Car insurance discussions and local services.
frodoj66
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Topics and replies this member has contributed.
RE: Deciding between just liability or going all-in with full coverage on Liberty Mutual
I hear you on the math not adding up for older cars. I’ve seen folks regret dropping full coverage after a hailstorm or when a deer jumps out - suddenly that “old beater” costs thousands to fix or replace. Ever had somet...
RE: Do you really need extra insurance for a rental in Montana?
You’re not kidding about that. I once had a customer try to claim a “mysterious” scrape on the oil pan after a weekend in Glacier. The thing is, most standard rental insurance skips over undercarriage, tires, and glass -...
RE: Do you really need extra insurance for a rental in Montana?
I get where you’re coming from, but I’ve seen a few folks get burned by assuming their personal auto policy would cover everything. One guy thought he was all set, then hit a deer outside Bozeman - turns out his policy d...
RE: Finding decent car insurance deals on the islands - my step-by-step
I hear you on the “full coverage” label being a bit of a maze, but honestly, I think sometimes people expect it to mean more than it actually does. I’ve seen folks get frustrated when they find out their policy doesn’t c...
RE: Which Roadside Help Would You Trust More: AAA or Your Insurance Company?
That five-mile limit gets people every time. I’ve seen folks end up with a $200 bill just because their car died a few exits too far from home. Insurance roadside always sounds cheap until you’re stuck on the shoulder do...
RE: USAA vs State Farm: which claims process is less of a headache?
USAA Vs State Farm: Which Claims Process Is Less Of A Headache? I hear you on the tech side of things. I’ve watched people breeze through USAA’s app - snap a few photos, upload receipts, and boom, claim’s moving. But I’...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
Can’t tell you how many times I’ve heard stories about those “safe driving” apps flagging folks for stuff that’s just part of living out here. I remember one guy - retired, drove the same truck for decades - swore his in...
RE: little-known ways to snag cheaper insurance in Alaska
Yeah, I hear you on those telematics things - they don’t always get the full picture, especially with Alaskan roads in winter. Bundling’s smart, though. I’ve seen folks save a fair bit that way, and honestly, peace of mi...
RE: CLASSIC CAR STORAGE: ARE NEW CITY RULES GOING TOO FAR?
I get why it feels like overkill, but honestly, I’ve seen claims go sideways just because someone couldn’t prove where their car was stored or what security they had. It’s a pain upfront, but when stuff goes missing or g...
RE: Would your insurance hold up if your EV battery suddenly failed?
I’ve seen both sides of that coin, honestly. There was this one claim where a guy had every receipt and service record since day one - made my job a breeze. But then, I’ve also had folks with barely a VIN scribbled on a ...
RE: Insurance headaches for risky drivers in NC - stick with big names or go local?
I've seen it go both ways, honestly. A few years back, a friend of mine had a pretty nasty accident - thankfully no injuries, but the car was totaled. He'd been with a smaller local insurer for ages because the premiums ...
RE: HOW DO YOU DECIDE ON THE RIGHT DEDUCTIBLE FOR YOUR INSURANCE?
Couldn't agree more with this. I've seen plenty of claims cross my desk where folks regretted chasing lower premiums without considering their actual driving conditions. Had a client once who upped his deductible right b...
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.
Yeah, rental coverage is one of those sneaky things that can really catch you off guard. I remember a few years back, I was handling a claim for a guy who had his car totaled by a deer (of all things). He assumed his com...
RE: Finally figured out how car insurance works in no-fault states
I definitely relate to that feeling of relief when you know you're covered. A few years back, I handled a claim for someone who had opted for a really high deductible to save money each month. They were super cautious, n...
RE: how bad would insurance spike after a DUI in Idaho?
True, but I'd still be cautious. A friend of mine took one of those courses thinking it'd help significantly, and while it did shave off a bit, his premium was still painfully high for years afterward. Better than nothin...