Yeah, that’s pretty much it. I’ve worked claims for three different carriers—one mutual, two stock. Here’s what I see: - Agents can push, but if the ...

Honestly, you nailed most of it. Just to add—PIP also helps cut down on those endless back-and-forths between insurance companies about who’s at fault...

Makes sense if your Mustang’s mostly parked—lower risk, higher deductible saves cash. But I’ve seen people regret it after a freak hailstorm or a hit-...

- Been in the industry a while, and honestly, most companies don’t care about your specific parking situation unless you’re in a single-family home wi...

Here’s the reality from my side of the fence: - Local agents are great if you like having a name and a face, especially when things go sideways. They...

Tracking apps can help, but honestly insurers mostly care about big stuff—accidents, tickets, claims history. Smooth braking and gentle acceleration m...

- AAA response times definitely seem longer lately—I've noticed it myself handling claims. Could be staffing shortages or just more cars on the road t...

- Totally get where you're coming from—big insurers can sometimes turn minor claims into a circus. Seen it plenty of times from the inside. - Local ag...

- Yep, hail damage is one of those sneaky things people assume is covered until it's too late. - Basic liability usually won't cut it for weather-rela...