Car insurance discussions and local services.
miloclark76
Discussion activity
Topics and replies this member has contributed.
RE: Letting Friends Borrow Your Car in NY - What Insurance Actually Covers?
Honestly, I get where you’re coming from, but I’m not totally convinced it’s all just insurance companies being shady. I had a weird situation a few years back - my buddy borrowed my ‘72 Chevelle for a wedding, and the a...
RE: Is gap insurance worth it for new cars in Hawaii?
Had a ‘72 Chevelle years back - different animal, I know, but the insurance game always felt a bit like rolling dice. When I bought my wife’s new Accord, we skipped gap too, since we put down a chunk and the depreciation...
RE: Which Roadside Help Would You Trust More: AAA or Your Insurance Company?
Had a similar experience with my old ‘72 Mustang - guy showed up in a flatbed that looked like it’d barely survived the Carter administration. He was friendly, but I ended up guiding him through the whole process so he d...
RE: If You Had To Switch Insurance In Kentucky, Who Would You Trust?
Had to laugh at this bit: I get where he’s coming from. Years ago, I had a ’72 Chevelle that got sideswiped in a parking lot. Insurance wanted to slap on a “good as new” fender from who-knows-where. Color was off by...
RE: What happens if your rideshare app is between trips and you get into an accident?
I totally get that “paranoia isn’t always bad” sentiment. I learned it the hard way years back - wasn’t rideshare, but I got rear-ended in my old ’68 Mustang. Thought it’d be straightforward since the other guy admitted ...
RE: Classic car insurance and the annual mileage cap - worth it?
Had to laugh at the “more time on jack stands” bit - story of my life. I actually hit my mileage cap once, back when I first got my ‘72 Datsun running reliably. Took it everywhere for a summer, then realized I was alread...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
I’ve actually seen it go both ways, but honestly, it’s a coin toss. Had a buddy with a ‘72 Chevelle who let his neighbor drive it “once in a while” - which turned out to be every other weekend for months. When the guy go...
RE: Getting that student discount on car insurance… not as easy as I thought
It’s wild how these apps act like we’re all driving on empty highways with nothing but tumbleweeds for miles. I swear, if I so much as tap the brakes a little harder than normal, my phone lights up like I’ve just perform...
RE: How do they actually decide when a car is “totaled”?
Honestly, I get where you’re coming from, but I wouldn’t say it’s always a lost cause. I’ve had a couple of cars where I added aftermarket stuff - wheels, exhaust, even a custom stereo - and my insurer let me list them a...
RE: Medicare Advantage vs. Medigap: which one actually works better?
I get where you’re coming from - it’s a bit like when I bought my old ‘68 Mustang. I could’ve shelled out for every possible insurance add-on, but at some point, I had to weigh the odds and my budget. Same with health st...
RE: CLASSIC CAR STORAGE: ARE NEW CITY RULES GOING TOO FAR?
Yeah, I hear you. My neighbor got a warning for having his ‘72 Nova on jack stands for a week - just because the hood was off. Meanwhile, there’s a busted trampoline down the street nobody cares about. Feels like they’re...
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.
Yeah, insurance companies aren't exactly known for making exclusions obvious - usually buried somewhere in the fine print. When I added a rider for my '68 Mustang (after a buddy's horror story about flood damage), it bum...
RE: Car Insurance in Delaware - Any Hidden Gems or Hacks?
I see your point, but man...I just can't shake the feeling of being watched every time I drive my Mustang. I tried one of those apps briefly and felt like I was driving my grandma around - no fun at all. Maybe it's bette...
RE: how bad would insurance spike after a DUI in Idaho?
Yeah, I doubt it's just Idaho either. Buddy of mine in Arizona had a DUI a few years back and his insurance went through the roof - he ended up switching companies twice before finding something reasonable. Seems like it...
RE: lent my car to a friend, insurance got messy real quick
Had a similar headache a few years back when I lent my '68 Mustang to a buddy for his wedding weekend. Thought it was no big deal - until he scraped the side pulling into a tight parking spot. Insurance got real cagey ab...