Honestly, the “app on, no passenger” loophole drives me nuts. I’ve had clients swear they were covered, only to find out the hard way that their perso...

I hear you on that—paperwork can be a headache, especially when it comes to keeping everything current. I’ve seen way too many claims get delayed beca...

It really does feel random, but there’s actually a lot of data behind it—even if it doesn’t always make sense to us on the ground. The thing is, insur...

Honestly, I’ve seen claims get messy when someone “borrows” a car more than just once in a while. Permissive use usually works for the odd favor, but ...

Honestly, I’ve seen both sides. USAA’s app is slick, but if your claim hits a snag, it’s tough getting a real person to take ownership. State Farm mig...

I get where you’re coming from. I’ve had clients call me after a breakdown, frustrated because they thought AAA would cover everything, only to find o...