Good points all around. Digital insurance proofs are convenient, but as you've experienced firsthand, tech can fail at the worst possible time. South ...

Vintage cars definitely have their own unique way of keeping us humble, don't they? Had a similar experience myself a while back—alternator belt snapp...

That's frustrating—I see it happen more often than you'd think. Temporary coverage itself usually isn't the issue; it's more about the insurer's inter...

Good points on factoring in emergency funds and driving habits. One thing I'd add is to consider your comfort level with risk. I've worked with client...

I've dealt with both Geico and Progressive claims in NY, and honestly, experiences vary a lot. Progressive was pretty smooth when I had a minor fender...

That's a good point about accident forgiveness programs—definitely worth looking into. I've noticed that insurers often reward loyalty, so sticking wi...