From my experience, it's kind of a mix. Insurers definitely lean heavily on doctor's notes and medical records—those carry a lot of weight. But behind...

Haha, I feel your pain. I've been dealing with insurance docs for ages, and honestly, sometimes it feels like they're written by lawyers who get paid ...

Yeah, cheap insurers can be tempting, but you usually get what you pay for. Still, don't assume pricier always means better—I've seen some mid-range c...

Military discounts can be decent, but honestly, bundling and loyalty perks often stack up better in my experience. I've seen military clients save a b...

Yeah, insurers can be pretty vague about that stuff... I've seen cases where adding security measures like alarms or cameras does help, but the discou...

Yeah, permissive use claims can get weirdly complicated. I've seen insurers drag their feet over minor stuff, yet breeze through bigger accidents with...

Yeah, those courses can be surprisingly useful. I'll admit, I was skeptical at first—figured it was just another insurance gimmick—but after seeing ho...

Smart move, but honestly, relying on luck or quick thinking isn't enough. Had a client once who parked under a tree during hail—branches came down and...

Tried the drafting trick myself once—didn't notice any real savings, just made me nervous as hell. Honestly, better tires and regular battery checks h...