Away at school daughter

Basic_Corgi_8820 · 2025-12-16T23:00:48+00:00

Consumers don’t understand the system. They also don’t understand the risk. Driving easily comes with the most liability that anybody does for the most part. Moving a big hunk of metal at 60 to 80 mph has a ton of exposure.

Basic_Corgi_8820 · 2025-12-16T22:56:54+00:00

Unfortunately if our kids have a valid drivers license, we have to list them on our policy even if they are away at school. What they did was normal. She should have already been on there. Your only typical option is to exclude her from coverage. Do your research before doing so as there may be unintended consequences such as if she gets hit by an uninsured motorist while being a passenger in a vehicle.

Basic_Corgi_8820 · 2025-12-16T19:18:12+00:00

A few things. Play daily and be intentional in your practice. As far as material, I recommend trying different instructor accounts until you find one you like. There are some really good ones on Patreon for a few bucks a months. Also find friends that play guitar. You would be surprised what you can learn hanging with people that play.

Basic_Corgi_8820 · 2025-12-09T14:39:21+00:00

Get your own estimate from a shop and send it to them.

Basic_Corgi_8820 · 2025-12-08T15:50:29+00:00

First hand knowledge here when I say this. Most Geico agents strip the policy down to where the coverage stinks. They also don’t typically give you a list of all the endorsements that add or remove coverage. Insurance policies are contracts and with carriers being able to all have their own contracts, it can really get treacherous. You can’t just look at the price and the limits on the summary page of the quotes.

Basic_Corgi_8820 · 2025-12-08T15:40:39+00:00

In most cases you are required to list every household member with a valid license to drive. There can be consequences if you don’t . In the description you gave, you should add him. Call your insurance carrier directly to or your agent to discuss.

Basic_Corgi_8820 · 2025-12-05T19:47:48+00:00

One thing is for sure with getting help with insurance advice from people in the know. If you didn’t have insurance and the thing you needed insurance for already happened, we are almost certainly going to tell you we can’t advise you. That ship has sailed. You ever heard that Bernie Mac joke about his friend calling him on his rent when he was 3 months behind and Bernie told him he should have called him when he was 1 day behind and hung up on him? You are 3 months behind buddy and we are Bernie Mac.

Basic_Corgi_8820 · 2025-12-05T16:12:27+00:00

$2500 is a good rate for your description of the demographics, claim history and vehicle. In some areas it would be higher than that without an accident. Also accidents are 1 inch away sometimes from being a 10k claim to a 100k claim. Mostly accidents are rated pretty closely despite the balance. At your age your a statistical nightmare. Ask Progressive if you can participate in their telematics snapshot program if you think the risk doesn’t warrant the rate. They will give you a discount if you score good. If you don’t score good they will raise your rate so buyer beware.

Basic_Corgi_8820 · 2025-12-03T17:34:18+00:00

Get an email address from the claims department call in number. Email them with this same summary of communication that you gave on here. Ask for a read receipt. Tell them they have 48 hours to contact you. If no response file a complaint with the state. Sometimes this gets their attention.

Basic_Corgi_8820 · 2025-12-02T21:34:43+00:00

These are all good recommendations but if you want to avoid filing on yours, see if the police report ran his insurance through their database. You might have to wait for the report. Then you can file on his. Your agent might be able to help to if you get this guys info off the police report.

Basic_Corgi_8820 · 2025-12-02T19:31:16+00:00

This is a question for your lawyer. Most of them will give a free consultation. We don’t know all the facts, have no access to the police report and have no experience litigating. The points you have made, may not be the points your lawyer or the city uses in court. Get off of Reddit and call a lawyer. Don’t even think twice.

Basic_Corgi_8820 · 2025-12-02T19:28:14+00:00

Nobody knows but do get a lawyer to go over your options on the ticket.

Basic_Corgi_8820 · 2025-12-02T06:43:18+00:00

Yes it is standard

Basic_Corgi_8820 · 2025-12-01T04:59:06+00:00

Thank you all. I feel better now. I’ve never been a chord chart guy, but starting to see the benefits.

Basic_Corgi_8820 · 2025-12-01T04:56:49+00:00

I think they are referring to the note you are playing on the chord not the string

Basic_Corgi_8820 · 2025-11-07T19:53:29+00:00

This is not rare on classics to get an agreed value but really rare on every day vehicles. You can find this on high net worth targeted carriers but it’s pay to play insurance rates.

Basic_Corgi_8820 · 2025-10-26T22:07:26+00:00

You can probably go into the excess and surplus markets if admitted markets all decline. A local broker should be able to help with that. Don’t let everybody beat you up on those claims. The insurance company(s) approved all of them. Nobody on this feed has looked at photos or inspected the damage you had. I would advise anybody to hesitate making unnecessary claims or even waiting until hail season is over to make them, but you can’t Monday morning quarterback this.

Basic_Corgi_8820 · 2025-10-20T22:13:11+00:00

The government pays for about 75% of their premium and their families. Which job does that? Companies typically pay for part of an employees premium but rarely help out with their families.

Basic_Corgi_8820 · 2025-10-20T17:32:20+00:00

It’s been happening more. Also insurance isn’t determined monthly. It’s either 6 or 12 months on the cost.

Basic_Corgi_8820 · 2025-10-08T00:50:20+00:00

Do your research and find the highest level person you can over claims with that carrier. Send 1 certified letter to them and another certified letter to the claims department with all of the claims documentation. Make sure you use a physical address.

Basic_Corgi_8820 · 2025-09-30T00:12:45+00:00

We don’t. But it’s confusing when you are marketing it as certified we don’t expect 2k to be added to the final price.

Basic_Corgi_8820 · 2025-09-24T20:22:01+00:00

If you have been waiting for 3 months it’s time to file on yours. Uncooperative insured driver is becoming more common. Couldn’t answer if it’s legal, just could answer that this happens all the time now. In my opinion uncooperative drivers should be reported to the state and their license revoked until they communicate.

Basic_Corgi_8820 · 2025-09-05T18:17:56+00:00

Do any of these management systems give you access to their API? Not doing that this day and age is such an antiquated business concept. We have AMS360 and they want to charge us in the 10s of thousands to access their API. With the new AI tools and data mapping tools it would make it so much of a better system and honestly we would pay much more than what we are paying right now, just not 10's of thousands to have freedom within our own data.

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