woodworker79
woodworker79
@woodworker79
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Topics: 0 / Replies: 19
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RE: How do they actually decide when a car is “totaled”?

Had a similar experience with my old Civic. I’d babied that thing—fresh fluids, new brakes, even splurged on some fancy floor mats. When it got rear-e...

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

I’ve wondered about this too, especially after my cousin basically turned my old Honda into her personal Uber for a whole summer. She’d “borrow” it fo...

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

That trunk photo thing cracked me up too—like, what are they expecting to find back there, a family of raccoons? I swear, next they’ll want a selfie w...

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RE: How I managed to stack discounts for military student drivers

Yeah, I’ve run into that “FAQ wall” too—like they think a generic link will make us forget what we asked. Once, I actually printed out their own promo...

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RE: Confused about Illinois car insurance rules—anyone else?

Faxing is like the cockroach of paperwork—it just won’t die. But about digital copies, I actually did get some side-eye from a state trooper once. He ...

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RE: Confused about insurance rules in South Dakota—help me figure this out

Never had anyone actually scan my phone—usually they just kind of squint at it, nod, and hand it back. One time, the officer joked he was just checkin...

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RE: Are Loyalty Perks With Insurers Even Worth It Anymore?

Loyalty perks always sound fancier than they actually are, don’t they? I remember sticking with the same company for nearly a decade because they sent...

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RE: is accident forgiveness really worth it in Ohio?

Title: Is Accident Forgiveness Really Worth It In Ohio? That’s exactly how I’ve always looked at it. I remember when my agent first pitched acciden...

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RE: Roadside help added to my insurance—totally worth it?

Man, I hear you on those “unlimited” plans—had the same thing happen when my alternator gave out in the middle of nowhere. Towing guy just laughed and...

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RE: Deductibles and premiums—what's the real deal?

Man, the “luxury tax” on parts is so real. I once had to replace a mirror on my old 5-series and the quote made me question every life choice that led...

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RE: Insurance tips for my vintage ride needed

I swear, my glovebox used to look like a squirrel’s nest with all the receipts I’d stuffed in there. Switched to snapping pics after I lost a $40 carb...

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RE: is accident forgiveness really worth it in Ohio?

I get the hesitation, but honestly, accident forgiveness always felt like paying extra for something you might never use—kinda like extended warrantie...

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RE: Finally figured out how car insurance works in no-fault states

Dashcams are honestly underrated. I used to roll my eyes at my buddy who swore by his, until one day a cyclist clipped my side mirror and blamed me fo...

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RE: HOW DO YOU DECIDE ON THE RIGHT DEDUCTIBLE FOR YOUR INSURANCE?

Yeah, insurance is such a weird balancing act. I used to be all about low deductibles until I realized I was basically throwing money at my paranoia. ...

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RE: Can Military Folks Really Get Cheaper Insurance Rates?

I've been with USAA a while too, and yeah, they're usually pretty solid. But honestly, the whole "cheaper rates" thing can be hit or miss...my cousin'...

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