Car insurance discussions and local services.
georgef33
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Topics and replies this member has contributed.
RE: Does car insurance help when a car breaks down?
On the original question about comprehensive and collision: an undrivable car isn’t automatically a covered repair. Those coverages generally apply when a covered event, such as a crash, fire, or theft, causes the damage...
RE: When The Other Driver Has No Insurance And Dings Your Car
I get what you’re saying about the frustration, but I’ve actually had a bit of a different experience with insurance and accessories. A few years back, my car got rear-ended and the impact trashed my aftermarket stereo a...
RE: Would you risk a higher deductible to lower your insurance bill?
I totally get the logic behind keeping monthly costs down, especially when you’ve got a good track record. Like you said, - and for a lot of folks, that’s true for years at a time. For me, though, I just can’t shake the...
RE: Avoiding hefty fines for driving without insurance in OK - how I do it, but is there a better way?
That calendar reminder idea is actually pretty smart - I’ve been burned by forgetting to update my insurance card more than once. The worst was a couple years back when I got pulled over for a rolling stop, and I had the...
RE: Weighing legal trouble vs. losing trust: which is worse after fraud?
Yeah, I totally get the frustration. I once had a renewal held up for weeks because I mistyped my apartment number - felt ridiculous at the time. You’re right about trust being hard to rebuild if it gets dinged, though. ...
RE: What happens if your rideshare app is between trips and you get into an accident?
Yeah, that part always made me nervous. I remember when I first started driving, I assumed my regular insurance would cover anything, but after digging into the fine print, turns out it wouldn’t even touch an accident if...
RE: Getting that student discount on car insurance… not as easy as I thought
I’ve run into this exact headache, and honestly, it’s wild how inconsistent the whole process is. Last semester, I tried submitting my “proof of enrollment” to two different insurers. First one kicked it back, saying the...
RE: Which Roadside Help Would You Trust More: AAA or Your Insurance Company?
I’ve had a similar experience with insurance roadside - it was cheaper, but when I actually needed it, I felt like I was just waiting... and waiting. One time, I was stuck in a grocery store parking lot after dark, and t...
RE: Insurance tips for my vintage ride needed
I hear you on the paperwork grind - it’s like every time I think I’ve got my ducks in a row, another form pops up. But I’ll admit, I’m probably more paranoid than most after what happened to my buddy. He had a ‘72 Chevel...
RE: WHEN DOES PAYING EXTRA FOR MEDICAL COVERAGE ON AUTO POLICIES MAKE SENSE?
WHEN DOES PAYING EXTRA FOR MEDICAL COVERAGE ON AUTO POLICIES MAKE SENSE? That’s a really fair question. I’ve run the numbers a bunch of times myself. I totally get the urge to trim “extras” when premiums keep inching up...
RE: How do they actually decide when a car is “totaled”?
That point about mods is spot on. I learned the hard way - had a dash cam and upgraded stereo in my last car, but never told my insurer. When it got rear-ended, they only factored in the base model value. Kinda frustrat...
RE: anyone else feel like AAA insurance isn't what it used to be?
That’s honestly the only way I got my roadside reimbursement processed last year. The bot kept “helpfully” closing my case every time I tried to upload a receipt. I ended up with a folder full of timestamped screenshots ...
RE: Deductibles and premiums - what's the real deal?
I totally get where you’re coming from. Last year, my youngest tripped over the dog and cracked a tooth - random stuff just happens with kids and pets. That unexpected ER copay stung, but it would’ve been way worse with ...
RE: Confused about Illinois car insurance rules - anyone else?
I’ve actually had an officer accept my phone screen in Illinois, but I always keep a paper backup just in case tech fails me - like yours did. I wonder if anyone’s actually gotten a ticket for just having digital proof? ...
RE: Confused about insurance rules in South Dakota - help me figure this out
Honestly, I’m right there with you on this. I’ve had just enough “technology fails at the worst time” moments to not trust my phone 100%. One time, my battery died while I was waiting for a tow truck in the middle of win...