Haha, preach. Had a fender-bender last year and spent more time on hold than actually driving. 😅 Smaller places can be hit or miss, but when t...

- Been there, done that—glad you snapped a pic, smart move. - Had a similar bump once, thought it was nothing... until the other driver suddenly devel...

Fair enough, but honestly, I've been driving my beat-up Civic for years without comprehensive. At this point, hail damage might actually improve its l...

Totally agree on calling first—no point losing a weekend for peanuts. Couple things I'd add: - Check if your insurer bundles discounts (home/renters +...

- Had a similar thing happen last winter—thought sliding into a snowbank counted as comprehensive (weather-related, right?), but nope, collision.
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- Honestly, I skipped accident forgiveness for years thinking "nah, I'm a careful driver"... then BAM, black ice had other plans. Premiums shot up lik...