Car insurance discussions and local services.
spirituality964
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Topics and replies this member has contributed.
RE: how much car insurance coverage do you actually carry?
Kansas’ legal minimum is a starting point, not necessarily a ceiling on what you could owe. Liability limits cap what your insurer pays for a covered claim; they don’t cap an injured person’s claim against you. A practic...
RE: Would you risk a higher deductible to lower your insurance bill?
Here’s how I look at it: - If your emergency fund is only $1k and your deductible is close to that or higher, it’s a bit risky. If something happens, you’d wipe out your savings in one go. I’d personally want at least t...
RE: How did you feel after your first accident and dealing with insurance?
- 100% agree, those forms are like a pop quiz you didn’t study for. - I actually keep a little notepad in my glove box now - just jot down the basics right after anything happens. Helps when the adrenaline’s still going....
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.
Yeah, the whole “full coverage” thing is super misleading. I learned the hard way a few years back - thought I was covered for everything, but nope, hail trashed my hood and it was all out of pocket. It’s wild how agents...
RE: Is Paying For Roadside Help Worth It Or Just Extra?
I get where you’re coming from - been there with a dead battery in the pouring rain, and waiting for roadside was still better than trying to flag someone down. Here’s how I look at it: - If you drive older cars (like m...
RE: Classic car insurance and the annual mileage cap - worth it?
- Been there with my old Civic - classic insurance wanted odometer pics at renewal, but never checked in between. - After a fender bender, they did ask for mileage, but only because it was a bigger claim. - Day-to-day, i...
RE: What happens if your rideshare app is between trips and you get into an accident?
Honestly, I get the worry, but I think it’s easy to overestimate how often that “gray area” actually bites people. Here’s my take: - Most major rideshare companies do offer some coverage during the waiting period, just ...
RE: Why is figuring out how much car insurance you ACTUALLY need so confusing?
Totally agree about reading the fine print - dealers and agents seem to love selling you the same coverage twice. I’ve had similar experiences with glass claims too; my last car had lane assist and rain sensors in the wi...
RE: Do you really need extra insurance for a rental in Montana?
Had a similar situation last summer - rented a car in Bozeman for a road trip through Yellowstone. I skipped the extra insurance, thinking my credit card coverage was enough. Ended up with a cracked windshield from a fly...
RE: Classic car insurance and the annual mileage cap - worth it?
CLASSIC CAR INSURANCE AND THE ANNUAL MILEAGE CAP - WORTH IT? - 100% agree on the unpredictability. I tried the mileage cap route a couple years back, thinking I’d just use the car for shows and the odd Sunday drive. Nex...
RE: Why does insurance cost more in Houston than Austin or Dallas?
- Gotta agree, Houston’s just a beast when it comes to traffic. - More cars, more chaos - simple math, right? - But honestly, I’ve seen some wild stuff on 610 that makes me question humanity... - Insurance companie...
RE: Which is better for SR-22 in ND: local agents or online companies?
Honestly, I’ve had local agents drop the ball too, so I totally get what you mean about nothing being foolproof. Having digital copies saved me once when my glovebox got cleaned out and my registration vanished. Curious ...
RE: Someone smashed my parked car - deal with insurance or call the cops?
- Totally get where you’re coming from. - Insurance folks seem obsessed with paperwork - if there’s even a whiff of someone else being involved, they want that police report. - I once tried to skip the report for a b...
RE: My insurance nightmare in Rhode Island traffic court
I've had similar overheating issues with magnetic mounts during peak summer months. A few things I've noticed: - Last August, I was stuck on a long drive through Rhode Island traffic (funny enough, right near the courth...
RE: Finally figured out my state's minimum car insurance rules and saved some cash
Yeah, brakes can really sneak up on you. Couple months back my Focus decided it needed new tires AND alignment at the same time - goodbye, savings. Cars just have a sixth sense for when you're feeling financially comfort...