Car insurance discussions and local services.
gadgeteer788917
Discussion activity
Topics and replies this member has contributed.
RE: Running out of gas and waiting forever for help
Man, I get where you’re coming from. Getting stuck in the middle of nowhere is a nightmare, especially when it’s freezing out. I’ll admit, I still push it sometimes - like, I see that light come on and think, “Eh, I’ve g...
RE: Classic car insurance and the annual mileage cap - worth it?
Totally get where you’re coming from. I tried the mileage cap thing with my old Mustang and it just made me anxious every time I wanted to go for a drive. Like, what’s the point of owning something fun if you have to con...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
I hear you on the deer and hail thing - Kansas doesn’t mess around. I actually had to use my full coverage last year after a run-in with a raccoon of all things (didn’t even see it coming). The damage was way more than I...
RE: Getting caught without car insurance in Iowa is no joke
Yeah, I’m with you on the backup plan. I’ve had my phone die right as I was getting pulled over once - talk about timing. The cop wasn’t thrilled when I couldn’t pull up my insurance app, and honestly, I was sweating bul...
RE: Weighing legal trouble vs. losing trust: which is worse after fraud?
That “marked file” feeling is the worst, honestly. I had a similar thing happen with my insurance a couple years back - just a small claim after a fender bender, nothing major. Next renewal, my rates jumped and suddenly ...
RE: Do you really need extra insurance for a rental in Montana?
Man, that’s wild about the hailstorm. I’ve always wondered if those “acts of God” exclusions are just a way for insurance to dodge stuff they don’t wanna pay for. Like, what even counts as a weather event? I got dinged o...
RE: anyone else feel like AAA insurance isn't what it used to be?
Yeah, I’ve noticed the same thing lately. Used to be, if you had a couple tickets or a fender bender, they’d at least try to work with you. Now it feels like they’re just looking for reasons to tack on extra fees or deny...
RE: stuck between Geico and Progressive in NY, thoughts?
Man, I feel you on the paranoia - NYC insurance is wild. I’ve had a couple tickets and Geico’s “low” quote shot up fast once they saw my record. Did Progressive actually break down what their rate hikes were for, or was ...
RE: Confused about insurance rules in South Dakota - help me figure this out
I get the logic, but honestly, I just stick with digital. I know there’s a risk if my phone dies, but I’m already juggling enough paperwork in my car - registration, maintenance receipts, random fast food napkins... Addi...
RE: Confused about insurance rules in South Dakota - help me figure this out
Same here, except mine’s more like a junk drawer - old cards, fast food napkins, random receipts... it’s chaos. I’ve tried showing the digital proof before and got a look like I was trying to pull a fast one. Honestly, I...
RE: Insurance paid way less than what it cost me to replace my roof
Had something similar happen with my car last year. Insurance gave me a payout based on some "average market value," but when I actually went shopping around, everything decent was way pricier. Felt like they were using ...
RE: My insurance nightmare in Rhode Island traffic court
Man, that's rough... had something kinda similar happen with my old Camaro. Insurance said they'd cover repairs, but the shop threw in some "extras" without asking. Ended up paying way more than I expected. Makes you won...
RE: Insurance paid way less than what it cost me to replace my roof
Yeah, insurance adjusters can be pretty random sometimes. Had a similar experience last year when someone backed into my parked car. The adjuster started nitpicking about my cracked windshield and worn brake pads - like ...
RE: Finally figured out how car insurance works in no-fault states
I've been thinking about getting one myself, especially after reading your stories. But I'm curious, does having a dashcam actually lower your insurance premium, or is it more like a "peace-of-mind" thing? I mean, I get ...
RE: HOW DO YOU DECIDE ON THE RIGHT DEDUCTIBLE FOR YOUR INSURANCE?
Totally get where you're coming from. I'm considered high-risk, so lower deductibles mean hefty monthly payments - but man, one minor accident taught me it's worth avoiding that sudden financial hit. Traffic's definitely...