Car insurance discussions and local services.
dobbyknitter
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Topics and replies this member has contributed.
RE: Is rejecting UM coverage worth the savings for a daily commuter in Louisiana?
For anyone comparing UM/UIM options, the rideshare and “another person’s car” examples need a more specific answer than whether coverage follows the person. The vehicle owner’s policy, the injured person’s own policy, an...
RE: Is rejecting UM coverage worth the savings for a daily commuter in Louisiana?
The “which named insureds and vehicles it applies to” check is especially important. I’d also ask how the policy defines an **insured** and whether that includes every household member who might drive one of the listed v...
RE: How I got my car registered and insured in MA (step-by-step, sorta)
Totally get where you’re coming from with the “snack graveyard” glovebox. I swear I found a petrified gummy bear in mine last month… But honestly, I’m still a little nervous about only having digital copies. Like, what i...
RE: Why did my GEICO premium jump so much this year?
Yeah, I totally get where you’re coming from. I’m still on my parents’ policy for now, but even they were shocked when their rate went up for no reason. It’s wild how they just expect people to accept it. Switching does ...
RE: If You Had To Switch Insurance In Kentucky, Who Would You Trust?
I kinda get what you mean about the big names. I tried switching to one of the “big guys” last year because I thought it’d be cheaper, but honestly, it was just a hassle. Every time I called, I felt like I was talking to...
RE: What happens if your rideshare app is between trips and you get into an accident?
Yeah, the “periods” thing makes my head spin too. I tried to ask my insurance about it and they just kept repeating “depends on the situation.” Super helpful, right? I’m with you - wish there was just a simple option tha...
RE: Getting that student discount on car insurance… not as easy as I thought
Yeah, I tried one of those apps for the “good driver” discount and it dinged me for braking hard in the rain. Like, what was I supposed to do - slide into the intersection? I get wanting to save money, but it’s kinda str...
RE: Why I stuck with USAA after my fender bender
Honestly, I get that, but I’d rather dig through my trunk than wait an hour for roadside, especially if it’s raining or I’m late for something. Plus, those calls aren’t always free - my budget’s tight, so DIY wins for me...
RE: What happens if your rideshare app is between trips and you get into an accident?
That’s what I thought too, but apparently not. I had a fender bender while just sitting in a parking lot with the app on, waiting for a ride. My regular insurance said it was “rideshare time,” but the rideshare insurance...
RE: When Does It Make Sense to Drop the “All-In” Coverage?
I totally get that habit thing. I kept full coverage on my old Civic way longer than I should’ve, just because it felt “safer.” But when I finally did the math, it was like… why am I paying hundreds a year for a car that...
RE: Little-known trick with Progressive’s roadside help
Yeah, those plastic sleeves are basically useless in the heat. I just keep my docs in a cheap ziplock bag now - doesn’t look fancy, but at least it doesn’t melt or stick to everything. Leather sounds nice, but I’m always...
RE: Weighing legal trouble vs. losing trust: which is worse after fraud?
Honestly, both sound like a nightmare, but paying double for years would seriously mess with my budget. I get why people worry about legal stuff, but how long does that “untrustworthy” label actually stick? Is it like a ...