psychology911
@psychology911
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Topics: 1 / Replies: 18
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RE: Choosing between basic liability and full coverage for your first car—what did you go with?

I hear you on the Civic—my first car was a ‘99 Corolla with mysterious stains and a radio that only played static. Liability was the only thing that m...

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RE: What happens if your rideshare app is between trips and you get into an accident?

I’ve asked for that mythical “clear breakdown” and usually get a PDF that’s about as readable as ancient hieroglyphics. My agent once told me, “You’re...

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RE: Mileage-based car insurance: who’s using it and which company do you like?

Couldn’t agree more—dodging the neighborhood squirrel shouldn’t mean my rates go up. I’ve actually seen my “discount” shrink after a few months with P...

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RE: Do you really need extra insurance for a rental in Montana?

Honestly, those rental counters in Montana can make you feel like you’re buying a used car, not just borrowing one for a weekend. I’ve had them try to...

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RE: Classic car insurance and the annual mileage cap—worth it?

I’ve had classic insurance for my ‘78 MGB for a few years now, and honestly, the mileage cap thing gave me more gray hairs than the car itself. The fi...

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RE: Why Is PIP Mandatory In Some States But Not Others?

I’ve always thought the patchwork of insurance laws is a bit like driving through a buffet—you never know what you’re getting until you’re already hal...

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RE: anyone else feel like AAA insurance isn't what it used to be?

I hear you on the price vs. value thing. My wallet cries a little every time that renewal notice shows up. Honestly, I’ve used AAA twice in five years...

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

That’s exactly what tripped me up last year. My neighbor needed my car for “just a few days” while his was in the shop, and suddenly it turned into al...

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

Couldn’t agree more. Last time I tried to use my phone for accident photos, it decided to update itself—right in the middle of the chaos. Ended up ske...

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RE: Are those price-checker sites actually reliable?

Couldn’t have said it better—those online estimates are like weather forecasts: sometimes close, sometimes way off. I’ve had quotes that looked reason...

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

The telematics thing is a bit of a double-edged sword, isn’t it? I tried it for a few months—turns out my “gentle” braking is apparently not so gentle...

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RE: My insurance nightmare in Rhode Island traffic court

I've had mixed luck with vent mounts myself. On one hand, they do keep the phone cool—especially handy during those summer traffic jams (Providence tr...

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

Been there, done that—except mine was worse because my phone battery was on 2% and I had about a dozen tabs open. Talk about pressure! Ever since then...

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RE: Hypothetical Car Accident: How Does PIP Insurance Actually Work?

Yeah, insurers can be surprisingly picky about timing. Had a similar experience myself—thought I was fine after a minor bump, but woke up two days lat...

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RE: quick heads-up on Arkansas auto insurance basics

You're spot on about reviews being helpful, but honestly, sometimes they're a rabbit hole. Last time I shopped around, I got sucked into reading horro...

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