Car insurance discussions and local services.
hbaker73
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Topics and replies this member has contributed.
RE: Finding decent car insurance deals on the islands - my step-by-step
I’ve actually had a customer call in about this exact thing - she was fuming because her “hard braking” score tanked after dodging a sheep that wandered onto the road. She sent us dashcam footage and everything. The syst...
RE: Why I was surprised to learn Nebraska requires uninsured motorist coverage
Man, you nailed it with the “are we arborists now?” bit. I’ve seen so many claims where the company expects folks to have X-ray vision for tree rot or to predict when a squirrel’s gonna chew through a branch. It’s wild. ...
RE: Why I was surprised to learn Nebraska requires uninsured motorist coverage
Title: Why I was surprised to learn Nebraska requires uninsured motorist coverage Man, I hear you on the “paying for every what if” part. I used to joke that insurance was like buying a lottery ticket for disasters - ex...
RE: Best ways to snag insurance discounts in Alaska: driving record vs. bundling?
I hear you, but honestly, sometimes bundling does work out - just not always in the way you expect. My neighbor bundled his auto and home, and suddenly his dog’s vet bills got covered (don’t ask me how, I think he sweet-...
RE: Finding decent car insurance in Delaware without losing your mind
Finding decent car insurance in Delaware without losing your mind Man, the Miata thing cracks me up - had a guy once ask if it was a motorcycle or a boat. You’d think by now they’d have at least heard of it, right? Mile...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
Man, the telematics thing cracks me up because my cousin tried it, thinking he’d get the “safe driver” badge. Turns out, the app dinged him for driving after 9pm - he works nights - and for braking when a squirrel darted...
RE: stuck between Geico and Progressive in NY, thoughts?
You’re not kidding. I’ve seen folks get tripped up by that more times than I can count. “Full coverage” sounds like it should cover, well, everything... but then you find out it’s more like “full-ish.” NY’s regs are a ma...
RE: Finally figured out how to stop worrying about roadside help running out
Man, that sounds like a story I'd tell. Had something similar happen years ago with an old Jeep Cherokee - thought I was being smart carrying around a spare tire, only to find out it was dry-rotted beyond saving when I a...
RE: Would your insurance hold up if your EV battery suddenly failed?
Insurance typically covers sudden, accidental stuff - not gradual wear. Had a guy once whose EV battery got fried by lightning (seriously), and insurance covered it fully. But regular battery degradation? Nah, that's war...
RE: Just saved a chunk of cash on car insurance after defensive driving course
Haha, your coffee story hits close to home. I had a rental once with lane assist that was way too aggressive - it would jerk the wheel slightly if I drifted even a tiny bit. First time it happened, I thought the car was ...
RE: Confused about Illinois car insurance rules - anyone else?
I totally get your confusion - insurance rules can feel like trying to untangle Christmas lights after they've been in storage all year. Collision coverage does handle your car repairs regardless of fault, but underinsur...
RE: lent my car to a friend, insurance got messy real quick
From what I've seen, insurers have always been a bit fuzzy on the whole "occasional driver" thing. Had a claim once where the guy swore his nephew only drove "occasionally"... turns out "occasionally" meant every weekend...
RE: saving cash on insurance when you're young and broke
Haha, coverage tweaking is a solid tip. I remember when I first started driving, I thought I was being super responsible by maxing out every coverage option possible. Then one day, after processing claims all day at work...
RE: CLASSIC CAR STORAGE: ARE NEW CITY RULES GOING TOO FAR?
Reminds me of when I had my old Camaro project parked out front. It wasn't even in bad shape, just needed some TLC and a fresh coat of paint. Still, neighbors complained enough that I ended up renting a storage unit to k...
RE: anyone else feel like AAA insurance isn't what it used to be?
I get where you're coming from, but honestly, I've had pretty decent luck with AAA over the years. Maybe it's just a regional thing or pure dumb luck, but they've bailed me out more times than I care to admit (and trust ...