Honestly, I used to roll my eyes at uninsured motorist coverage too—felt like the odds were slim. But after my neighbor got rear-ended by someone with no insurance, it hit home how fast things can go sideways. The extra few bucks a month sting, but compared to footing a big repair bill? I’ll take the peace of mind, especially around here where people drive like stop signs are suggestions. Still, I get why folks hesitate... insurance costs add up quick.
...around here where people drive like stop signs are suggestions.
That line cracked me up because it’s way too real. I’ve had my fair share of close calls, and honestly, after my second fender bender (neither my fault, both times the other driver didn’t have insurance), I stopped messing around with the bare minimum coverage. It stings to pay more, but man, those repair bills would’ve wiped me out.
I get why folks want to save every dollar—insurance isn’t cheap, especially if you’ve got a couple tickets or accidents on your record (guilty as charged). But after dealing with the headache of chasing down money from someone who can barely afford their own car, I’d rather just let my insurance handle it and move on.
It’s not perfect, but for me, that peace of mind is worth skipping a few takeout meals each month.
Can totally relate to the “stop signs are suggestions” vibe—feels like every school pickup is an obstacle course. I used to think just having the legal minimum was fine, but after some guy rear-ended me in the rain (and of course, no insurance), I got tired of playing detective for repairs. Paying extra for better coverage stings, but it’s way less stressful than fighting with someone else’s insurance... or worse, getting nothing back at all. Not saying it’s fun to budget for, but it saves a lot of headaches down the road.
Yeah, I hear you on the “minimum coverage” trap. It’s tempting to save a few bucks, but after my neighbor’s uninsured cousin sideswiped my car and just drove off, I stopped messing around. The hassle of chasing people down or dealing with their sketchy insurance isn’t worth it. Honestly, paying a bit more upfront is just less drama in the long run. Arkansas drivers aren’t exactly known for being careful either... I’d rather not gamble with my car or my sanity.
Yeah, I get it. We tried minimum coverage for a while to save cash, but after my wife’s bumper got wrecked in a parking lot and the other driver just ghosted us, we learned our lesson. The extra monthly cost stings, but not as much as paying out of pocket for repairs. Arkansas roads aren’t exactly forgiving either...
