Car insurance discussions and local services.
mking86
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Topics and replies this member has contributed.
RE: Who pays the difference between the insurer’s estimate and the shop’s quote?
Before a non-network shop begins teardown, confirm the insurer’s supplement process in writing. Some carriers require photos, an inspection, or preauthorization before parts are removed. A safer sequence is: 1. Ask the...
RE: Getting caught without car insurance in Iowa is no joke
You’re right, it’s ridiculous how outdated the system is. Here’s what I do: 1) Always keep the newest paper card in the glove box, even if it feels ancient. 2) Save a PDF to my phone, not just the app - apps can glitch o...
RE: Things I wish I'd known before picking my first insurance
Honestly, I’d skip rental reimbursement unless you literally have no backup ride. If you’ve got a friend, roommate, or even a half-decent bus route, that extra monthly fee just eats your wallet. Roadside assistance, thou...
RE: Would you risk a higher deductible to lower your insurance bill?
I get where you’re coming from. I did the same math last year - my insurance was eating up way too much every month, so I bumped my deductible up to $1,000. Here’s how it played out for me: Step one, I checked my emerg...
RE: Getting Lost in the Maze of Uber and Lyft Insurance Rules
Honestly, I get where you’re coming from. It feels like overkill to screenshot every ride, but after seeing a couple folks get burned by “missing” logs, I started doing it for the big fares or weird trips. Not every sing...
RE: Little-known trick with Progressive’s roadside help
Honestly, I think carrying both paper and digital is a bit much. If your insurance app works, that should be enough - if the tow guy or dispatcher can’t deal with it, that’s on them, not you. I get wanting to be prepared...
RE: What happens if your rideshare app is between trips and you get into an accident?
I get wanting to play it safe, but honestly, extra coverage isn’t always worth the price hike for everyone. Here’s my take: 1) Actually read the policy yourself - don’t just trust the agent. 2) Compare what the rideshare...
RE: Finding affordable car insurance after 65 in kansas - anyone else struggling?
Telematics is a bit of a mixed bag, honestly. I tried one of those plug-in trackers for six months because my agent swore it’d save me “up to 30%.” In reality, I got maybe 8% off, and that was with me driving like I had ...
RE: WHEN DOES PAYING EXTRA FOR MEDICAL COVERAGE ON AUTO POLICIES MAKE SENSE?
WHEN DOES PAYING EXTRA FOR MEDICAL COVERAGE ON AUTO POLICIES MAKE SENSE? Here’s how I look at it: If your health insurance has a deductible that makes you sweat, med pay is worth a second glance. Step one, check your he...
RE: CLASSIC CAR STORAGE: ARE NEW CITY RULES GOING TOO FAR?
I get where you’re coming from, but honestly, I think the city’s got a point. Here’s the thing: if you let everyone cover up their cars, it’s way too easy for people to just stash junkers on the street and forget about t...
RE: Roadside help added to my insurance - totally worth it?
Honestly, I don’t bother with roadside on my insurance anymore. Here’s why: half the time, by the time they show up, I could’ve changed the tire or jump-started my car myself. If you keep a basic kit and know the basics,...
RE: DOES YOUR RIDE NEED EXTRA PROTECTION AT CAR SHOWS?
That’s not a rumor. Some insurance companies do want to see you took “reasonable precautions” if you file a claim, especially for classic or high-value cars. Here’s how it usually shakes out: 1. They’ll ask what anti-th...
RE: Insurance paid way less than what it cost me to replace my roof
I hear you on the insurance roulette. When my roof needed replacing last year, I went with ACV thinking I’d save a few bucks. Well, turns out “actual cash value” was way less than I expected - barely covered half the cos...
RE: bumped someone's car lightly, no visible damage - should I report?
I get the urge to just move on when it looks like nothing happened, but I’ve been burned before. One time, I barely tapped a guy’s car in a grocery lot - no marks, we both checked. Two weeks later, he claimed his bumper ...
RE: Just saved a chunk of cash on car insurance after defensive driving course
Same here, had to bring it up myself. Honestly, insurance companies aren't exactly eager to hand out discounts unless you push for them. Quick tip if anyone's planning to do this: 1. Finish the defensive driving cours...