riveryogi
riveryogi
@riveryogi
Eminent Member
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Topics: 3 / Replies: 21
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RE: Adding a teen driver in Hawaii: bundle with parents or separate policy?

Man, those discounts are like some kind of insurance magic trick. I used to think splitting off would save me money, but after my last speeding ticket...

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RE: Things I wish I'd known before picking my first insurance

Man, I totally get the frustration with agents breezing past the claim timelines. I swear, the last time I had to file a claim, it felt like my car wa...

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RE: If You Had To Switch Insurance In Kentucky, Who Would You Trust?

I tried to bundle my old Mustang with my regular policy once (Progressive), thinking it’d be less hassle, but they just looked at me like I was nuts. ...

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RE: Why does picking a deductible feel like a weird gamble?

Title: Why does picking a deductible feel like a weird gamble? Man, this is exactly what keeps me up at night. I swear, every time I try to save a ...

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

Yeah, I hear you on the “loss of use” thing—those fees are sneaky. I’ve had my fair share of tickets and fender benders, so I’m always a little parano...

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RE: If You Had To Switch Insurance In Kentucky, Who Would You Trust?

You nailed it about the agent making all the difference. I’ve bounced around a few companies over the years—mostly because, well, my record’s not exac...

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RE: Why does insurance cost more in Houston than Austin or Dallas?

Yeah, I get what you mean about the risk pool. I’ve got a couple tickets and a fender bender on my record, so my rates are already up there, but livin...

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RE: If You Had To Switch Insurance In Kentucky, Who Would You Trust?

Yeah, I get that. I’ve had my fair share of “uh oh” moments with my phone dying right when I needed it most. The idea of relying on an app for proof o...

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RE: What to do when the other driver has no insurance

Totally get that feeling. I’ve had my share of “wait, why am I doing all this work?” moments with insurance too. Stacking sounded smart to me at first...

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RE: Renting a car: stick with GEICO or pay for the rental company’s insurance?

Yeah, I get that. I’ve had a couple of “incidents” (not proud), and dealing with my regular insurer was a nightmare. They acted like “loss of use” was...

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RE: How do they actually decide when a car is “totaled”?

Yeah, I’ve been through this mess a couple times. Last year, my old Civic got rear-ended and I’d just put new tires and brakes on it—like, literally t...

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RE: How do they actually decide when a car is “totaled”?

I get that it’s about the numbers, but sometimes I wonder if the formulas are a bit too rigid. Like, I’ve had cars that technically “should” have been...

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RE: quick heads-up on Arkansas auto insurance basics

I hear you on the dashcam thing. I used to think it was overkill until I got sideswiped in a parking lot and the other driver tried to say it was my f...

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RE: Roadside help added to my insurance—totally worth it?

Honestly, I’ve had insurance roadside show up faster than AAA a couple times. The only hiccup was once they sent a guy who didn’t have the right tools...

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RE: Drowning in Forms: What If Your Insurance Docs Got Lost?

I wish I could trust my phone that much, but I’ve had it die right when I needed proof before. Maybe it’s just my luck, but having a backup paper copy...

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