Car insurance discussions and local services.
fisher63
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Topics and replies this member has contributed.
RE: Preferred repair shop or independent shop after a collision?
I’d be careful with the suggestion that a loan or lease agreement necessarily requires OEM parts. Those contracts may focus on restoring the vehicle to its pre-loss condition and preserving its value, without specifying ...
RE: Letting teens borrow your car: add them to insurance or just trust the policy?
Yeah, I get where you’re coming from. My parents added me to their policy as soon as I started practicing, even though it bumped up their rates. They just didn’t want to risk it, especially after hearing stories like you...
RE: Getting Lost in the Maze of Uber and Lyft Insurance Rules
That’s wild. I’ve been super careful about this stuff too, and it still feels like I’m missing something. Has anyone actually had to file a claim during that “app on, waiting” window? Curious if the confusion carries ove...
RE: Which Roadside Help Would You Trust More: AAA or Your Insurance Company?
Honestly, I get the appeal of AAA, but I’m still not totally convinced it’s always better than what you get with insurance. My dad had the higher-tier AAA plan and yeah, it covered more miles, but he still had to wait fo...
RE: If You Had To Switch Insurance In Kentucky, Who Would You Trust?
Honestly, I’m with you on wanting someone local, especially since I’m still figuring out all the insurance stuff. I’d rather pay a little more than risk getting stuck in a mess if I ever have an accident. Chatbots just s...
RE: If You Had To Switch Insurance In Kentucky, Who Would You Trust?
That’s honestly my biggest worry - being stranded somewhere and not being able to get a real person on the line. I had a friend whose local agent just ghosted her after a fender bender, which kinda freaked me out. I’d ra...
RE: Do you really need extra insurance for a rental in Montana?
I tried relying on my credit card coverage once when I rented a car in Colorado, and honestly, it was kind of a headache. They wanted all this paperwork and proof, and the process dragged on for weeks. I get why people j...
RE: Finding decent car insurance deals on the islands - my step-by-step
Bundling sounded good to me too, but I got tripped up by some weird exclusions in the policy. Like, roadside assistance wasn’t included unless I paid extra, which was a bummer. And yeah, uninsured motorist coverage is a ...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
Yeah, that’s kinda what freaks me out about letting anyone else drive my car. I’m still on my parents’ policy (student driver life), and they’re super strict about who gets behind the wheel. I used to think “permissive u...
RE: Would your insurance hold up if your EV battery suddenly failed?
Yeah, that’s exactly what’s been bugging me about EVs. Like you said, It’s not just a part you swap out and move on - it’s the heart of the thing. I read somewhere that some insurance policies don’t even cover battery f...
RE: Confused about Illinois car insurance rules - anyone else?
I've been on the fence about dashcams too, mostly because I'm still getting used to driving and don't want extra distractions. But hearing stories like yours makes me think twice. Honestly, anything that helps avoid insu...
RE: Ever had to deal with car insurance claims in SD? Quick poll
Honestly, I felt the same way about switching - paperwork and phone calls are my personal nightmare. 😂 But after my first minor fender-bender (totally my fault, rookie mistake), my rates shot up like crazy. I was...
RE: Finding affordable car insurance in Hawaii when you're labeled "high-risk"
Yeah, I get the privacy thing, but honestly, trackers aren't always terrible. As a new driver labeled high-risk, mine actually helped lower my premiums a bit. Still cautious about it, but it's worth considering, at least...
RE: quick heads-up on Arkansas auto insurance basics
I see your point, but honestly, if my car was older and not worth much, I'd probably still skip collision. I mean, repairs suck, but paying premiums month after month for a car that's barely worth fixing anyway... doesn'...
RE: anyone else feel like AAA insurance isn't what it used to be?
You make a fair point, but I wonder if it's less about AAA spreading too thin and more about increased demand overall. I mean, roads seem busier than ever, and maybe more people are relying on roadside assistance these d...