timb43
@timb43
Eminent Member
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Topics: 3 / Replies: 19
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RE: Getting Lost in the Maze of Uber and Lyft Insurance Rules

I get where you’re coming from—the insurance “periods” thing is confusing, and honestly, it’s not just rideshare. Even regular auto policies have thei...

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RE: If You Had To Switch Insurance In Kentucky, Who Would You Trust?

Man, the “loyalty discount” disappearing act is the oldest trick in the book. I get why you’d feel like it’s a game of roulette—rates seem to spin eve...

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RE: Things I wish I'd known before picking my first insurance

I get where you’re coming from, but honestly, those “little details” are usually what make or break a claim. I’ve seen folks lose out just because the...

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RE: Cutting my car insurance bill in half—didn’t think it was possible here

Cutting My Car Insurance Bill In Half—Didn’t Think It Was Possible Here Funny how “full coverage” sounds like it should mean you’re totally set, righ...

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RE: Getting Lost in the Maze of Uber and Lyft Insurance Rules

You nailed it about that “gap” period—most people have no idea their regular policy just stops covering them the second they flip on the app but haven...

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RE: Getting Lost in the Maze of Uber and Lyft Insurance Rules

You’re not wrong—those “incidental business use” clauses are a minefield. I’ve seen folks assume they’re good to go because their agent said “business...

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RE: Classic car insurance and the annual mileage cap—worth it?

That’s a fair point about flexibility. Have you checked if any of the classic policies offer a higher mileage cap or occasional “trip” allowances? Som...

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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.

That’s a pretty common experience, and honestly, it’s one of those things that catches a lot of people off guard. When it comes to mods, unless you’ve...

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RE: is accident forgiveness really worth it in Ohio?

Right? I always joke that my commute is more Frogger than freeway. But yeah, accident forgiveness usually skips over those deer hits since they’re com...

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

I get the frustration with those tracking programs—especially in NYC. You said, That’s a real issue. But have you looked into whether either company ...

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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, it’s confusing—insurance plans can be a maze. You’re right to question what’s actually included. Comprehensive usually covers hail, but liabilit...

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RE: how bad would insurance spike after a DUI in Idaho?

That's an interesting thought, but honestly, from what I've seen, smaller insurers aren't necessarily more flexible—they might just have different ris...

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RE: Finally figured out how to stop worrying about roadside help running out

Having a backup kit in the trunk is definitely a smart move. I've got one myself—jump starter, flashlight, tire inflator, and yes, duct tape (because ...

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

I think emotional comfort definitely plays a role, even if we try to be purely logical about it. I've seen people choose higher deductibles to save mo...

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