Car insurance discussions and local services.
richarddiver
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RE: Finding decent car insurance in Delaware without losing your mind
Yeah, “agreed value” is a bit of a trap if you don’t read every word of the policy. Had a buddy who thought his ‘72 Chevelle was covered for $30k, but after a fire, the insurer started nitpicking about “condition at the ...
RE: Weighing legal trouble vs. losing trust: which is worse after fraud?
Title: Weighing legal trouble vs. losing trust: which is worse after fraud? You nailed it - legal headaches are brutal. I’ve watched guys in my car club get dragged through court over deals gone sideways, and it’s never...
RE: How I managed to stack discounts for military student drivers
Honestly, I get the privacy thing, but sometimes all that blacking out just slows things down. I’ve sent in forms with everything visible except the stuff they actually need, and never had an issue. Maybe it’s just luck,...
RE: Finding decent car insurance in Delaware without losing your mind
Yeah, they’ll call anything “comparable” if it saves them a buck. Had them try to hand me a compact when my classic is a full-size coupe - just laughed. Insurance fine print is a minefield. Always double-check, or you’ll...
RE: SHOP AROUND OR STICK WITH THE FIRST DECENT QUOTE?
Yeah, I hear you, but I’ve had it go both ways. First quote looked fine, then I found a specialist who actually understood classic cars and saved me a chunk. If you’re in a hurry or your record’s messy, sure, take the de...
RE: WHEN DOES PAYING EXTRA FOR MEDICAL COVERAGE ON AUTO POLICIES MAKE SENSE?
Had a similar situation with my ’72 Chevelle. Barely drive it, but got clipped at a stoplight last year. Didn’t look like much, but my shoulder was messed up for weeks. - that’s dead on. Med pay covered what my health i...
RE: SHOP AROUND OR STICK WITH THE FIRST DECENT QUOTE?
Never trust the first quote, no matter how “decent” it looks. I’ve seen too many people get burned by hidden exclusions or lowball payouts. I always compare at least three, and yeah, reading the whole policy is brutal bu...
RE: is accident forgiveness really worth it in Ohio?
Yeah, agreed. Ohio's rates tend to be pretty competitive overall, but insurers aren't charities - they'll find a way to balance the books. Had a buddy here who thought he scored big with accident forgiveness...until rene...
RE: Insurance tips for my vintage ride needed
Handwritten notes might feel reassuring, but honestly, they're not worth much when things get messy with insurers. Had an issue a while back trying to prove some engine work was done by an old-school mechanic who only sc...
RE: My insurance nightmare in Rhode Island traffic court
Had a similar issue years ago with a cheap phone holder - thing snapped off mid-turn and nearly cracked my dash. Learned quick that quality mounts are worth every penny, especially when you're driving something vintage. ...
RE: just saw a story about a guy in Kansas whose car got totaled by hail, and turns out his insurance didn't cover it.
Good point about double-checking exclusions, but honestly, most classic car owners I know skip the agent entirely and go straight to specialty insurers. Regular policies often screw you over on value - learned that one t...
RE: Hypothetical Car Accident: How Does PIP Insurance Actually Work?
Insurance companies could definitely step up their game here. But honestly, it's not just about insurers - drivers gotta take some responsibility too. When I had my classic Mustang rear-ended, I was so ticked off I almos...
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