I’ve had adjusters take scanned docs, but it’s hit or miss. Last year after a fender bender in Cheyenne, I emailed everything—photos, police report, t...

I get where you’re coming from, but I learned the hard way—had a fender bender last year, nothing major, but the deductible hit me like a ton of brick...

Honestly, I feel you on the “don’t crash” plan—been running that one myself for years. Thing is, I learned the hard way that some insurers will fight ...

Yeah, you’re spot on about the repair costs. My neighbor scraped his Tesla’s bumper last year—looked like nothing, but the bill was north of $4k becau...

That’s exactly it. I had one of those apps ding me for “hard braking” when a kid darted out between parked cars. Like, what am I supposed to do, just ...

Never heard of anyone getting a claim approved just because the battery gave up the ghost. My cousin tried with his Leaf—battery died way earlier than...

Had a similar run-in last year. My car got rear-ended, and the first estimate was way under what the repairs actually cost. I pushed back, suddenly th...

I get the complaint-driven idea, but honestly, I've lived next to a guy who swore his rusted-out 'project' was gonna be road-ready "any day now"...for...

I get the appeal of cheaper insurance, but personally, I'm still wary of those tracking apps. Last winter, I had one installed for about two months—fi...

Had a similar experience last winter. Thought I was golden with my setup until the city inspector swung by and pointed out my tarp wasn't "secured ade...

Yeah, it does feel harsh sometimes. But honestly, after seeing a couple nasty accidents firsthand, I'm kinda glad they're strict. Had a buddy who used...

I was skeptical too until my son rear-ended someone last summer. USAA's accident forgiveness saved us from a nasty premium hike. Still, like you said,...