Car insurance discussions and local services.
psniper83
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Topics and replies this member has contributed.
RE: Letting teens borrow your car: add them to insurance or just trust the policy?
Honestly, I get why some folks just trust the policy, but insurance companies will look for any reason to deny a claim. My cousin thought he was covered when his son borrowed the car - turns out, not being listed cost hi...
RE: Bundling insurance with USAA: worth it or just hype?
I hear you on the fine print - been burned by that myself. That’s exactly why I’m skeptical about bundling. The “convenience” can be a trap if you’re not careful. I’d rather spend an extra hour comparing policies than g...
RE: When The Other Driver Has No Insurance And Dings Your Car
Totally agree - insurance fine print is a maze. In my experience, UM property damage deductibles can be lower than collision, but it really depends on your state and insurer. Mine was $250 for UM vs $500 for collision, b...
RE: If You Had To Switch Insurance In Kentucky, Who Would You Trust?
I’ve had similar worries, honestly. Had a claim with State Farm (not luxury, but newer Acura) and it was a mixed bag - quick response, but they tried to push aftermarket parts hard. I had to argue for OEM, which felt rid...
RE: Do you really need extra insurance for a rental in Montana?
I hear you on the “acts of nature” thing - it’s like the fine print is written in invisible ink half the time. I’ve dug into my credit card benefits before, and honestly, most of them are pretty useless for stuff like ha...
RE: What happens if your rideshare app is between trips and you get into an accident?
Honestly, that’s exactly why I bit the bullet and paid for the rideshare endorsement too. It’s wild how regular insurance can just drop you the second they see you’re logged into an app - even if you’re literally just si...
RE: Why Is PIP Mandatory In Some States But Not Others?
I get where you’re coming from. I’ve had the same debate in my head, especially after seeing how much overlap there is between PIP and other benefits. The thing that keeps me leaning toward PIP (even though it feels redu...