Car insurance discussions and local services.
jdiver79
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Topics and replies this member has contributed.
RE: When The Other Driver Has No Insurance And Dings Your Car
Yeah, I hear you on the sticker shock with insurance. I used to think the same - why pay more when I’m already getting dinged for tickets and higher rates? But honestly, after my last fender bender (my fault, I’ll admit)...
RE: Letting Friends Borrow Your Car in NY - What Insurance Actually Covers?
Honestly, I’ve wondered the same thing. “Occasional use” is just so subjective - it feels like they leave it vague on purpose so they can deny claims if they want. I got dinged a few years ago because my cousin borrowed ...
RE: Deciding between just liability or going all-in with full coverage on Liberty Mutual
I get where you’re coming from, but I’ve always been a bit skeptical about just how much “peace of mind” full coverage really buys, especially with how insurance companies love to jack up rates after a claim. I drive a W...
RE: Bundling insurance with USAA: worth it or just hype?
Yeah, I hear you - bundling sounds great until you actually try to use it for something “outside the box.” I got burned a couple years ago when I tried to add my old beater truck to a USAA bundle and suddenly the price s...
RE: How did you feel after your first accident and dealing with insurance?
That’s way too relatable. My first time, I was so rattled I barely remembered my own name, let alone the whole “document everything” routine. Honestly, insurance companies make it feel like you’re on trial half the time....
RE: How did you feel after your first accident and dealing with insurance?
Honestly, I’ve had the same thought. After my last fender bender, I spent hours digging up every scrap of paper they asked for - old maintenance records, random receipts, you name it. Felt like overkill. But then again, ...
RE: Best ways to snag insurance discounts in Alaska: driving record vs. bundling?
Telematics sound good in theory, but I’m on the fence. I tried one of those apps for a few months - felt like Big Brother was in the passenger seat. Every sudden stop or late-night drive dinged me, even if it wasn’t reck...
RE: Weighing legal trouble vs. losing trust: which is worse after fraud?
Title: Weighing legal trouble vs. losing trust: which is worse after fraud? I get what you’re saying, but honestly, I’m not sure trust is always that easy to rebuild - at least not with everyone. Like, paperwork and r...
RE: Which Roadside Help Would You Trust More: AAA or Your Insurance Company?
Yeah, actually, once I had AAA and my insurance both send someone - total chaos. Ended up with two tow trucks and a lot of confused looks. Honestly, I don’t fully trust either to be consistent. Feels like a gamble every ...
RE: anyone else feel like AAA insurance isn't what it used to be?
Yeah, that’s exactly it. I’ve racked up more than my share of claims and honestly, “premium” just means a fancier card in your wallet. Last time I needed a tow, it was still the same two-hour wait and grumpy driver as ev...
RE: HOW DO YOU DECIDE ON THE RIGHT DEDUCTIBLE FOR YOUR INSURANCE?
I hear you on the “what if” anxiety - been there. But honestly, I’ve had a couple of fender-benders, and every time I’m stuck covering a big deductible, I regret not just paying a bit more monthly. Still, I get why folks...
RE: Just saved a chunk of cash on car insurance after defensive driving course
Honestly, I’ve had way more luck with the defensive driving course than the telematics tracker. The tracker flagged me for “hard braking” just because some guy cut me off - like, what was I supposed to do, hit him? The c...