zeusb45
zeusb45
@zeusb45
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RE: What happens if your rideshare app is between trips and you get into an accident?

That’s exactly why I double-checked my policy before even thinking about driving for an app. The “gap” period is so weird—like, you’re technically wor...

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RE: USAA vs State Farm: which claims process is less of a headache?

I hear you on the OEM vs aftermarket debate—it’s such a pain to figure out what’s actually covered. When I had to file a claim with USAA, I made sure ...

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RE: Why does insurance cost more in Houston than Austin or Dallas?

I’ve been wondering if anyone’s tried bundling their home and auto together in Houston and actually seen a noticeable drop? I keep hearing that’s the ...

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RE: How do they actually decide when a car is “totaled”?

Yeah, it’s mostly a numbers game with insurance. They look at what your car’s worth before the accident, then compare that to how much repairs would c...

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RE: How do they actually decide when a car is “totaled”?

It’s pretty frustrating when you see a car get written off over what looks like minor damage. From what I’ve learned, insurance companies usually comp...

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

Honestly, I totally get why you’d want to double-check all this. I’m still new to driving and I worry about getting pulled over and not having the rig...

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RE: SHOP AROUND OR STICK WITH THE FIRST DECENT QUOTE?

I get where you’re coming from, but sometimes too much shopping around can actually make things more confusing, at least for me. I’ve noticed some of ...

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RE: Which is better for SR-22 in ND: local agents or online companies?

That’s been my experience too. I was super nervous about messing up the SR-22 process, so I tried to break it down step by step. First, I called a cou...

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RE: just saw a story about a guy in Kansas whose car got totaled by hail, and turns out his insurance didn't cover it.

Yeah, that “full coverage” label is super misleading. I remember sitting down with my parents to look over my policy and being shocked at how much stu...

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RE: Insurance paid way less than what it cost me to replace my roof

Man, I totally get the “maze” feeling—insurance stuff is like a choose-your-own-adventure where every ending costs you money. My trick now is to make ...

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

I get where you’re coming from, but honestly, I’d rather pay a bit more each month and not have to stress about a huge bill if something wild happens....

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RE: bumped someone's car lightly, no visible damage—should I report?

I always overthink this stuff, but here’s what I’d do step-by-step: 1) Take pics from different angles, even if it looks fine. 2) Leave a note with my...

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RE: saving cash on insurance when you're young and broke

That's actually a pretty smart workaround. I was super hesitant about telematics too—just felt uneasy knowing every braking or acceleration could be m...

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RE: My insurance nightmare in Rhode Island traffic court

Good advice there. One more thing I'd add—make sure your dashcam actually overwrites old footage properly. I once borrowed my dad's car for practice a...

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RE: Just saved a chunk of cash on car insurance after defensive driving course

Couldn't agree more with this. Yeah, the courses are a bit of a snooze fest, but think about it step-by-step: First, you endure a few hours of dull vi...

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