luckyskier
luckyskier
@luckyskier
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RE: Finding decent car insurance in Delaware without losing your mind

Funny you mention the “agreed value” thing—I've seen people get burned by that when they assumed it meant a guaranteed payout, but the fine print let ...

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RE: Mileage-based car insurance: who’s using it and which company do you like?

That’s a huge issue I’ve noticed, too. These apps treat every “hard brake” like it’s your fault, but city driving is unpredictable—sometimes you just ...

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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’ve seen a lot of folks surprised when their “comprehensive” policy didn’t actually cover that in-between period....

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RE: Best ways to snag a deal on an EV these days?

Noticed the same thing with repairs—shops around here treat EVs like they’re radioactive. Finding someone to fix cosmetic stuff is a whole project. On...

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RE: is accident forgiveness really worth it in Ohio?

I hear you on the black ice—Ohio winters are brutal, and even the best drivers can end up in a ditch. I’ve seen people with spotless records get hit w...

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RE: Finding affordable car insurance after 65 in kansas—anyone else struggling?

That’s a fair point—service can make a huge difference, especially when you’re dealing with the stress of an accident. Out of curiosity, did your rate...

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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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