Car insurance discussions and local services.
lisaw94
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Topics and replies this member has contributed.
RE: How picking a “boring” car turned into a wallet win
I mean, I totally get where you’re coming from. I drive a German luxury sedan - supposedly “fun” and “reliable” - but let’s just say the repair bills have more personality than the car sometimes. Is it really possible to...
RE: Car insurance in Wyoming: who actually treats you right?
Three years is wild. I mean, what if you’re just unlucky in year two? I had a similar runaround when I was shopping for coverage for my S-Class. The vanishing deductible thing is basically a unicorn here too. Do you ever...
RE: What happens if your rideshare app is between trips and you get into an accident?
I get where you're coming from, but I think it’s possible to get pretty close to “full coverage” if you’re willing to pay for it. I added a rideshare endorsement to my policy after my friend had a nightmare claim situati...
RE: Mileage-based car insurance: who’s using it and which company do you like?
That’s a fair point. I use Metromile for my weekend car, and honestly, the device just tracks miles - not location or time specifics, at least according to their FAQ. But yeah, if you lend your car to someone, those mile...
RE: USAA vs State Farm: which claims process is less of a headache?
I’ve noticed the same thing with my last claim - my car’s loaded with tech, and it felt like every ding needed a photo shoot. Do you think it’s just because all those sensors are so pricey to fix? Or maybe adjusters get ...
RE: Why California’s minimum car insurance might not be enough
I get where you’re coming from, but have you seen what it costs to fix even a minor scrape on something like a Tesla or a BMW lately? My last bumper repair was almost double what I thought it’d be, just because of sensor...
RE: Why can’t I use my points AND a coupon at checkout?
I’ve actually tried splitting up my purchases a couple times, thinking I could outsmart the system and stack both the points and the coupon. Sometimes it worked, but honestly, it felt like a coin toss. One time, I bought...
RE: What happens if your rideshare app is between trips and you get into an accident?
That’s rough - your cousin’s story is exactly what worries me about driving my car for any kind of gig work. I’ve always wondered, does anyone actually have a policy that fully covers those “between rides” moments? Or i...
RE: How do they actually decide when a car is “totaled”?
I get where you’re coming from, but I’ve actually had a different experience with insurance and upgrades. I had a set of forged wheels and a custom exhaust on my last S-class, and when it got sideswiped, the adjuster did...
RE: just saw a story about a guy in Kansas whose car got totaled by hail, and turns out his insurance didn't cover it.
I get where you’re coming from, but I guess my perspective’s a bit different since I’ve always driven newer cars. For me, the thought of a random hailstorm trashing my ride is just too much stress, especially after seein...
RE: Would your insurance hold up if your EV battery suddenly failed?
That’s pretty much what I’ve heard too - unless the battery goes up in smoke or gets crunched in an accident, insurance just shrugs. I’ve got a friend with a Model S who tried to claim when his battery bricked itself aft...
RE: How do they actually decide when a car is “totaled”?
I’ve wondered the same thing - sometimes it feels like there’s a whole secret society of adjusters with their own rules. I’ve had them totally ignore receipts for detailing or aftermarket stuff, but then, like you, I onc...
RE: Why can’t I use my points AND a coupon at checkout?
I get where you’re coming from, but I’m not totally convinced it’s all some big scheme to make us pay more. I mean, yeah, it’s annoying when you can’t stack rewards and coupons - especially when you’ve spent ages racking...
RE: bumped someone's car lightly, no visible damage - should I report?
Yeah, that's been my experience too. But I wonder if it's different with higher-end cars - do insurers get pickier about reporting even minor bumps when pricier vehicles are involved?
RE: Car Insurance in Delaware - Any Hidden Gems or Hacks?
Dash cams definitely have their moments, don't they? Mine saved me big-time once when someone backed into my parked car at a coffee shop and tried to claim I rear-ended them. Crazy, right? But yeah, you're spot-on about ...