Car insurance discussions and local services.
mollymoon956
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Topics and replies this member has contributed.
RE: What happens if your rideshare app is between trips and you get into an accident?
That’s the part that freaks me out. Like, you’re literally not even moving and it still counts against you? I get why they do it, but it feels like a technicality. I’ve never tried to file a claim during Period 1, but ho...
RE: Avoiding hefty fines for driving without insurance in OK - how I do it, but is there a better way?
Paper in the glovebox just feels like one of those things you keep doing because it’s saved your butt before. I totally get what you’re saying about tech not always being reliable - my phone’s battery is a running joke i...
RE: Do you really need extra insurance for a rental in Montana?
Man, the “loss of use” thing tripped me up too. I’ve rented cars a bunch for family trips, but it wasn’t until we did a road trip through Idaho and Montana that I realized how many weird scenarios can pop up. My regular ...
RE: Lowball insurance estimate - worth fighting or just let it go?
I get where you’re coming from, but I’ve actually had the opposite happen once or twice. Maybe I just got lucky, but my last claim (hail damage, nothing major) was pretty straightforward. The adjuster came out, did a wal...
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.
I hear you on the fine print - my eyes glaze over halfway through those docs. We switched to agreed value after my cousin’s SUV got totaled and the payout barely covered half a replacement. Haven’t had to claim yet, but ...
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? I kinda wrestled with this when we got our minivan. We do a lot of weekend trips with the kids and their friends, so it’s not just about me and my...
RE: Why can’t I use my points AND a coupon at checkout?
Yeah, I’ve run into that too. It’s like they want you to jump through hoops just to save a few bucks. I swear, half the time the fine print is so tiny you need a magnifying glass. I’ve even had cashiers who weren’t sure ...
RE: little-known ways to snag cheaper insurance in Alaska
Yeah, bundling can be a mixed bag. We tried it with our auto and home, and the discount was decent, but not as much as I hoped. Still, it made paying bills easier since it’s all in one place. About the pay-per-mile thin...
RE: Struggling to find affordable car insurance after a few tickets - any tips?
Yeah, those trackers are wild. I had one for a bit and it kept flagging me for “hard braking” when someone cut me off in school traffic. Like, what am I supposed to do, just let them hit me? Honestly felt more stressful ...
RE: What Happens if You're Labeled a Risky Driver by Insurance Companies?
Haha, gotta admit I'm still stuck somewhere between Step 1 and Step 2... I mean, I know I'm not exactly street racing, but what counts as 'risky' anyway? Does accelerating to beat a yellow light make me a rebel now...?
RE: Confused about insurance rules in South Dakota - help me figure this out
Yeah, digital insurance cards are handy, but I always wonder what happens if your phone dies or you drop it and the screen shatters right before a cop pulls you over. Do they just take your word for it? Or is that an aut...
RE: Confused about insurance rules in South Dakota - help me figure this out
I get the hesitation with digital insurance cards, but honestly, paper isn't foolproof either. Left mine in my other car once and didn't realize until I was pulled over - talk about awkwardly digging through the glovebox...
RE: lent my car to a friend, insurance got messy real quick
I get what you're saying, but isn't it better to be safe than sorry? Policies can be tricky... I'd rather shoot a quick text than risk getting blindsided later. Just my two cents.
RE: Navigating the whole SR-22 thing in Kansas without losing your mind
I feel this. Last time I built a dresser, I ended up with extra screws and a drawer that sticks...still can't figure out where I went wrong. Honestly, SR-22 paperwork sounds less frustrating than furniture assembly at th...
RE: Hypothetical Car Accident: How Does PIP Insurance Actually Work?
Yeah, I get where you're coming from. I've had friends stuck in paperwork nightmares too...but when my wife had her fender-bender last year, our insurer actually stepped up pretty quickly. Guess it depends on who you're ...