Same here. I tried the tracker thing last year and it docked me for “hard braking” when a cyclist cut me off—what was I supposed to do, just hit them?...

Definitely agree with this. Smells can be subtle but they're often the first clue something's off. Had a similar experience once—noticed a sweetish sm...

I've been debating this myself lately. Accident forgiveness sounds good on paper, but does anyone know how much your premium actually jumps after one ...

Yeah, that's exactly my thinking. Had a friend who lightly tapped a newer BMW in a parking lot—no visible damage at all—but the owner insisted on gett...

I agree with your logic, especially about the peace of mind aspect. It's not always just about crunching numbers; sometimes it's the psychological com...

Had a similar situation myself—SR-22 lasted about three years, but the DUI stayed on my record longer. Definitely not fun dealing with that paperwork ...

Glad you worked it out. Your experience sounds pretty familiar. I've noticed insurers usually start with a firm stance, probably as a negotiation tact...