Car insurance discussions and local services.
illustrator46
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RE: Comparing Illinois liability limits, deductibles, and total premium
The $500 versus $1,000 deductible comparison is most useful only after the quotes are made otherwise identical. Keep the liability limits, UM/UIM limits, rental reimbursement, roadside assistance, and other endorsements ...
RE: Letting Friends Borrow Your Car in NY - What Insurance Actually Covers?
I get what you’re saying, and I agree it’s easy to overthink these things. Still, I tend to err on the side of caution - insurance companies can be unpredictable when it comes time to file a claim. You mentioned: That...
RE: Do you really need extra insurance for a rental in Montana?
I’ve run into similar headaches, though not with a luxury car - just a regular sedan in Missoula. My credit card supposedly covered everything, but when the rental company wanted documentation for “loss of use” and admin...
RE: Would you risk a higher deductible to lower your insurance bill?
I get where you’re coming from - peace of mind is hard to put a price on. I’ve always leaned toward the lower deductible, even if it means paying a bit more each month. The idea of suddenly needing to cough up a grand or...
RE: Why does picking a deductible feel like a weird gamble?
Had to pay a $1,000 deductible last year after someone sideswiped my car in a parking lot. I’d just paid some medical bills, so yeah, it stung - a lot more than I expected. The “just save the difference” advice sounds go...
RE: Confused about Illinois car insurance rules - anyone else?
I've actually had to use rental coverage after a rear-end collision last winter. The other driver’s insurance was dragging their feet and my car was in the shop for almost two weeks. Honestly, I was glad I had it, even i...
RE: Medicare Advantage vs. Medigap: which one actually works better?
That’s a good way to put it - if you’re not traveling much or looking for a particular specialist, the network restrictions on Advantage plans don’t really get in the way. My neighbor is the same: he’s happy as long as h...
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.
I'm with you on this one. My car isn't exactly new either, but I've seen enough random stuff happen - fallen branches, hail, even a stray baseball - to know comprehensive coverage isn't just for newer vehicles. Sure, it'...
RE: Would your insurance hold up if your EV battery suddenly failed?
Had a similar scare myself last year - battery started acting weird, and my insurer seemed pretty unsure about the whole thing. Luckily, it turned out to be a minor software glitch, but yeah... makes me nervous about rea...