Car insurance discussions and local services.
michaelecho347
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Topics and replies this member has contributed.
RE: Letting teens borrow your car: add them to insurance or just trust the policy?
Yeah, I get where you’re coming from. Insurance companies can be brutal about the tiniest things. I’d rather pay a bit more and have everything above board than risk a claim getting denied over a technicality. Peace of m...
RE: Running out of gas and waiting forever for help
I get the urge to fill up at a quarter tank, but honestly, I think it’s a bit overkill for most daily driving. Unless you’re out in the middle of nowhere or commuting through long stretches without gas stations, running ...
RE: When The Other Driver Has No Insurance And Dings Your Car
Had this happen a couple years back - someone sideswiped my parked car and took off. My regular collision did cover it, but I still had to pay the deductible, which stung a bit. Uninsured motorist property damage wasn’t ...
RE: Why can’t I use my points AND a coupon at checkout?
I’ve had digital coupons vanish too, usually right when I’m about to check out. It’s frustrating. I wonder if it’s tied to the app updating or if certain offers just have weird timing. Has anyone noticed if using self-ch...
RE: USAA vs State Farm: which claims process is less of a headache?
Honestly, I’ve had similar headaches with State Farm’s phone system. It’s like they designed it to test your patience. I actually switched to USAA a couple years ago after a fender bender - mostly because I got tired of ...
RE: SCORED A SWEET DEAL ON INSURANCE THANKS TO MILITARY DISCOUNT
I’ve noticed the same thing - annual mileage seems to be their main focus, unless you’re driving something flashy. I drive a pretty average sedan and they barely asked about the car itself. Still, I always keep track of ...
RE: SCORED A SWEET DEAL ON INSURANCE THANKS TO MILITARY DISCOUNT
Yeah, those photo claims are a game changer - didn’t even have to dig out my old camera. But the renewal hikes? Total pain. Feels like they reel you in and then sneak up the price. Military discount’s probably the only t...
RE: Why California’s minimum car insurance might not be enough
I get where you’re coming from, but I’m not sure it’s always that black and white. Not everyone can afford higher premiums, especially with how expensive things are in CA. For some people, the minimum is all they can rea...
RE: Is Paying For Roadside Help Worth It Or Just Extra?
Honestly, I used to think it was an unnecessary add-on too, but after getting stuck with a flat tire during rush hour and seeing the tow bill, I changed my mind pretty quick. It’s one of those things you hope you never n...
RE: Do you really need extra insurance for a rental in Montana?
I get where you’re coming from, but I’d argue the “paperwork was a pain and my rates went up a bit” part is exactly why I usually just pay for the extra coverage. Not saying it’s cheap, but after dealing with a cracked w...
RE: What happens if your rideshare app is between trips and you get into an accident?
Had a close call with this last year. I was waiting for a ping, app on, just parked on a side street. Someone rear-ended me. I figured my regular insurance would handle it, but they flat out denied the claim once they fo...