Car insurance discussions and local services.
hunter_evans
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Topics and replies this member has contributed.
RE: Letting teens borrow your car: add them to insurance or just trust the policy?
I totally get where you’re coming from. The “occasional driver” thing is just vague enough to make you nervous, right? I’ve always wondered how insurance companies actually define it - like, is once a month too much? Onc...
RE: Avoiding hefty fines for driving without insurance in OK - how I do it, but is there a better way?
That’s exactly my worry. I mean, tech is great until it isn’t - batteries die, apps freeze, and then what? Has anyone actually had a cop refuse to wait while you reboot your phone or dig for the app? I keep a paper in th...
RE: Would you risk a higher deductible to lower your insurance bill?
I totally get what you mean about the “just in case” fund turning into something else. That’s happened to me more than once - planned to set aside money for emergencies, but then the car needed brakes or my kid’s laptop ...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
I get the logic behind just adding someone, but isn’t there a line somewhere? Like, if a friend’s just borrowing your car for a quick grocery run, do we really need to call the insurance company every single time? I mean...
RE: If You Had To Switch Insurance In Kentucky, Who Would You Trust?
I hear you on the agreed value thing - some companies just don’t get it. I’ve always wondered if it’s worth sticking with the local agents versus those online-only outfits. My last claim, I had to chase someone down for ...
RE: is accident forgiveness really worth it in Ohio?
I hear you on the deer - had one jump out at me last fall, and I swear my heart rate didn’t go back to normal for an hour. Like you said, . My only hesitation is whether the extra cost for accident forgiveness actually p...
RE: Why can’t I use my points AND a coupon at checkout?
Yeah, that’s what gets me too. I always wonder if they’re hoping folks won’t notice the fine print. Have you ever tried asking at the counter if they’ll make an exception? Sometimes it’s just a system thing, but I agree ...
RE: Rental car insurance: worth it or just a money grab?
That’s exactly what gets me every time - just the sheer uncertainty of it all. I always wonder, is it really worth risking a big bill just to save a few bucks on coverage? I’ve got solid auto insurance, and my credit car...
RE: Little-known trick with Progressive’s roadside help
I’d actually be careful about sending photos before they officially request them. Not every roadside service is set up to handle unsolicited pics, and I’ve heard of cases where info gets lost or mixed up. I usually wait ...
RE: Someone smashed my parked car - deal with insurance or call the cops?
That’s exactly it. I used to think snapping a bunch of photos and saving every scrap was just being paranoid, but after my last fender bender, I was glad I had everything. Ever had an adjuster ask for something random, l...
RE: Little-known trick with Progressive’s roadside help
I get where you’re coming from - these “smart” features can be more trouble than they’re worth sometimes. Ever had your car refuse to unlock because it didn’t “detect” the fob, even though it’s right in your pocket? Happ...
RE: is accident forgiveness really worth it in Ohio?
Never really trusted those “forgiveness” perks myself. I remember when my cousin rear-ended someone in Columbus - first accident in over a decade, totally his fault. He thought the forgiveness would save him, but his ins...
RE: CLASSIC CAR STORAGE: ARE NEW CITY RULES GOING TOO FAR?
Yeah, I get where you're coming from, but I'm wondering how practical temporary permits would actually be? Like, how would the city officials verify that someone's genuinely waiting on parts and not just using it as an e...
RE: Car Insurance in Delaware - Any Hidden Gems or Hacks?
That's pretty funny about the lane assist thing, reminds me of when my insurance rep asked if my old '95 Civic had anti-theft devices. Told her the only anti-theft device was the rusted door handle that even I couldn't o...
RE: just saw a story about a guy in Kansas whose car got totaled by hail, and turns out his insurance didn't cover it.
Honestly, I wouldn't worry too much about raising flags by asking questions. I've had car insurance for years now, and in my experience insurers usually appreciate you clarifying things upfront rather than disputing them...