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travel878
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RE: Deciding between just liability or going all-in with full coverage on Liberty Mutual
- 100% agree on the risk management angle. I’ve got two kids and a mortgage - if my car got totaled, I can’t just pull cash out of thin air to replace it. - Dropping to liability only makes sense if your car’s worth next...
RE: When The Other Driver Has No Insurance And Dings Your Car
When The Other Driver Has No Insurance And Dings Your Car Yeah, I’m with you on the “gambling” part. Insurance always feels like paying for something you hope never happens, but if it does, you’re glad you have it. Here...
RE: Choosing between basic liability and full coverage for your first car - what did you go with?
Makes sense for an old Civic. I did the same with my kid’s first car - a beat-up Focus. No point paying more for insurance than the car’s worth. If it gets totaled, you’re not out much. Just keep up with the basics and s...
RE: Choosing between basic liability and full coverage for your first car - what did you go with?
FULL COVERAGE FELT LIKE A RIPOFF FOR ME - Paid for full coverage on my first car (old Corolla), mostly because my mom pushed for it. Regretted it after a year - never used it, and the premiums were almost half what the ...
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RE: Which Roadside Help Would You Trust More: AAA or Your Insurance Company?
- Totally get where you're coming from. - Uniforms and logos matter, especially when you're stranded. - Peace of mind is worth a few extra bucks, honestly. - Had a similar situation - random dude, no branding, just...
RE: Mileage-based car insurance: who’s using it and which company do you like?
Mileage-based insurance sounds good on paper, but for families like mine, it’s not always a win. - We rack up miles with school runs, sports, errands, and weekend trips. The “pay-per-mile” thing adds up fast - suddenly ...
RE: Weighing legal trouble vs. losing trust: which is worse after fraud?
Had a cousin who tried to keep his old DUI under wraps. Years later, it came out during a family argument and honestly, the fallout was way worse than the legal mess. People still bring it up at holidays. Guess you can’t...
RE: Getting Lost in the Maze of Uber and Lyft Insurance Rules
Yeah, the “wrong phase” thing is nuts. I looked into it too and it’s like, if you’re just sitting in your car with the app on but no ride yet, you’re basically in insurance limbo. Makes zero sense. I’d rather overpay tha...
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.
- Been there. Last year, our minivan got sideswiped in a parking lot, and I found out the hard way that my “full coverage” didn’t mean squat for uninsured drivers. - Spent hours on the phone. Every rep told me something ...
RE: Why does picking a deductible feel like a weird gamble?
Yeah, it’s a total mind game. I’ve juggled the numbers so many times and still end up feeling like I’m losing either way. Honestly, after one big repair bill, I just stick with a lower deductible now. Peace of mind count...
RE: Confused about insurance rules in South Dakota - help me figure this out
- Been there. Last year, I got pulled over and the cop looked at my phone like it was an alien artifact - wanted the paper, no questions. - I keep both now, just in case. Not worth the hassle, especially with kids in t...
RE: What happens if your rideshare app is between trips and you get into an accident?
Yeah, insurance rules are a maze. I get what you mean about needing a law degree - been there, too. Honestly, the paperwork is brutal but way better than risking your savings. - That’s the kicker. Most folks don’t re...
RE: stuck between Geico and Progressive in NY, thoughts?
Here’s my take, just gonna lay it out: - I get the whole Snapshot thing, but honestly, those alerts drove me nuts after about a week. I’m hauling kids and groceries, not running a race. If I have to slam the brakes beca...
RE: Would your insurance hold up if your EV battery suddenly failed?
- Yep, regular insurance companies aren't exactly jumping to cover EV battery issues. They're still figuring out how to handle this stuff, and meanwhile, we're left guessing. - Had a similar issue with my hybrid battery ...