Yeah, good points overall. Just to clarify though, PIP usually doesn't have a deductible in every state—depends on your policy and location. And you'r...

I've wondered the same thing... tech like adaptive cruise is great for comfort, but it might dull our reflexes over time. Seen a few claims lately whe...

I get your point about paying more upfront, but honestly, higher premiums don't always guarantee smoother claims. I've seen plenty of people with expe...

Good point about exclusions, they're sneaky. Had a client once whose policy covered hail but excluded "wind-driven debris"... guess what caused the da...

Had a similar scare a while back—someone tried booking flights to Hawaii on my dime. (At least they had good taste in vacations, right?) Took about a ...

Makes sense, but honestly... from what I've seen, not everyone has the discipline to actually put that extra cash aside. I've had clients swear they'd...

Yeah, seen this happen plenty of times. For minor stuff, it's usually smarter to just handle it yourself. But keep in mind, if there's another party i...

Yeah, gap coverage can definitely help, but honestly it's not a magic bullet. I've seen cases where people thought they were fully covered and still e...