Car insurance discussions and local services.
donnad94
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RE: Do you really need extra insurance for a rental in Montana?
- Been there. Rented a car in Billings last year, didn’t take the extra insurance. Got a door ding in a parking lot - no note, of course. - My personal auto policy covered it, but the paperwork was a slog. Lots of calls,...
RE: When The Other Driver Has No Insurance And Dings Your Car
- Been there with the “not covered” surprise - my aftermarket rims vanished from the claim, even though I had receipts. - One tip: if you ever upgrade your alarm system, make sure you note it with your insurer. Some co...
RE: Adding a teen driver in Hawaii: bundle with parents or separate policy?
- Had a similar experience with my son - rates went nuts, but I did manage to get a small discount after asking about every possible program (good grades, safe driver, etc). Not huge, but worth it. - In my case, a bit o...
RE: Adding a teen driver in Hawaii: bundle with parents or separate policy?
- Totally agree, bundling usually saves money, but it’s wild how much it can still jump with a teen. - One thing I noticed - if your cars are older or not worth much, you might be able to drop comp/collision on the tee...
RE: Why can’t I use my points AND a coupon at checkout?
- Been there too many times - feels like I’m playing a weird game of “how much embarrassment is $2 worth?” - Those lines get tense fast. I’ve definitely bailed on a discount just to keep things moving. - The staff th...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
Totally get that feeling. Here’s what I’ve learned after years of dealing with this stuff: - Permissive use usually covers friends/roommates, but there are always exceptions buried in the fine print. - Some companies ge...
RE: Car insurance in Wyoming: who actually treats you right?
Couldn’t agree more about the headaches with aftermarket parts - been there, done that, and it’s just not worth the hassle. Here’s how I look at it after a few decades of dealing with insurance companies and repairs in W...
RE: Is Paying For Roadside Help Worth It Or Just Extra?
Totally get where you’re coming from. I used to think having a spare $20 and a jack in the trunk meant I was set for anything, but things have changed fast. - For me, roadside assistance has paid for itself a couple tim...
RE: Why Is PIP Mandatory In Some States But Not Others?
- Yeah, the no-fault thing is a big part of it. In no-fault states, your own insurance covers your injuries regardless of who caused the accident, so PIP is basically the backbone of that system. - States like Florida an...
RE: Why can’t I use my points AND a coupon at checkout?
Yeah, I’ve hit that wall too. Drives me nuts when you think you’ve got a killer combo, then the cashier says, “Sorry, only one deal.” Like you said, Makes sense, but it still stings. I always try to do the math in my he...
RE: saving cash on insurance when you're young and broke
- I get where you're coming from, but I actually saved a chunk with a tracker last year. - My car's not new either - it's a '09 Civic - and yeah, city traffic is rough. - The first couple weeks were stressful, but after ...
RE: lent my car to a friend, insurance got messy real quick
Yeah, insurance companies can be surprisingly picky about this stuff. I've lent my car out a few times without issues, but after hearing some horror stories from friends, I decided to double-check with my insurer. Turns ...
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.
Totally agree about comprehensive coverage - it's one of those things you grumble about paying until something crazy happens. Had a hailstorm hit my area a few years back, golf-ball-sized chunks... neighbor's car looked ...
RE: lent my car to a friend, insurance got messy real quick
Good point about checking the fine print - it's easy to overlook those occasional driver clauses. A few years back, I lent my car to my sister for a week, and she ended up scraping a curb pretty badly. Thankfully, my ins...