Man, you nailed it with the “black box” description. I learned that the hard way with my last car—a 7-series BMW with more bells and whistles than a C...

Had the same thing happen with my old 7-series. Babied that car, detailed every month, but the adjuster just shrugged and pointed at his little chart....

I used to roll my eyes at uninsured motorist coverage too—until some genius decided to “customize” my side mirror in a Whole Foods parking lot and van...

Man, you nailed it. I once let the insurance pick a “preferred shop” for my S-Class and ended up with a windshield that whistled louder than my kettle...

Man, I hear you on the loyalty thing. I babied my car, paid every bill on time, and still got hit with a rate hike after one little scrape in a parkin...

Haha, I learned this the hard way. When my garage flooded last spring (long story involving a busted pipe and my neighbor's overly ambitious DIY plumb...

Haha, mechanics charging extra for insurance headaches sounds about right. Mine didn't charge extra exactly, but he definitely made sure I knew how mu...

Had a similar experience myself—not DUI related thankfully—but after a minor fender bender in my Mercedes, my insurer initially jacked up the rates qu...

Haha, relatable... I drive a luxury car, and after my DUI, the insurance spike felt more like funding their private yacht. Defensive driving definitel...

Haha, your cooler story hits home—I once had a run-in with a rogue shopping cart that left my bumper looking like abstract art. Insurance tried the sa...