scarter94
scarter94
@scarter94
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Topics: 0 / Replies: 19
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RE: Dealing with car insurance headaches in MA—any tips?

That’s honestly my biggest gripe with classic car policies. I get the need for documentation, but half the time it feels like a scavenger hunt just to...

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RE: What happens if your rideshare app is between trips and you get into an accident?

This is spot on. The “gray zone” is a nightmare for claims, and honestly, I’ve lost count of how many times I’ve had to break the bad news to drivers ...

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

Honestly, I get where you’re coming from, but it’s not like the system is totally heartless. I’ve seen cases where documented upgrades or recent major...

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

Yeah, they’ll nickel and dime you for a scratch that was probably already there. I’ve seen people get burned because their credit card only covered co...

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RE: Insurance tips for my vintage ride needed

Can’t argue with being thorough, but honestly, I’ve seen folks go overboard and still run into trouble if the paperwork doesn’t match up or something’...

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RE: Would you stick with your insurer for free coffee or movie tickets?

Free coffee is great and all, but I’ve never seen anyone’s stress level drop because they got a cappuccino while waiting for a claim to be processed. ...

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RE: What happens if your rideshare app is between trips and you get into an accident?

Honestly, I see your point about the gaps, but in my experience, some personal insurers will still consider a claim if you’re just logged in and not a...

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RE: Are those price-checker sites actually reliable?

Honestly, I get where you're coming from, but I think those price-checker sites are better than nothing—especially if you’re new in town or don’t have...

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RE: Finding affordable car insurance in Hawaii when you're labeled "high-risk"

That's pretty impressive you got them to budge at all. Smaller insurers can sometimes be more flexible since they're looking for business, but honestl...

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RE: saving cash on insurance when you're young and broke

Yeah, I totally get where you're coming from. I've seen plenty of folks go for those mileage trackers thinking they'll save big, but honestly, the str...

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RE: HOW DO YOU DECIDE ON THE RIGHT DEDUCTIBLE FOR YOUR INSURANCE?

I see your point, but from my experience handling claims daily, I think people underestimate how quickly multiple incidents can stack up. Last year al...

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RE: finally found an insurance company in CA that doesn't drive me nuts

Ha, patience or maybe just testing our sanity... I'm skeptical about relying too much on roadside assistance though. Good call on the portable inflato...

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RE: lent my car to a friend, insurance got messy real quick

Mileage trackers can definitely save money, no argument there. I've seen plenty of cases where people shaved off a decent chunk from their premiums. B...

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RE: Hypothetical Car Accident: How Does PIP Insurance Actually Work?

Yeah, that's pretty spot-on. Insurers definitely look at your area's claim frequency and your personal driving history first. But don't underestimate ...

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RE: Finding affordable car insurance in Hawaii when you're labeled "high-risk"

Coconut damage, huh? Seen that one more times than you'd think—Hawaii problems, right? Curious though, anyone tried bundling home/renters with auto to...

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