Car insurance discussions and local services.
jcampbell95
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Topics and replies this member has contributed.
RE: Do you really need extra insurance for a rental in Montana?
That story about the gravel driveway hits close to home - I had a similar thing happen when I borrowed my aunt’s car for a weekend trip. Thought I was being careful, but a tiny rock managed to crack something underneath,...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
I totally get where you’re coming from. My mom was super strict about this when I started driving - she wouldn’t even let my best friend take the car around the block because she was worried about something exactly like ...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
That’s exactly what worries me about those tracking apps. I tried one for a week and it dinged me for “hard braking” when I slowed down for a deer, which is just normal Kansas driving, right? Makes me wonder if they expe...
RE: Why California’s minimum car insurance might not be enough
Yeah, I totally get where you’re coming from. I used to just go with the minimums too, mostly because it was all I could afford when I first started driving. But then my cousin got rear-ended and the other driver only ha...
RE: USAA vs State Farm: which claims process is less of a headache?
That “court case” vibe is way too real. I remember when my mom’s car got rear-ended - she had to send the same photos and paperwork three times before State Farm would even talk about repairs. It’s like they’re hoping yo...
RE: Why does picking a deductible feel like a weird gamble?
That’s exactly how it feels for me too. I swear, the one time I tried to save money with a higher deductible, I ended up scraping my bumper in the school parking lot. It’s like the universe knows when you’re trying to be...
RE: Confused about insurance rules in South Dakota - help me figure this out
I totally get what you mean - my instructor actually told me to always carry both, just in case. I had a friend who got pulled over and tried to show her insurance on her phone, but the officer wasn’t having it. Made her...
RE: Bundling insurance with USAA: worth it or just hype?
I hear you about separate policies feeling safer. My parents always kept their auto and home insurance apart, just in case one company tried to sneak in some weird clause or rate hike. I’m still new to all this, but when...
RE: What happens if your rideshare app is between trips and you get into an accident?
I’ve actually worried about this exact scenario. My cousin drove for Uber last summer and got sideswiped while waiting for a ride request - app on, just sitting in a parking lot. His regular insurance wouldn’t touch it o...
RE: Which Roadside Help Would You Trust More: AAA or Your Insurance Company?
I get what you mean about hidden fees, but honestly, I’ve had the opposite experience with my insurance’s roadside. Maybe it depends on the company, but mine actually spelled out what was covered pretty clearly in their ...