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Couldn’t agree more—UM is one of those “better safe than sorry” deals. I had a buddy with a new Audi get rear-ended by someone with the bare minimum coverage, and the repair bill was almost double what their insurance would pay. UM made up the difference, but yeah, it took a while. Out of curiosity, has anyone here actually had a claim denied or run into weird exclusions with their UM policy? Just wondering if there are any gotchas I should watch out for.
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