system to my car - nothing wild, just something that didn’t sound like an old AM radi...
RE: Which is better for SR-22 in ND: local agents or online companies?
I totally get what you mean about the DMV being on their own schedule - feels like time just stops in there. I’ve had a local agent walk me through the paperwork once, and honestly, it was nice having someone double-chec...