I hear you on the rent and food thing—been there myself. But honestly, after a minor fender-bender a couple years back, my perspective shifted big tim...

Totally get your point about balancing risk and reality—been there myself. When I was younger, I opted for minimal coverage too, because honestly, it ...

Yep, certified mail's saved my bacon more than once. Insurance companies are pros at the "we never received it" game, haha. Another handy tip: always ...

Yeah, agreed—it's worth pushing back a little. Insurance companies sometimes label hail damage as "cosmetic" to limit payouts, but dents and paint chi...

My neighbor had something similar happen—barely bumped a parked car, nothing visible at all. A week later, the other driver said their blind spot sens...

Good call on the defensive driving course—it's surprising how much insurers value those. I did one a couple years back after a minor fender-bender, an...

Good point about pushing back on definitions, but honestly, most insurers I've dealt with clearly separate cosmetic from structural damage. Usually, h...

I'd be careful assuming minor cases always end in probation or fines. A friend of mine got tangled up in something similar—he genuinely didn't know at...

Yeah, totally agree—your car type matters. But remember, liability covers damage you cause to others, not your own repairs. Still, pricier cars often ...