Yeah, mods almost never get factored in unless you’ve got receipts and specifically added them to your policy. People get mad at us for the “total los...
“Full coverage” is one of those terms that gets tossed around a lot, but honestly, it’s more of a marketing phrase than anything. I’ve seen plenty of ...
You nailed it. I can’t count how many times I’ve handled claims where someone thought they were being clever by cranking up their deductible, thinking...
Yeah, that “Period 1” mess is a headache. I’ve actually handled a couple of claims where drivers thought they were covered, only to find out their per...
I get what you mean about the price, but honestly, I’ve seen both sides of this coin. I’ve worked with folks who switched to those online-only compani...
Honestly, I’ve seen a lot of folks get tripped up thinking mechanical breakdown coverage is some sort of golden ticket. It’s not as clear-cut as peopl...
Couldn’t agree more about agents just reading off the script. I’ve lost count of how many times I’ve seen folks get burned because they relied on what...
Had to jump in here. The idea that adjusters are out to downplay everything isn’t always fair. I get why people feel that way, but it’s not like we’re...
Honestly, those price-checker sites are just a baseline in my book. I get why people use them, but I’ve seen way too many cars with “clean” numbers on...
I see this all the time—people think they’re gaming the system with a high deductible, then one random fender bender wipes out any savings. Honestly, ...
Honestly, unless you've got solid footage or a witness, cops won't do much. Insurance-wise, if your deductible's high, it's probably not worth the has...
Casual pics can definitely help—I've seen plenty of claims where a quick phone snap saved someone a huge headache. But insurers often still want their...
I get where you're coming from, but comprehensive coverage isn't always the slam dunk it seems. Sure, hailstorms or random deer collisions make it fee...
Yeah, Farm Bureau's definitely quicker on the phone. Had a claim last winter—icy roads, fender bender, the whole mess—and their rep picked up right aw...
Did the defensive driving thing a couple years back—mostly because I had a speeding ticket haunting me and figured, why not kill two birds with one st...