patgarcia503
patgarcia503
@patgarcia503
Eminent Member
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Topics: 2 / Replies: 16
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RE: When The Other Driver Disappears: Uninsured Motorist Coverage In Action

- 100% agree with this. I’ve had the same experience—if you don’t ask, they’ll hand you the keys to whatever’s easiest for them. - “Like kind and qual...

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RE: When The Other Driver Disappears: Uninsured Motorist Coverage In Action

- Had a similar runaround with my insurer after a hit-and-run a few years back. - Even with clear evidence, they nitpicked every detail—felt like th...

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RE: Rising premiums for business vehicle fleets—anyone else notice this?

- Had the same issue with our vans—one “hard brake” for dodging a deer and suddenly my score dropped. - The system’s definitely not perfect. Sometimes...

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RE: Which Roadside Help Would You Trust More: AAA or Your Insurance Company?

Title: Which Roadside Help Would You Trust More: AAA or Your Insurance Company? Here’s how I break it down: - AAA’s track record is solid, but you’r...

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RE: Letting friends drive your car in MN: better to add them or rely on permissive use?

Here’s how I see it after a few years of juggling this: - “Occasional” is basically insurance code for “we’ll decide when you file a claim.” Super he...

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RE: Why can’t I use my points AND a coupon at checkout?

- It’s wild how inconsistent it can be. I’ve had times where the cashier just shrugs and says “the system won’t let me,” but other times, if you get a...

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RE: CLASSIC CAR STORAGE: ARE NEW CITY RULES GOING TOO FAR?

- Totally get the frustration with neighbors who let cars rot in the driveway. Seen it happen on my street—one guy’s “restoration project” basically b...

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RE: Can Military Folks Really Get Cheaper Insurance Rates?

Yeah, I’ve noticed the same thing. Military perks sound great, but honestly, my rate jumped when I moved two blocks closer to a main road. Discounts b...

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RE: Someone smashed my parked car—deal with insurance or call the cops?

- 100% agree on documenting everything. I keep a folder in my glove box now—photos, receipts, even the names of every adjuster I talk to. - Police rep...

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RE: Insurance headaches for risky drivers in NC—stick with big names or go local?

Good points overall, but I'd caution against assuming specialized insurers always save you money in the long run. A few things to consider: - Pricing...

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RE: little-known ways to snag cheaper insurance in Alaska

- I've bundled home and auto here in Anchorage and did see a noticeable drop, maybe 10-15%. Not huge but adds up over the years. - Indoor parking defi...

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RE: CLASSIC CAR STORAGE: ARE NEW CITY RULES GOING TOO FAR?

Exactly my thinking. A few thoughts: - If it's covered and not leaking fluids everywhere, it's probably fine. A tarp-covered Mustang beats a rusted-o...

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RE: Confused about insurance rules in South Dakota—help me figure this out

You're definitely not alone—I still keep paper copies too. Digital is convenient, but I've had enough tech glitches over the years to know better than...

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RE: HOW I CUT DOWN MY CAR INSURANCE BILL USING VETERAN DISCOUNTS

Agreed, bundling's usually solid, but I've found it depends heavily on your location and insurer. Curious if anyone's compared bundling home vs. rente...

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