Car insurance discussions and local services.
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RE: When does Kansas PIP pay medical bills if health insurance also applies?
I’d separate the deductible from the benefit limit here. Whether health-plan-paid charges count toward the PIP deductible depends on the applicable policy wording and how the insurer applies it; that’s not the same as th...
RE: When does Kansas PIP pay medical bills if health insurance also applies?
The billing order turns on the coordination language, not just on the fact that Kansas PIP and health insurance both apply. Check whether the auto policy makes PIP primary or coordinates it with health coverage, then ask...
RE: Best ways to snag insurance discounts in Alaska: driving record vs. bundling?
I’ve noticed the same thing - my clean record did way more for my premiums than bundling ever did. I drive a newer Mercedes, and honestly, the insurer seemed more interested in my driving history and where I keep it park...
RE: Cutting my car insurance bill in half - didn’t think it was possible here
That’s exactly what bugs me about these tracking apps. I drive a coupe that sits pretty low, so I’m always weaving around potholes and random stuff in the road. The app I tried last year dinged me for “hard steering” eve...
RE: Getting Lost in the Maze of Uber and Lyft Insurance Rules
That’s honestly the only way to survive these days. I’ve got a folder on my phone just for insurance docs and random “just in case” photos. Ever tried getting a straight answer about coverage if you’re driving a high-end...
RE: What to do when the other driver has no insurance
Honestly, I’ve started questioning whether it’s even worth getting the police involved for these minor scrapes, especially when the other driver doesn’t have insurance. Last year, someone dinged my S-Class in a parking l...
RE: Do you really need extra insurance for a rental in Montana?
Honestly, I’ve had a rental in Montana during elk season and let’s just say, those “comprehensive” policies suddenly look a lot more appealing when you see the size of the wildlife. Ever tried arguing with a rental compa...
RE: Roadside help added to my insurance - totally worth it?
Curious if anyone’s actually compared response times between insurance roadside and AAA? I’ve heard luxury brands sometimes offer their own roadside too - has anyone tried those, and are they any faster or just more expe...
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.
“Full coverage” is definitely one of those terms that sounds reassuring but doesn’t really mean much until you dig in. I’ve actually called my agent a few times - especially after hearing stories like the hail thing - ju...
RE: Insurance tips for my vintage ride needed
Mixing digital and paper records is definitely the safest bet - I've had a USB drive go missing and a hard copy get water damaged in the same year. About the original parts, do you photograph them before swapping? Some i...
RE: Which is better for SR-22 in ND: local agents or online companies?
I get the appeal of doing everything online - fast, easy, no need to talk to anyone. But I’ve always wondered about the fine print. Like, when you’re insuring something a bit more... valuable, is there ever a risk that a...
RE: stuck between Geico and Progressive in NY, thoughts?
I’ve noticed the same thing with certain shops - some just seem to have a “system” with the insurers, while others are totally lost. But I’m curious, has anyone actually had a shop push back on using OEM parts versus aft...
RE: CLASSIC CAR STORAGE: ARE NEW CITY RULES GOING TOO FAR?
Yeah, I hear you. I’ve had my S-Class parked for a while during restoration, and I kept wondering if the neighbors thought it was abandoned. The tricky part is, who decides what’s “neglected” versus “in progress”? Some f...
RE: Finally figured out how car insurance works in no-fault states
I've switched insurers a few times, and honestly, premiums dropped initially but crept back up after a year or two. Maybe loyalty does matter, or maybe insurers just bank on us not paying attention long-term... Have you ...
RE: Car Insurance in Delaware - Any Hidden Gems or Hacks?
Good points about checking financial stability, but have you ever tried negotiating directly with the repair shop instead? I've found some luxury dealerships will actually help push insurers along if you ask nicely... mi...