Dash cams are great for peace of mind, but yeah, insurers don't always see it that way. Defensive driving courses usually do the trick though—plus the...

You're right to be cautious—classic car policies can be pretty particular about permissive use. Most classic insurers I've worked with do allow occasi...

Keeping a log is great advice—adjusters definitely notice who's on top of things. Had a client last month who did exactly that, and it streamlined eve...

Yeah, defensive driving courses can help, but honestly, after something as serious as a DUI, the impact might be limited. Most insurers see DUIs as hi...

Glad you're feeling a bit better about it—insurance can definitely seem confusing at first. Even if there's no visible damage, it's usually smart to r...

Bundling definitely helps, but yeah, gotta watch those deductibles. Learned that the hard way when I had a minor fender-bender last year—thought I was...

Good reminder about jump-starts and tire changes—people often assume that's standard, but it varies a lot. Also, some insurers offer add-ons for locko...

Haha, fair point... but honestly, most insurers do try to make the PIP process pretty painless. Keeping organized and following up definitely helps, b...

Good points about the app. I've seen a few clients try it out, and reactions have been mixed. Some folks definitely benefit from the feedback on braki...

Good points there, but from what I've seen, people often underestimate how quickly small claims can add up—especially with minor fender-benders or win...

Yeah, this part always throws people off. Had a client once who swerved to avoid a deer and ended up hitting a guardrail. They thought it'd be compreh...