Car insurance discussions and local services.
photography_rachel
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RE: Letting Friends Borrow Your Car in NY - What Insurance Actually Covers?
- Been there, and yeah, it’s rough. A few years back, I let my cousin use my car for a quick grocery run. He’s super careful, but someone rear-ended him at a light. Not even his fault, but the claim still went through my...
RE: Is gap insurance worth it for new cars in Hawaii?
Had a similar debate with myself when I bought my Civic last year. I drive a ton for work, so I figured the risk was higher for me. Ended up getting gap through my credit union - way cheaper than what the dealer wanted. ...
RE: Classic car insurance and the annual mileage cap - worth it?
- Totally get what you mean about tracking miles - I'm the same way. - I’ve had my odometer checked once at renewal, but only because I switched companies. Otherwise, it’s usually just during claims, like you said. - I...
RE: Adding a teen driver in Hawaii: bundle with parents or separate policy?
Bundling definitely makes things simpler, especially when you’re juggling a bunch of policies. But I totally get the telematics hesitation - I tried it for a few months and felt weird about being “watched,” but the disco...
RE: Would you risk a higher deductible to lower your insurance bill?
I get where you’re coming from - honestly, I’ve gone back and forth on this myself. Here’s how it’s played out for me: - I upped my deductible a couple years ago to save on premiums. Did the math, and over three years, ...
RE: Rental car insurance: worth it or just a money grab?
Had a run-in with “loss of use” charges a couple years back - definitely not just made up. I scraped a bumper in a hotel garage, and even though my regular insurance covered the repair, the rental company still billed me...
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.
- Totally get this. I drive a lot for work, and honestly, the peace of mind is worth a few extra bucks a month. - Had a buddy who dropped comp on his beater, then a tree branch took out his windshield. He saved maybe $10...