Car insurance discussions and local services.
jamesbarkley275
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Topics and replies this member has contributed.
RE: Can routine service records show better pre-loss condition?
An invoice for an optional feature can document that it was purchased, not that it was still present or in better condition. I’d keep it separate from maintenance evidence and include it if the valuation treats that feat...
RE: Getting Lost in the Maze of Uber and Lyft Insurance Rules
I get where you’re coming from, but I’m not totally convinced about the rideshare add-ons. When I was shopping around, the “rideshare” policies my agent offered barely covered anything extra, especially for higher-end ve...
RE: Which Roadside Help Would You Trust More: AAA or Your Insurance Company?
That’s been my experience too. Had a flat on my S5 last year - insurance roadside sent a random local tow guy who looked at my wheels like they were made of glass. He actually asked if I wanted to sign a waiver in case h...
RE: Do you really need extra insurance for a rental in Montana?
I totally get that weird feeling when the rental counter starts throwing insurance jargon at you. I’ve rented everything from basic sedans to a pretty hefty SUV in Colorado, and my regular policy (plus the credit card th...
RE: HOW DO YOU DECIDE ON THE RIGHT DEDUCTIBLE FOR YOUR INSURANCE?
I hear you, but I keep wondering if the higher deductible actually makes sense when repairs on these newer cars can get crazy expensive. Like, would a $1k deductible even cover much if something big happened? Anyone else...
RE: Why can’t I use my points AND a coupon at checkout?
Honestly, I’ve always suspected it’s kinda like that too. It’s like when the valet at the dealership says “sorry, no double parking” - just feels like a rule that benefits them more than us. I once tried to use my reward...
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.
Man, that’s exactly it. I keep telling myself I’m just being paranoid, but then I remember the time a squirrel chewed through my neighbor’s convertible top. Not hail, but still - who plans for that? I pay a bit extra for...
RE: Can Military Folks Really Get Cheaper Insurance Rates?
Yeah, I’ve noticed the same thing with insurance companies. You’d think after years of driving (or, well, not driving because you’re deployed), they’d cut you some slack, but nah. I remember coming back from a long trip ...
RE: Insurance renewal hikes caught me off guard
Yeah, I feel you on the policy language getting more confusing every year. I swear, half the time I’m reading through my renewal, it’s like they’re inventing new ways to say “not covered.” I’ve tried pushing back on excl...
RE: Car Insurance in Delaware - Any Hidden Gems or Hacks?
Interesting point about aftermarket parts... I always wondered how much insurers really care about that stuff. Had a minor scrape last year with my Audi, and the body shop pushed hard for OEM parts. My insurer didn't bli...
RE: saving cash on insurance when you're young and broke
Haha, seriously relate to this. Tried one of those telematics apps for a month or two... felt like I was being judged every time I accelerated a little faster than grandma speed. Eventually just bundled my insurance with...
RE: stuck between Geico and Progressive in NY, thoughts?
I've been wondering about this too, especially since I'm driving a luxury car - do either Geico or Progressive handle high-end vehicle claims better in NY? I'd hate to get stuck with subpar repairs just to save a few buc...