Totally agree on calling first—no point losing a weekend for peanuts. Couple things I'd add: - Check if your insurer bundles discounts (home/renters +...

- Had a similar thing happen last winter—thought sliding into a snowbank counted as comprehensive (weather-related, right?), but nope, collision.
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- Honestly, I skipped accident forgiveness for years thinking "nah, I'm a careful driver"... then BAM, black ice had other plans. Premiums shot up lik...