Car insurance discussions and local services.
jon_whiskers
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Topics and replies this member has contributed.
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
That’s spot on. Permissive use is there, but with high-end cars, claims get complicated fast. I’ve seen folks surprised by how much their rates jump after a friend’s fender bender - even if it’s minor. Adding someone as ...
RE: Why does picking a deductible feel like a weird gamble?
Honestly, most folks are just crossing their fingers. Deductibles are a bit of a gamble, but you can tilt the odds a little by thinking about your savings and risk tolerance. If paying $1k out of pocket would sting, mayb...
RE: is accident forgiveness really worth it in Ohio?
I get where you’re coming from, but I’d push back a bit on the idea that accident forgiveness is just “handing over extra cash.” It’s true, you might never use it, and yeah, a dashcam is handy for daily stuff. But the re...
RE: WHY DOES FILING A TOTAL LOSS CLAIM FEEL LIKE HOMEWORK?
Honestly, I get the frustration with paperwork, but sometimes those extra docs really do help clear up disputes down the line. It’s not always about covering the company - sometimes it’s just about making sure there’s a ...
RE: Someone smashed my parked car - deal with insurance or call the cops?
Yeah, the whole “doesn’t look that bad” thing drives people nuts. Adjusters are trained to spot what’s real damage and what’s just cosmetic, but sometimes photos don’t tell the whole story. Lighting, angles, even your ph...
RE: is accident forgiveness really worth it in Ohio?
That’s actually pretty common. Accident forgiveness usually protects you from a major spike, but smaller increases can still happen - especially if your insurer adjusts rates for other reasons (like claims in your area o...
RE: My insurance nightmare in Rhode Island traffic court
Good points here, especially about checking your recordings regularly. I've dealt with several cases where dashcam footage would've made a huge difference, but either the camera malfunctioned or the files got corrupted. ...