luckyskier
luckyskier
@luckyskier
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Topics: 0 / Replies: 14
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RE: Classic car insurance and the annual mileage cap—worth it?

I totally get the urge to fudge the numbers a bit when you’re close to the cap—tempting, but yeah, it’s a gamble. I’ve seen claims get denied just bec...

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RE: How do they actually decide when a car is “totaled”?

It definitely does seem weird from the outside, especially when you look at your car and it’s still drivable—or heck, barely even dinged up. But yeah,...

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RE: Why is figuring out how much car insurance you ACTUALLY need so confusing?

I get where you’re coming from, but I actually think focusing too much on your personal checklist can backfire. Sometimes people miss state minimums o...

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RE: Confused about Illinois car insurance rules—anyone else?

That’s the thing—most people don’t realize how long repairs can drag out until they’re in the thick of it. I’ve seen folks assume their backup car wil...

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RE: DOES YOUR RIDE NEED EXTRA PROTECTION AT CAR SHOWS?

I get where you’re coming from—minivans don’t exactly scream “target,” but I’ve seen claims for all sorts of vehicles after shows, even ones you’d nev...

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RE: Just saved a chunk of cash on car insurance after defensive driving course

I get where you’re coming from about the feedback being useful, especially if you’re just starting out. But I do wonder how accurate some of these tel...

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RE: Someone smashed my parked car—deal with insurance or call the cops?

I get where you’re coming from, but I’d push back a bit—especially when it comes to hit-and-runs or anything that’s not just a minor scratch. Even if ...

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RE: stuck between Geico and Progressive in NY, thoughts?

I recently looked into Geico's accident forgiveness myself, and from what I recall, their policy is pretty similar—usually kicks in after a certain pe...

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RE: saving cash on insurance when you're young and broke

Yeah, loyalty discounts are mostly marketing fluff, honestly. Those tracking apps can save you a bit if you're a cautious driver, but they're picky—ha...

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RE: CLASSIC CAR STORAGE: ARE NEW CITY RULES GOING TOO FAR?

That's a fair point—less red tape usually makes sense. But do you think neighbors might push back on seeing half-finished cars around? Seems like a tr...

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RE: Tried temporary insurance coverage—worth it or waste of money?

Good point about exclusions—it's surprising how many folks overlook that part. Did you notice if the policy specifically listed vintage or custom comp...

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RE: Tried temporary insurance coverage—worth it or waste of money?

Exactly this. Did you happen to notice if they had any sneaky clauses about coverage for out-of-state driving? I've seen some policies get tricky ther...

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RE: got into a minor bike accident, insurance barely covered medical bills

Yeah, motorcycle policies can be tricky—medical coverage is often way lower than people realize. Did your policy have separate medical payments covera...

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RE: my car met a deer...and my wallet's crying

True, but it's not always that straightforward. Had a client once whose parked car got rammed by a deer—no joke. Ended up under comprehensive since th...

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