Car insurance discussions and local services.
historian82
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RE: Getting Lost in the Maze of Uber and Lyft Insurance Rules
Totally get where you’re coming from - been there myself after a fender bender with the app on. Here’s my quick breakdown after way too much policy reading: - “Full coverage” means nothing if you’re technically “working...
RE: Getting Lost in the Maze of Uber and Lyft Insurance Rules
Honestly, I think it’s not quite as confusing if you break it down by “periods” (what the insurance folks call them): - Period 0: App off = your personal policy. - Period 1: App on, waiting for a ride = limited coverage...
RE: Classic car insurance and the annual mileage cap - worth it?
- Been there, done that - pushed the cap one year and got flagged when I had to file a claim. - Insurance company wanted proof of mileage, and my odometer didn’t lie... Ended up with a denied claim. - Now I track eve...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
- 100% agree on that. I’ve tried dropping “extras” before, thinking I’d save, but ended up paying more out of pocket after a minor fender bender. - For high-risk folks like me, those add-ons aren’t just “nice to have” ...
RE: Renting a car: stick with GEICO or pay for the rental company’s insurance?
Had to deal with this last year - rear-ended a pole in a rental. My credit card did cover the repair, but they flat-out denied “loss of use” and admin fees. GEICO only covered part of it. Ended up paying out of pocket fo...
RE: Why Is PIP Mandatory In Some States But Not Others?
- From what I've read, a lot of it comes down to whether a state is "no-fault" or not. - Florida's no-fault, so PIP is built in. Texas isn't, so it's optional. - Accident rates probably factor in, but honestly, insur...
RE: Insurance tips for my vintage ride needed
Couldn’t agree more with keeping records, but I’d add a few things: - Take photos of your car every few months, especially if you do any upgrades or repairs. Timestamped pics helped me once when an adjuster tried to low...
RE: Can Military Folks Really Get Cheaper Insurance Rates?
I've been through this myself - military discounts sound great up front, but they're not always the best deal, especially if you're considered high-risk (like me, unfortunately). A few things I've personally noticed when...
RE: insurance denied my claim - what would you do?
Totally agree - been there myself. Dashcams are great for general context, but insurers always look for loopholes. A few things I've learned: - Take wide-angle shots of the entire scene, not just close-ups. - Document w...
RE: Hypothetical Car Accident: How Does PIP Insurance Actually Work?
Good points, but from experience I'd add: - Definitely notify your health insurer ASAP once you see you're nearing the PIP limit. - Keep a running spreadsheet of dates, amounts, and claim numbers - saved me big headache...
RE: insurance denied my claim - what would you do?
I've had similar headaches, especially with aftermarket mods and performance parts. Seems insurers love the "not necessary" card - until you point out their own fine print. Like you said: Saved me more than once...
RE: Leased Car Got Vandalized - Insurance Claim or Pay Out of Pocket?
Had something similar happen last year - someone backed into my leased car in a parking lot and left a nasty dent. Here's how I broke it down: - Got a couple quotes first to see actual repair costs vs. deductible. - Che...
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