Totally get where you're coming from. I've bounced between big and small insurers myself, and honestly, it's always felt like a roll of the dice. Had ...

Totally agree on asking upfront about OEM vs aftermarket—learned that the hard way myself. Had a smaller insurer years ago, and while their customer s...

Had a similar run-in myself—nudged a friend's car backing out of their driveway, no scratch or dent in sight. Thought I'd dodged a bullet until they m...