Car insurance discussions and local services.
timj91
Discussion activity
Topics and replies this member has contributed.
RE: Do occasional DIY supply runs change a Wisconsin car’s use classification?
If those supply runs become a regular part of the year, I wouldn’t wait for renewal to ask. Check the policy’s notice requirements and ask the insurer whether to update the use description or mileage estimate mid-term; t...
RE: Do you really need extra insurance for a rental in Montana?
Honestly, I’ve wondered the same thing. I’ve rented in Montana a few times, and those “roads” can get pretty sketchy - gravel, potholes, whatever. I always spring for the extra coverage, but has anyone actually had a cla...
RE: Getting Cheaper Car Insurance by Proving You Drive Less
Tell me about it. I’ve got a Panamera that barely leaves the garage, but my insurer still wants a tracker and mileage logs. Why should I have to prove I’m not joyriding every weekend? Feels like they just don’t trust any...
RE: Would you risk a higher deductible to lower your insurance bill?
I ran the numbers before making any changes, and honestly, I was surprised how little the premium dropped when I bumped my deductible. I drive a Mercedes, so my baseline insurance is already up there, but the difference ...
RE: Do you really need extra insurance for a rental in Montana?
Title: Do you really need extra insurance for a rental in Montana? You’re not wrong about the fine print - honestly, it’s a mess. But here’s what I don’t get: why do rental companies make it so hard to just know where...
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 base Corolla to a loaded Escalade in Montana, and never once needed ...
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 and endless back-and-forth between the bank and rental company. In the...
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 headaches with them over the years, especially since my car isn’t e...
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 paying for coverage on a German SUV. The last time my car was in the sho...
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 paying a premium for the car, what’s another chunk for comprehensive? Had...
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 get into a fender bender out there, does the hassle of dealing with y...
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 rules. I switched companies after a year because my rates went up over a...
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 threshold. I pushed back, asked for a breakdown, and suddenly the numbers...
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 pointed at “wear and tear.” Do they ever actually cover battery issues unles...
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 caused by an accident or something external (like flooding), they’r...