I hear you on that. It’s like seatbelts—annoying till you need them. I’ve had more than one person try to claim “my garage is Fort Knox” but then can’...

Those “permanently attached” debates are the bane of my existence—don’t even get me started on what counts as an accessory versus a fixture. I’ve had ...

That “bubble wrap” image is spot on—if only it worked that way, right? I’ve seen so many folks surprised by what’s actually covered. Hail’s a classic ...

You're spot on about classic cars not being the main culprits here. Honestly, most classic car owners I know treat their vehicles like prized family h...

Interesting point on regular use saving maintenance costs—I can definitely relate. A few years back, I inherited my uncle's old Mustang, a real beauty...

Had a similar experience myself—thought collision covered everything until a raccoon decided to test my brakes. Turns out animal collisions typically ...

Most insurance roadside assistance I've dealt with usually follows the car, not the driver. Learned that the hard way when I borrowed my buddy's ancie...

I once asked about a hypothetical involving a deer, icy roads, and a mailbox (long story...) and the rep chuckled, paused, then said, "Let's just hope...

I've seen this happen more times than I can count. Big insurers can be great until you actually need them, then suddenly you're on hold for eternity l...

Good call on the transparency issue. Reminds me of when I had a minor accident—just a cracked bumper, nothing dramatic. Filed a small PIP claim thinki...

Most insurers I've dealt with lately do offer roadside assistance as an add-on rather than standard, especially for EVs. It's worth double-checking yo...

Glad I'm not the only one who worries about that! I've seen too many claims cross my desk involving sneaky rust issues from moisture trapped under car...

Couldn't agree more—seen this scenario play out plenty of times. People underestimate how much insurers love their paperwork until they're knee-deep i...

I've seen a few claims involving those reinforced belts snapping just as easily as OEM ones—usually at the worst possible moment, like halfway to gran...

Bundling can definitely help, but honestly, it's not always the magic bullet people think it is. I've seen plenty of cases where bundling actually lim...