stevenrunner
@stevenrunner
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Topics: 0 / Replies: 16
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RE: Bundling insurance with USAA: worth it or just hype?

Bundling’s one of those things that sounds smarter than it always is, honestly. I’ve seen folks save a chunk, but I’ve also seen people get locked int...

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

It’s wild how little those maintenance records seem to matter, right? I’ve seen folks show up with binders that could double as doorstops—oil changes,...

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

Honestly, I’m not convinced those pay-per-mile policies actually fill the rideshare gap. Most of the ones I’ve looked into only cover personal use, no...

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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.

Honestly, I get why you’re torn. I’ve seen people keep comp on cars older than yours just because they can’t afford a nasty surprise, but is it always...

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RE: stuck between Geico and Progressive in NY, thoughts?

That paint mismatch would drive me nuts too. Out of curiosity, did you try pushing back with Geico about the quality, or was it just not worth the hea...

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RE: Insurance tips for my vintage ride needed

That fine print is wild, right? I remember when my dad’s old Mustang got dinged up in a parking lot—he thought his “full coverage” would handle everyt...

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

I get where you’re coming from, but I’ve seen it play out differently depending on the state and the insurance company. Some personal insurers will de...

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RE: How I managed to stack discounts for military student drivers

That’s a fair take. The fine print really is where they get you, huh? I’ve seen folks get totally different answers depending on who they talk to, but...

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RE: Drowning in Forms: What If Your Insurance Docs Got Lost?

DROWNING IN FORMS: WHAT IF YOUR INSURANCE DOCS GOT LOST? Honestly, I get the digital backup thing, but do you ever wonder if we’re just trading one h...

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RE: CLASSIC CAR STORAGE: ARE NEW CITY RULES GOING TOO FAR?

I've been wondering about that myself—do these new rules actually limit your access, or is it more about how long you can keep the car parked in one s...

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

Yeah, I get the hesitation about paying extra monthly for something you might never use...but have you looked into how quickly PIP kicks in after an a...

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

I get where you're coming from about the savings discipline, but here's something I've always wondered—how many people realistically set aside that de...

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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, covered parking can definitely help, but have you checked if you're actually getting a decent discount for raising your deductible? Sometimes th...

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

Fair point about not reading every line of the policy, but honestly, isn't expecting PIP to cover a luxury rental a bit optimistic? Usually, PIP is mo...

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RE: commercial insurance headache—need some advice

Yeah, endorsements can help, but I've seen cases where even those have sneaky exclusions buried in the wording. Makes me wonder—has anyone actually ha...

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