I hear you on the phone thing—mine’s usually at 3% when I need it most. I keep a paper copy of everything too, just in case. Once had to show an offic...

Couldn’t agree more. I tried going barebones once—felt like I was tempting fate every time I hit the highway. As for roadside assistance, I caved afte...

Right? I’ve had reps swear up and down that my “defensive driving” certificate would stack with my accident forgiveness, then I get the paperwork and—...

Man, I feel this one in my soul. I swear, if there’s a deer within a five-mile radius, it’s got my license plate memorized. I’ve had more “oh no” mome...

Honestly, I’ve had insurance pay out without a police report—just photos and a statement. It wasn’t exactly smooth sailing, but it didn’t turn into a ...

That’s brutal. Insurance companies love their loopholes—sometimes I think they train agents to spot any excuse to deny a claim. I’ve had similar heada...

I’ve wondered about this too, especially after getting all excited about a “military discount” only to realize it barely made a dent in the premium. I...

I totally get the dart-throwing analogy...been there myself more times than I'd like to admit. As someone who's unfortunately earned the "high-risk" b...

Honestly, it's surprisingly common. Had a similar run-in myself—barely tapped a parked car, zero visible marks, figured it was nothing. But the owner ...

Couldn't agree more—I feel like my insurance company probably has a dartboard with my face on it at this point. One thing that's helped me a bit (asid...

From my experience, unions usually do send out notifications, but they're not exactly flashing neon signs—more like subtle nudges buried in emails or ...