Car insurance discussions and local services.
snorkeler73
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Topics and replies this member has contributed.
RE: Letting Friends Borrow Your Car in NY - What Insurance Actually Covers?
I totally get where you’re coming from - especially with classic cars, I’m super cautious. But here’s what I’ve wondered: if you let a friend drive your car in an emergency (like, say, they need to take you to the hospit...
RE: Do you really need extra insurance for a rental in Montana?
I’ve actually had a claim denied because I took a rental down a “maintained” gravel road outside Bozeman. Turns out, “maintained” didn’t matter - fine print just said “unpaved.” Learned that lesson the hard way. I’m with...
RE: Finding decent car insurance deals on the islands - my step-by-step
I’ve had the same debate with myself more times than I care to admit. With the way people drive here - plus the random stuff like falling coconuts, wild chickens darting out, or even just salt air doing its thing - it’s ...
RE: Finding decent car insurance deals on the islands - my step-by-step
That’s a fair point. I’ve always been a bit wary of the “too good to be true” offers, but I’ll admit - when my old Mustang got rear-ended a few years back, the bundled policy I had actually made things way less painful t...
RE: Which Roadside Help Would You Trust More: AAA or Your Insurance Company?
I get the appeal of AAA’s single number and network, but has anyone actually compared the fine print on both? I’ve noticed some insurance roadside plans have better towing mileage or cover more types of vehicles - especi...
RE: Do you really need extra insurance for a rental in Montana?
That’s exactly what worries me. I’ve actually tried reading through the exclusions, but it’s like deciphering a foreign language. I’d rather pay a bit extra for the rental company’s coverage than risk some obscure clause...
RE: Renting a car: stick with GEICO or pay for the rental company’s insurance?
Yeah, those exclusions can be a real headache. I’ve had friends think their credit card covered everything, only to find out later about some random clause. Ever notice how the rental companies always seem to have a new ...
RE: SCORED A SWEET DEAL ON INSURANCE THANKS TO MILITARY DISCOUNT
Totally get where you’re coming from. I’ve always wondered - how much data do they actually collect, and what happens if there’s a glitch? I’d rather deal with the hassle of a photo than risk my Sunday cruise being track...
RE: WHEN DOES PAYING EXTRA FOR MEDICAL COVERAGE ON AUTO POLICIES MAKE SENSE?
I’ve actually had a friend get stuck in that exact insurance limbo - her health insurance basically said, “Check with your auto policy first,” and then the auto folks dragged their feet. Took months to sort out, and she ...
RE: Getting that student discount on car insurance… not as easy as I thought
I’ve got to agree there - peace of mind goes a long way, especially when it comes to insurance. I’ve never seen anyone get more than maybe $10-15 off a month with those student discounts, and that’s only after jumping th...
RE: How do they actually decide when a car is “totaled”?
That’s a good point - insurance can be a real headache with salvage titles. I’m curious, though, does anyone know if the “totaled” decision is purely about repair cost vs. value, or do things like parts availability or a...
RE: Why can’t I use my points AND a coupon at checkout?
Yeah, I’ve run into that wall too. Like you said, it’s a bit like gas stations - one reward per transaction, no matter how many you’ve got lined up. I get that they don’t want folks double-dipping, but sometimes it feels...
RE: just saw a story about a guy in Kansas whose car got totaled by hail, and turns out his insurance didn't cover it.
Totally get this. Every time I renew, I’m grilling my agent about “what if” scenarios - hail, squirrels, you name it. Ever notice how “full coverage” means something different at every company? Makes me wonder if anyone ...
RE: Insurance tips for my vintage ride needed
Mileage caps are definitely one of those things that make me second-guess every little trip in my ‘72 Datsun. I get the reasoning - risk management and all - but it does feel like you’re being punished for actually wanti...
RE: Insurance renewal hikes caught me off guard
Totally get where you’re coming from. I’ve wrestled with that same question - how much is “enough” coverage? It’s tough, because you never really know until something happens. I lean toward over-insuring just for the pea...