Car insurance discussions and local services.
molly_wood
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Topics and replies this member has contributed.
RE: Is gap insurance worth it for new cars in Hawaii?
I’ve wondered the same thing, honestly. When I bought my Civic a few years back, I put down almost 30% and skipped gap for that exact reason - figured I’d never be underwater. Never had an issue, even after a fender bend...
RE: How picking a “boring” car turned into a wallet win
Honestly, I used to think driving a plain sedan was like having an invisibility cloak for thieves, but your story lines up with what I’ve seen too. My old Corolla never got a second glance - until I left it on the street...
RE: How did you feel after your first accident and dealing with insurance?
That “full coverage” thing gets people every time. I remember thinking I was set, then after a fender bender, I found out my policy only covered a rental for three days - after that, it was all on me. Yeah, it’s wild ho...
RE: Digital Forms Vs. Old-School Paper: Which Makes Claims Smoother?
That’s the thing - paper gets lost, but tech can just crash out of nowhere. I once had a claim half-filled when my phone froze and I had to start over. Ever had a system just time out and eat your info?
RE: How I made cancelling Progressive way less painful
I hear you on the “win-back” thing. I used to roll my eyes and just say no thanks, but after a weird experience with Allstate, I’m a little more willing to at least listen. They jacked up my rate for no reason I could fi...
RE: How do they actually decide when a car is “totaled”?
That’s pretty much the same boat I was in with my old Camry. Insurance said it was totaled after a minor rear-end, just because the repair estimate was a few hundred bucks over their “threshold.” I bought it back for pea...
RE: Finding budget-friendly auto insurance in Alabama: my step-by-step
Had to laugh at this: . Story of my life, honestly. About roadside, I’ve been a AAA member for a while, mostly because my dad swears by it. It’s come in handy, but I always wonder if I’m overpaying for the brand. I’ve h...
RE: How do they actually decide when a car is “totaled”?
I hear you, but I’ve actually had a different experience with the buy-back thing. Years ago, my old Civic got rear-ended, and yeah, the salvage title was a pain, but I ended up keeping it for another five years. Insuranc...
RE: Why does insurance cost more in Houston than Austin or Dallas?
I hear you on the insurance thing - it’s like we’re all getting dinged for stuff we didn’t even do. I’ve always wondered why they don’t give more of a break to folks who actually keep their cars in good shape and don’t r...
RE: Someone smashed my parked car - deal with insurance or call the cops?
That’s been my experience too, unfortunately. I had my bumper smashed in a Target lot a couple years back - no note, no witnesses, just a nice dent and some paint from the other car. I called the non-emergency police lin...
RE: Would your insurance hold up if your EV battery suddenly failed?
That’s been my exact experience too. I tried to get a straight answer about what happens if my Leaf’s battery just up and dies, and the agent basically danced around it. They kept saying “covered if it’s due to a covered...
RE: bumped someone's car lightly, no visible damage - should I report?
I hear you on the “no visible damage doesn’t mean nothing happened” bit. I’ve had that exact scenario, except my luck wasn’t as good - I once nudged a friend’s car in a parking lot, and we both swore up and down there wa...
RE: Just saved a chunk of cash on car insurance after defensive driving course
Fair enough, but honestly, adjusting deductibles isn't always the smartest move. A buddy of mine bumped his deductible way up to save a few bucks each month... seemed great until he had a minor fender-bender and ended up...
RE: bumped someone's car lightly, no visible damage - should I report?
Yeah, sensors these days are crazy sensitive and expensive. Had something similar happen to my cousin - he barely nudged a parked car outside a grocery store. No visible scratches, dents, nothing. He left a note anyway j...