Legal stuff really does have a way of following you around, even for stuff that seems minor at first. I’ve seen plenty of folks who thought a ticket o...

Yeah, it’s wild what they’ll flag sometimes. I’ve seen folks get hassled over aftermarket seat covers, too. Keeping photos is smart—saves headaches do...

Yeah, the market value thing always stings—especially when you’ve just put money into maintenance. I’ve seen folks surprised when tires or recent repa...

Honestly, I get where you’re coming from about “full coverage” being misleading, but I don’t think it’s realistic to expect hail to be standard everyw...

That’s a smart move. Shops will usually tell you straight up if they can push for OEM or if their hands are tied. In my experience, Geico and Progress...

That’s pretty much it. I’ve had clients call me from the side of the road in a panic because their phone died or the app glitched. Even though Illinoi...

That’s a good tip—claims adjusters really do look for any excuse to drag things out. I’d add, keep your insurance docs handy in your glove box. Saves ...

Yeah, AAA's great for everyday cars, but classics or anything unique...not so much. Had a similar issue with a client who owned a vintage Mustang—AAA'...

I see where you're coming from, and yeah, daily commuting can sharpen your reflexes a bit... but honestly, from what I've seen, more time on the road ...

Bundling can be convenient, but yeah, roadside assistance is one of those things where reliability matters more than saving a few bucks. Had a flat ne...

Been stuck roadside in Arizona myself—mosquitoes are ruthless out there. Farm Bureau's towing is decent, but State Farm usually offers longer distance...

Yeah, learned that the hard way once—thought my card covered everything until a cracked windshield cost me $300. Now I always double-check coverage de...

Sounds like you're thinking it through carefully, which is smart. I've seen plenty of folks save money with pay-per-mile, especially if they're mostly...