Car insurance discussions and local services.
karenswimmer
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Topics and replies this member has contributed.
RE: Getting Lost in the Maze of Uber and Lyft Insurance Rules
Those deductibles really are wild. I’ve looked at the breakdowns and it’s honestly confusing - like, why is there such a massive jump between “waiting for a ride” and “on a trip”? It almost feels like they’re banking on ...
RE: When The Other Driver Has No Insurance And Dings Your Car
Can’t argue with that. I thought “full coverage” meant I was set, but after a fender bender last year, turns out my policy didn’t cover aftermarket parts at all. Did anyone else ever have to fight their insurer over what...
RE: Mileage-based car insurance: who’s using it and which company do you like?
I get the privacy hesitation. Even if “phones track us,” there’s something about a car that feels more personal, like it’s one of the last places you can just exist without being pinged or logged. I know it’s not really ...
RE: Why does picking a deductible feel like a weird gamble?
I get where you’re coming from, but I’ve always leaned toward a higher deductible just because the monthly savings add up over time. Had to pay out of pocket once for a cracked mirror, and yeah, it stung, but I did the m...
RE: anyone else feel like AAA insurance isn't what it used to be?
Title: AAA Insurance Just Feels Slower Lately Yeah, I’ve noticed the same thing - claims just don’t move as fast as they used to. I had a minor scrape in a parking lot last fall and expected it to be a quick fix, but it...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
Honestly, the “grilling” from the adjuster is way too real. I had a similar situation last year - my neighbor borrowed my car for a “quick errand” and sideswiped a mailbox. The claim technically went through, but the qu...
RE: Little-known trick with Progressive’s roadside help
I’ve wondered about the service area thing too. I haven’t personally had an issue, but a friend of mine got stuck outside a small town and had to wait hours because the nearest tow truck was so far away. Makes me curious...
RE: WHEN DOES PAYING EXTRA FOR MEDICAL COVERAGE ON AUTO POLICIES MAKE SENSE?
WHEN DOES PAYING EXTRA FOR MEDICAL COVERAGE ON AUTO POLICIES MAKE SENSE? It’s interesting you mention the classic car angle - makes me wonder if insurance companies really do get tripped up by “unusual” vehicles when it...
RE: bumped someone's car lightly, no visible damage - should I report?
I get where you’re coming from, but isn’t there a risk of over-reporting too? I mean, if you call in every tiny bump, doesn’t that just give your insurer more ammo to hike your rates or even drop you down the line? I’ve ...
RE: Insurance renewal hikes caught me off guard
I get where you’re coming from, but I’m not totally convinced timing doesn’t matter at all. I’ve actually tracked my renewal quotes a few times - yeah, kind of nerdy, but whatever - and noticed small dips in late summer ...
RE: Confused about Illinois car insurance rules - anyone else?
I’ve wondered about that too - does Illinois actually require a paper copy, or is a digital version technically fine? I’ve read mixed things online. Curious if anyone’s ever actually been asked for the physical card by a...
RE: how bad would insurance spike after a DUI in Idaho?
Good question - I doubt it's just Idaho. Smaller companies probably have more flexibility to look at individual circumstances, while the big names might rely heavily on standardized risk assessments... just guessing thou...
RE: Car Insurance in Delaware - Any Hidden Gems or Hacks?
Had a similar experience here in Dover...got dinged constantly for "hard braking" at stoplights. Makes me wonder - do these trackers even consider city vs. highway driving? Seems like they're designed more for rural area...
RE: finally found an insurance company in CA that doesn't drive me nuts
Haha, seriously. Makes me wonder - do insurance companies even factor wildlife encounters into their risk calculations, or is it just lumped under general collision? Seems like animals deserve their own category by now.....
RE: hypothetical fender bender in Seattle - how's your insurer handle it?
Yeah, good points about accident forgiveness - definitely worth checking. Have you looked into how your insurer defines a "minor" incident? Some companies have specific dollar amounts or criteria that determine whether a...