Car insurance discussions and local services.
mskater55
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Topics and replies this member has contributed.
RE: Shelter vs. State Farm for home insurance in Missouri - any strong opinions?
Had State Farm for a while and honestly, it was hit or miss. One hailstorm, they were quick and fair. Next time, different adjuster, suddenly everything was “pre-existing damage” and barely got anything covered. Switched...
RE: How is ACV not just a fancy way to pay us less?
Honestly, ACV just feels like a way for them to lowball you. My last claim, they tried to knock off a chunk for “normal wear” on a car that barely left the garage. I pushed back with photos and receipts - got a bit more,...
RE: Weighing legal trouble vs. losing trust: which is worse after fraud?
Trust issues don’t just vanish, at least not in my experience. Once someone’s lied, even about something minor like a car scratch, it sticks around. You might move on, but there’s always that little doubt in the back of ...
RE: Bundling insurance with USAA: worth it or just hype?
That’s the part that gets me. Fine print always bites you when you actually need the service. USAA’s insurance is solid, but their roadside coverage is pretty barebones - found that out the hard way when our van died jus...
RE: Finding decent car insurance in Delaware without losing your mind
Spreadsheet’s the only way I’ve kept my sanity dealing with these folks. I swear, half the time I’m reminding them what they said last week. It’s like they hope you’ll forget the details and just go along with whatever n...
RE: Why did my GEICO premium jump so much this year?
Yeah, I hear you. Loyalty means nothing to these companies. I’ve been with GEICO for over a decade, no tickets, no claims, and my premium still creeps up every year. Last time I called to ask why, they gave me some line ...
RE: Why California’s minimum car insurance might not be enough
Honestly, I’d say go for at least 50/100/50 if you can swing it. The minimum is just asking for headaches. We got hit with a $7k repair bill after a fender bender last year - $5k wouldn’t have covered squat. Not saying y...
RE: What happens if your rideshare app is between trips and you get into an accident?
It’s wild how many people just assume they’re fully covered the second they flip on the app. I’ve got a friend who learned the hard way - rear-ended someone while waiting for a ping, and his “rideshare” coverage barely d...
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, I hear you. Honestly, I used to think comprehensive was just another way for insurance companies to squeeze more out of us. But after seeing what happened to my cousin - her car got trashed in a freak hailstorm las...
RE: How I managed to stack discounts for military student drivers
Honestly, I’ve tried pointing out their own policy before and half the time they just double down or give me some excuse about “system limitations.” It’s like they’re trained to stonewall. I’ve found it works better to j...
RE: Confused about insurance rules in South Dakota - help me figure this out
Honestly, I get the whole “paper is safer” thing, but I’ve had way more issues with paper cards than digital. Half the time, my card’s expired and I forgot to swap it out, or it’s so faded you can barely read it. At leas...
RE: Are Loyalty Perks With Insurers Even Worth It Anymore?
Yeah, I hear you. The “loyalty” perks are usually just fluff - like, who actually needs another branded mug? I’d rather the company just knock a bit off my renewal price instead of handing out random freebies. Last year,...
RE: quick heads-up on Arkansas auto insurance basics
Honestly, I’m with you on this one. I’ve got three kids and a dog, so if my van’s out of commission, cramming everyone into a compact rental is a nightmare. But paying extra every month just for the “what if” doesn’t mak...
RE: Getting Time Off Approved For Family Needs: It Actually Worked!
I hear you - those forms are a pain. I once wrote “kid’s dentist” and got grilled like I was skipping out for a beach day. Now I just write the bare minimum and hope for the best. Feels like a test I never signed up for....
RE: Finally figured out how car insurance works in no-fault states
Dashcams are underrated imo. Sure, they're not as critical as good tires or brakes, but when things go sideways, having footage can save you a ton of stress. Had a similar experience myself - someone backed into me in a ...