timj91
@timj91
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Topics: 1 / Replies: 15
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RE: Do you really need extra insurance for a rental in Montana?

Honestly, I always wonder who’s actually making money off those extra insurance plans—feels like the house always wins. I’ve rented everything from a ...

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RE: Dealing with car insurance headaches in MA—any tips?

Honestly, the credit card claim process is a nightmare. Tried it once after a minor fender bender with my previous car—ended up buried in paperwork an...

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RE: Letting friends drive your car in MN: better to add them or rely on permissive use?

Honestly, you nailed it with the commercial use thing—insurance companies will do anything to wriggle out of a claim if they can. I’ve had my share of...

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RE: Finding decent car insurance in Delaware without losing your mind

I hear you, but is it really just luck? I’ve had “comparable” mean anything from a base model sedan to a pickup with zero features—meanwhile, I’m payi...

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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.

I hear you on the peace of mind thing. I drive a late-model BMW, and honestly, I don’t mess around with coverage. The way I see it, if I’m already pay...

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RE: Do you really need extra insurance for a rental in Montana?

I always skip the rental company’s insurance, but I drive higher-end cars at home and my policy covers rentals. Still, I’ve wondered—if you actually g...

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RE: Finding budget-friendly auto insurance in Alabama: my step-by-step

I’ve had the same gripe with those telematics—feels like they penalize you for actually paying attention to real-world traffic, not just textbook rule...

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

Had a similar run-in last year with my S-Class. The adjuster tried to tell me it was totaled because the repair estimate was “close enough” to the thr...

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RE: Would your insurance hold up if your EV battery suddenly failed?

Honestly, I’ve wondered the same thing. My S-Class EV’s battery started acting up after a minor scrape, and the adjuster basically shrugged and pointe...

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RE: Would your insurance hold up if your EV battery suddenly failed?

Insurance and EV batteries is a weird one. From what I’ve seen, most policies treat battery failure like any other mechanical breakdown—so unless it’s...

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RE: anyone else feel like AAA insurance isn't what it used to be?

Isn't that just the trade-off, though? I mean, I love my luxury ride, but every little ding or sensor issue seems to cost a fortune. Can't really blam...

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RE: keeping your vintage ride running smooth on long trips

Had a similar issue on my Jag last summer. Heard a weird humming noise on highway runs, was convinced the diff or bearings were going out. Did you eve...

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RE: Finding affordable car insurance in Hawaii when you're labeled "high-risk"

True, consistency matters, but have you noticed if certain insurers here in Hawaii treat luxury vehicles differently when labeling someone "high-risk"...

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RE: keeping your vintage ride running smooth on long trips

Have you ever had marine adhesive fail on you mid-trip though? I tried it once on a trim piece that kept rattling loose—figured if it holds boats toge...

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RE: finally found an insurance company in CA that doesn't drive me nuts

Tried it once on my car's infotainment system—total nightmare. Endless paperwork, calls, and waiting... eventually just paid out of pocket. Maybe it's...

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