Honestly, I’ve seen the same thing—one agent says “period 1” is just when the app’s on, another tells you it only counts when you’re actively waiting ...
I’ve run into that “household member” exclusion more times than I can count, and it always seems to catch people off guard. There was this one time a ...
Totally get what you mean about insurance feeling like some kind of secret society with its own rules. I’ve seen folks with nearly identical driving r...
I hear you on that—I've seen folks go for the higher deductible thinking they'll save, but then one fender bender later, they're scrambling. Had a cli...
You’d think after all these years, we’d have a universal “aha!” moment about period 1, but nope. I’ve been in the biz for a while and honestly, someti...
That feeling of "did I just waste my money?" is so common—I've seen it play out in all kinds of ways. I remember a guy who picked a super low deductib...
Funny thing, I’ve seen folks with all the latest tech still get hit with sky-high premiums, especially around Houston. But here’s the twist—sometimes ...
I had a client once who lived right on the edge of a flood zone in Houston—literally, one side of the street paid way more than the other. It’s wild h...
WHEN DOES PAYING EXTRA FOR MEDICAL COVERAGE ON AUTO POLICIES MAKE SENSE? Had a guy come in last year—super cautious, spreadsheet for everything, you ...
That’s the part that gets me too. I’ve seen folks get their fenders replaced after a parking lot scrape, but when it comes to something as crucial as ...
Had a client once who kept his insurance card in the sun visor—said it was “impossible to forget” since he’d see it every time he lowered it. I tried ...
Funny thing—my uncle swore by reading every word, but even he missed the “actual cash value” part on his roof. I do think some agents actually try to ...
That bit about the rogue shopping cart made me laugh—seen it happen more than once in parking lots. I get wanting to save every penny, especially when...
Had a similar thing happen to me last spring near Sioux Falls—thought I was all set with digital insurance cards until my phone froze solid right when...
Good points here, but honestly, even as someone who works in insurance, I get why people skip that call. It's easy to assume your policy covers lendin...