Car insurance discussions and local services.
travel947
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RE: When The Other Driver Has No Insurance And Dings Your Car
Honestly, I used to roll my eyes at all the “add this coverage” stuff too, but after seeing a friend get rear-ended by someone with no insurance, I changed my tune real fast. Here’s why I keep uninsured motorist on my po...
RE: Letting friends drive your car in MN: better to add them or rely on permissive use?
Honestly, I get where you’re coming from, but I actually think permissive use is still fine for short-term stuff. Here’s why I’d hesitate before adding someone: - If it’s just a weekend or a few days, most policies are ...
RE: Best ways to snag insurance discounts in Alaska: driving record vs. bundling?
Bundling’s worked better for me than relying on a clean record alone. I get a decent break for having home and auto together. But yeah, I agree - loyalty discounts are pretty underwhelming. Shopping around every year kee...
RE: How did you feel after your first accident and dealing with insurance?
- Totally get this. After my first fender bender, I thought I had all my docs ready, but ended up digging through my glove box like a raccoon. - Tried to rely on an app for insurance info - phone died right when I needed...
RE: Best ways to snag insurance discounts in Alaska: driving record vs. bundling?
- Totally get where you’re coming from. - I tried one of those apps last winter - thought I was being careful, but it dinged me for “hard braking” every time I hit black ice or dodged a moose. - Ended up with a tiny ...
RE: SCORED A SWEET DEAL ON INSURANCE THANKS TO MILITARY DISCOUNT
Honestly, I do the exact same thing - digital card on my phone, but paper copy tucked away in the glove box just in case. Never hurts to be over-prepared, right? - Some states technically require you to have a paper cop...
RE: Avoiding hefty fines for driving without insurance in OK - how I do it, but is there a better way?
- Laminated copy in the wallet? Not overkill at all - mine’s survived coffee spills and a toddler’s “wallet inspection.” - Photo on the phone is smart, but I’ve had my battery die at the worst times. - Glove box stas...
RE: Rental car insurance: worth it or just a money grab?
I get where you’re coming from, but honestly, I see it a bit differently. Here’s why I usually take the rental insurance, even if it feels like a money grab: - - That’s exactly it for me. I’d rather pay a little extra ...
RE: Insurance paid way less than what it cost me to replace my roof
That PDF scavenger hunt is spot on - I've done the same, just CTRL+F for "deductible" and hope for the best. Last year, after a hailstorm trashed my roof, I learned real fast how much “actual cash value” stings. The payo...
RE: is accident forgiveness really worth it in Ohio?
- Accident forgiveness has saved my bacon once, and honestly, I’d pay for it again just for the peace of mind. - In Ohio, rates can jump a lot after even a minor at-fault. My cousin’s premium went up almost $400 a year...