Car insurance discussions and local services.
tech_cathy
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Topics and replies this member has contributed.
RE: Navigating the maze of senior insurance options
Honestly, I get the appeal of paper, but I’ve seen it backfire too. Here’s my take: - Paper copies can get lost, damaged, or be out of date. Had a client once who handed over an expired insurance card after a minor acci...
RE: Would you risk a higher deductible to lower your insurance bill?
Yeah, I get where you’re coming from. I see a lot of folks regret the higher deductible after a minor accident - especially city drivers. It’s easy to think you’ll never need to file a claim until that random hit-and-run...
RE: Bundling insurance with USAA: worth it or just hype?
Honestly, I’ve seen both sides of this. Had a guy last year with a couple at-faults - his bundled rate was way better than anything else he could get, even after shopping around. But I’ve also seen folks get lulled into ...
RE: Getting Cheaper Car Insurance by Proving You Drive Less
Honestly, I’ve seen a lot of folks expecting big savings from these “prove you drive less” programs, but the reality’s usually underwhelming. A few things I’ve noticed: - Unless you’re barely putting miles on your car, ...
RE: Why does insurance cost more in Houston than Austin or Dallas?
- Can’t argue with that. Houston’s traffic is wild compared to Austin or Dallas, and the flood risk alone bumps up claims. - Dashcams are a solid move. I’ve seen them make a real difference when it comes to sorting out f...
RE: Why does picking a deductible feel like a weird gamble?
- Been there. I’ve seen people swear by low deductibles until they see their premium hike, then regret it. - Personally, I went high on mine too. First claim I filed, I was cursing myself... but the next few years, nothi...
RE: Car insurance in Wyoming: who actually treats you right?
- Been on both sides of this - seen folks get burned by cheap online policies that looked good until claim time. - Had a claim last winter where the customer thought hail damage was covered, but the policy had a weird ...
RE: Do you really need extra insurance for a rental in Montana?
Yeah, I’ve seen this too. Honestly, your point about taking tons of photos is spot on - documentation is everything. The “peace of mind” pitch feels overblown sometimes, especially if your own coverage is solid. Rental d...
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, I hear you - used car prices are all over the place right now. I’ve had claims where a ten-year-old sedan suddenly books for way more than I’d expect, just because inventory’s so tight. It’s not just about blue boo...
RE: Weighing legal trouble vs. losing trust: which is worse after fraud?
Honestly, I get where you’re coming from, but I’m not sure it’s always so black and white. Here’s how I see it: - Legal stuff can haunt you for years, especially with background checks. Some companies just won’t budge. ...
RE: Deductibles and premiums - what's the real deal?
Been on both sides of this - seen people gamble with high deductibles to save a few bucks each month, then totally regret it when something small but expensive happens. Here’s my take: - The “it’ll never happen to me” c...
RE: lent my car to a friend, insurance got messy real quick
- Honestly, potholes are a tricky area - seen it plenty at work. - Policies usually cover sudden accidental damage, but potholes get lumped into "wear and tear" or maintenance issues. - Frustrating, I know...always w...
RE: lent my car to a friend, insurance got messy real quick
Good points here, but from experience I'd add: - Even if your policy covers lending, claims can still jack up your premiums later. - Insurers might technically cover it, but they'll scrutinize every detail to find looph...