Car insurance discussions and local services.
hadams34
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Topics and replies this member has contributed.
RE: Car insurance in Wyoming: who actually treats you right?
Yeah, it’s wild how the “mom and pop” shops talk up their personal touch, but sometimes you get more runaround than with the big chains. I once had a local agent forget my paperwork for weeks - meanwhile, the national co...
RE: Car insurance in Wyoming: who actually treats you right?
I’ve definitely had that “who’s actually in charge here?” feeling with insurance companies. Had a fender bender last winter - nothing dramatic, just a classic Wyoming ice patch and a mailbox that didn’t stand a chance. M...
RE: When The Other Driver Has No Insurance And Dings Your Car
Yeah, insurance policies are like reading IKEA instructions but with more legal jargon and fewer helpful diagrams. I’ve had agents breeze through the fine print too - makes you wonder if they’re paid by the word. For wha...
RE: Finding decent car insurance deals on the islands - my step-by-step
Couldn’t agree more. I tried the low mileage discount too - figured my car’s basically a glorified lawn ornament half the year, but the savings were barely enough for a cup of coffee. Meanwhile, the “multi-car” deal actu...
RE: How picking a “boring” car turned into a wallet win
How Picking a “Boring” Car Turned Into a Wallet Win I can definitely relate to the invisible sedan life. Years ago I picked up a silver Camry that looked like every other car in the grocery store parking lot. At first i...
RE: Do you really need extra insurance for a rental in Montana?
I once rented a car in Montana and thought my regular insurance had me covered, but then the rental agent started rattling off exclusions like it was a game show. Suddenly I’m wondering if driving down a gravel road to s...
RE: Car insurance in Wyoming: who actually treats you right?
I hear you - had an agent once who basically acted like my personal insurance ninja. She’d call me back before I even finished leaving a voicemail. The company’s rules are what they are, but a good agent can make the rid...
RE: If You Had To Switch Insurance In Kentucky, Who Would You Trust?
That’s the most accurate description I’ve seen yet. I remember sending in more photos of my garage than I did for my last vacation. The “boring daily driver” requirement cracks me up - like, sorry, my ‘02 Corolla isn’t g...
RE: stuck between Geico and Progressive in NY, thoughts?
Honestly, you nailed it - sometimes it feels like you need a law degree just to get your car fixed the way you want. I’ve had both Geico and Progressive too, and neither one made it easy. Hang in there... persistence rea...
RE: stuck between Geico and Progressive in NY, thoughts?
You’re not kidding about that. I once spent a solid hour on the side of the Cross Bronx with Progressive’s roadside “on the way” - which, as it turns out, means “eventually, maybe.” By the time help arrived, I’d already ...
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 actually a good point about the “gold-plated” health insurance not always saving the day. I had a buddy who ended up with a bill for an amb...
RE: Drowning in Forms: What If Your Insurance Docs Got Lost?
I hear you on the paper chase - it’s like some kind of scavenger hunt, except the prize is just being allowed to drive home. I once watched a guy at the DMV try to explain that he had a photo of his insurance card “somew...
RE: Finally figured out how to stop worrying about roadside help running out
Been there myself... thought I was fully covered until reality hit at 1 AM on a deserted highway. My trusty hatchback decided to call it quits, and like you, I figured my "premium" roadside assistance would have my back....
RE: Finally figured out how car insurance works in no-fault states
I totally see your point about paying extra for peace of mind, especially after your rainy-day rear-end experience (ouch, by the way). But honestly, I've been driving for years now and haven't had anything worse than a f...
RE: Hypothetical Car Accident: How Does PIP Insurance Actually Work?
Totally agree on the sneaky costs of copays and deductibles. I used to think PIP was just another way insurance companies squeezed money out of us, but after my coworker slipped on ice last winter and ended up needing mo...