Honestly, you nailed it. The “freaky” stuff just seems to happen more often these days. Even if your car’s older, sometimes that extra coverage is jus...

I totally get the sticker shock on extra coverage—premiums aren’t exactly pocket change. But after seeing a few weird claims come through (hit-and-run...

Limited-use and storage policies are definitely a hidden gem, especially for folks with a second vehicle or something that mostly sits out the winter....

Yeah, digital is handy until it isn't, right? Most states—including South Dakota—accept digital proof of insurance now, but you're spot-on about tech ...

Had a similar wake-up call myself a couple years back. Got stranded with a dead battery in the middle of nowhere, thinking roadside assistance would j...

Yeah, MedPay definitely streamlines things when you're dealing with immediate medical expenses—less paperwork and hassle upfront. PIP's broader covera...

Yeah, that's pretty accurate. Usually, insurance companies look back about 3-5 years for rate hikes, but a DUI is a different beast—some carriers migh...

Yeah, I've seen similar situations pop up lately. On one hand, it does seem a bit over-the-top—especially if the docs are already stored safely indoor...

Yeah, that's a common assumption—family automatically covered—but insurance companies can be surprisingly picky about who's considered an "authorized ...

That's a solid point about documenting conversations. I've seen plenty of cases where having a clear email trail saved someone from headaches later on...