Rain was hammering the windshield as I white-knuckled the steering wheel last November. One hydroplane later, my sedan kissed a guardrail with that sickening crunch only metal makes. That sound still echoes in my nightmares. My basic insurance covered the other driver\truly means – it\mentality? It\coverage – paying for rentals while your car\versus \options for classics. One coffee-fueled hour comparing deductibles ($500 vs $1,000) could save you thousands long-term.
That guardrail incident became my financial awakening. Comprehensive coverage feels like paying for an umbrella you hope never unfolds. But when life\does that kick in only during total loss situations?
How does AllRisk handle custom modifications? My truck has $8k in aftermarket upgrades.
Any tips for negotiating better rates? My insurer just hiked my premium 20% after a hailstorm claim.
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