skyfrost170
@skyfrost170
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Topics: 0 / Replies: 10
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RE: How do they actually decide when a car is “totaled”?

Yeah, comps can be a pain with anything vintage or unique. I’ve seen adjusters just default to “average” values even when it makes no sense. Ever trie...

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RE: Why Is PIP Mandatory In Some States But Not Others?

- Totally hear you on the budget squeeze—insurance premiums can feel like a lot, especially when you’re just starting out. - PIP (Personal Injury Prot...

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RE: Why is figuring out how much car insurance you ACTUALLY need so confusing?

WHY IS FIGURING OUT HOW MUCH CAR INSURANCE YOU ACTUALLY NEED SO CONFUSING? Totally get what you mean about the peace of mind. Those roadside assistan...

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RE: Deductibles and premiums—what's the real deal?

It’s a classic trade-off, right? Here’s how I usually break it down for folks: - Higher deductible = lower monthly premium, but you’ll pay more out o...

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RE: Insurance renewal hikes caught me off guard

Honestly, it does feel that way sometimes. The double-billing thing is a pain—timing the switch is trickier than it should be. Calling to confirm canc...

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RE: Little-known trick with Progressive’s roadside help

Totally get it—fine print can be brutal. Seen a lot of folks surprised when “personal use” doesn’t cover work gear, or even just stuff left in the car...

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RE: Insurance headaches for risky drivers in NC—stick with big names or go local?

Totally get where you’re coming from. I’ve seen clients with classic cars that barely see daylight, but their rates are sky-high just because of the z...

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RE: how bad would insurance spike after a DUI in Idaho?

Couldn't agree more with this. I've seen plenty of cases where smaller, local insurers can offer way better rates after a DUI compared to the big nati...

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

Good tips here—especially the defensive driving course. Took one myself after a couple of tickets (oops...), and it actually wasn't as boring as I exp...

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RE: bumped someone's car lightly, no visible damage—should I report?

Totally agree with this. Had a client once who skipped the note because it looked like nothing happened...two weeks later, surprise claim popped up. Y...

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