Insured vs uninsured broker, I learned the hard way in Austin

I had to choose between a carrier quoting $950 with no visible insurance docs and a pricier one at $1,275 who sent everything upfront. I went cheap to save cash, and my 2018 Civic showed up two days late with a scrape on the rear bumper. The broker ghosted me and the driver's policy was a total fake, so now I'm stuck with a $600 repair bill. Has anyone else gotten burned by unverified haulers, or do you always pay extra for the paper trail?

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sagelane20d ago

Used to figure paperwork was just a formality until I got stuck with a fake policy and a dented bumper myself, now I pay the extra every single time for the peace of mind.