Honestly, probably a bit of both. Older cars had fewer hidden sensors and delicate electronics, so minor bumps didn't usually lead to expensive surpri...

Fair points, but is politely bugging your adjuster really that effective? From what I've seen, adjusters juggle tons of claims at once—your polite rem...

You're spot-on about location playing a big role. Insurers definitely look at local stats—crime rates, theft frequency, accident numbers—because those...

Totally get your frustration—zip codes can feel pretty arbitrary sometimes. But have you looked into mileage-based or usage-based policies? They're no...

Have you checked if your current insurer offers any DUI forgiveness programs or specialized coverage options? Some companies quietly offer these, but ...

Yeah, DUI hits are rough—no sugarcoating it. But did your coworker check smaller local insurers? Sometimes they're a bit more forgiving...might not be...

Exactly. Had a similar case myself when my alternator went out after a minor fender bender. Insurance denied it straight away—claimed it was unrelated...

Yeah, it can definitely feel that way sometimes. Did you check if your insurer offers accident forgiveness or ticket forgiveness programs? Might help ...