Car insurance discussions and local services.
thomasgenealogist2587
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Topics and replies this member has contributed.
RE: How is ACV not just a fancy way to pay us less?
Title: How is ACV not just a fancy way to pay us less? That’s exactly what gets under my skin about ACV. I get the logic, but it still feels like a bit of a loophole for them to pay out less. I’ve had my car totaled b...
RE: Running out of gas and waiting forever for help
I’ve always wondered about that too. I’ve had cars with 200k+ miles and never lost a fuel pump, even though I’m guilty of running the tank down to fumes more times than I’d like to admit. I get the theory - “the pump sit...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
Had a buddy borrow my car for a couple months while his was in the shop. At first, I figured permissive use would cover it - seemed straightforward enough. But when he got a parking ticket and then a minor fender bender,...
RE: Finding decent car insurance deals on the islands - my step-by-step
I hear you on the rust. I’ve lived here long enough to watch three cars slowly dissolve, no matter how much I baby them. Tried undercoating, regular rinses, even those “rust prevention” sprays - still ended up with holes...
RE: Digital Forms Vs. Old-School Paper: Which Makes Claims Smoother?
I hear you on the “lost” paper forms - had a DMV registration slip disappear once, and they acted like I’d never set foot in the place. Digital’s got its headaches too, though. Last year, my insurance claim form froze ha...
RE: Why does picking a deductible feel like a weird gamble?
Man, you nailed it with “life finds that extra cash.” I tried the whole “I’ll just save what I’m not paying in premiums” thing too, but then my car needed brakes and suddenly that fund was toast. I’ve bounced between hig...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
I hear you on the trust thing - sometimes it’s not the insurance you worry about, it’s whether your friend will bring the car back in one piece or with some weird new smell. I’ve always been a bit nervous about the “perm...
RE: Car insurance in Wyoming: who actually treats you right?
Had a similar experience a couple years back - rear-ended in a snowstorm, and the adjuster I got was either new or just didn’t care. Took weeks to get straight answers. My neighbor swears by his local agent, but honestly...
RE: HOW DO YOU DECIDE ON THE RIGHT DEDUCTIBLE FOR YOUR INSURANCE?
Yeah, I hear you on the “it’s a gamble” part. I’ve had both high and low deductibles over the years, and honestly, it’s always felt like rolling the dice. Once, I went with a $500 deductible thinking I’d be safe, and the...
RE: Car Insurance in Delaware - Any Hidden Gems or Hacks?
Can’t say I’ve ever stumbled across any Delaware-specific insurance hacks, unless you count the time my neighbor tried to convince me to register my car at his cousin’s address in Maryland for a “better rate” - which sou...
RE: Are those price-checker sites actually reliable?
I hear you on the negotiation angle - those sites can be handy for that. I’ve had shops try to charge me “luxury car” prices for my old Corolla, and just mentioning an online estimate made them backpedal fast. Still, I a...
RE: Confused about insurance rules in South Dakota - help me figure this out
Yeah, I’ve run into that exact mess before. Thought I was all set with my declarations page and proof of insurance, but the lady at the counter wanted to see my original purchase agreement from five years back. No clue w...
RE: bumped someone's car lightly, no visible damage - should I report?
Yeah, I hear you. A couple years ago, I tapped someone's rear bumper in a parking lot - nothing visible, just a tiny bump. We both shrugged it off and went our separate ways. About two weeks later, the person tracked me ...