Car insurance discussions and local services.
james_garcia
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RE: When The Other Driver Has No Insurance And Dings Your Car
Had a guy once tell me he had “full coverage” and thought that meant his car was basically indestructible. He was shocked when I explained his policy didn’t cover the mysterious shopping cart that attacked his bumper. It...
RE: Shelter vs. State Farm for home insurance in Missouri - any strong opinions?
Had a neighbor whose basement flooded last year - State Farm handled it pretty quick, but the paperwork nearly drove him to drink. Shelter’s adjuster once brought cookies to my aunt’s house after her kitchen fire... but ...
RE: Getting caught without car insurance in Iowa is no joke
Had a trooper once flip my card over like he was checking for secret codes - felt like I was on a game show. Other times, they barely glance. I think it’s half mood, half how bored they are that shift. That plastic sleev...
RE: Car insurance in Wyoming: who actually treats you right?
That’s the most Wyoming thing I’ve read all week - deer vs. Camry, round 47. Honestly, you nailed it about warranties. Half the time, they’re like those “free drink” coupons you find in your glovebox three years after th...
RE: is accident forgiveness really worth it in Ohio?
Coffee and roundabouts - now there’s a combo I’ve seen a few times in claim reports. Honestly, I’ve worked with plenty of folks who swear they’re magnets for mishaps, and it’s wild how fast those rates can jump after jus...
RE: Confused about insurance rules in South Dakota - help me figure this out
Been there with the “frozen phone panic” - mine locked up right as I was getting pulled over outside Rapid City last winter. Officer just kind of sighed while I tried to reboot it, then said, “Paper works faster.” He did...