Car insurance discussions and local services.
jerrytaylor199
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Topics and replies this member has contributed.
RE: Dodged a bullet: finally got insured before getting pulled over
- Totally get what you mean about “extras” sneaking in. - Same here - learned the hard way after realizing I was paying for glass coverage on a car with plastic windows (convertible life...). - Curious if anyone’s eve...
RE: Do you really need extra insurance for a rental in Montana?
Honestly, I get the worry about “gaps” in coverage, but I’ve always wondered if the extra insurance is really worth it for everyone. A few things I think about: - Most credit cards already cover collision damage (not li...
RE: Do you really need extra insurance for a rental in Montana?
- Totally agree, regular insurance is usually fine for city driving, but Montana’s got some sneaky rough patches even on “paved” roads. - Anyone ever notice how those rental contracts define “off-road”? Sometimes just pu...
RE: is accident forgiveness really worth it in Ohio?
- My insurance tried to upsell me on accident forgiveness, but honestly, my car’s barely worth a grand. If I ever got in a fender bender, the rate hike might hurt more than the actual damage. Maybe it’s more for folks wi...
RE: Why does picking a deductible feel like a weird gamble?
- Totally hear you on the randomness. I drive over 100 miles a day for work and there’s just no way to predict what’ll happen, no matter how careful I am. - I’ve had one claim in 15 years - hailstorm out of nowhere, car ...
RE: Little-known trick with Progressive’s roadside help
- Totally get where you’re coming from on this. - Paper cards might seem old-school, but they’ve bailed me out more than once when my phone was dead after a long day or just acting up (which, let’s be honest, happens m...
RE: Little-known trick with Progressive’s roadside help
I get the digital angle, but I’ve actually had my phone die at the worst possible time - like, middle of nowhere, no charger, no signal. That’s when the crumpled paper card in my glove box saved me. - Screenshots are g...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
- Had a similar situation last winter - my cousin needed my car for a week while hers was in the shop. - Called my insurance just to be sure, and they said “permissive use” is fine for a day or two, but anything longer...
RE: What happens if your rideshare app is between trips and you get into an accident?
- That’s wild about your friend getting stuck with the bill. Makes me wonder how many drivers actually know their personal policy won’t cover them just for having the app on. - I’ve read that some insurers offer “ridesha...
RE: Insurance paid way less than what it cost me to replace my roof
- Totally get you on the “law degree” part - half the time I’m reading policy docs, I feel like I’m deciphering a puzzle. - Had a similar issue with my car insurance. They threw “actual cash value” at me, which basically...
RE: Would your insurance hold up if your EV battery suddenly failed?
Honestly, I get the frustration, but I’m not sure insurance should cover battery wear anyway. Like, if a tire wears out, they don’t pay for that either. The “gradual deterioration” thing seems fair for stuff that just we...
RE: Insurance tips for my vintage ride needed
- Been there with the dead phone, standing in the rain, trying to pull up my insurance info... not fun. - I’m with you on keeping paper stuff handy, but sometimes I forget to update it after changes - anyone else do th...
RE: Confused about Illinois car insurance rules - anyone else?
I get your point about underinsured motorist coverage, but honestly, I've always wondered if it's really worth the extra cost. A few winters back, I had a similar fender-bender - icy roads, someone slid into me at a stop...