I learned this the hard way after a fender bender last year—turns out, tons of people drive around without insurance here in California. My buddy told me to double-check my policy and make sure I had coverage for accidents involving uninsured drivers. Glad I listened, cause it saved me from a huge headache (and wallet-ache, lol). Curious if anyone else has tips or hacks for dealing with uninsured drivers...
Yeah, uninsured driver coverage is a must-have around here. I also keep a dashcam running—figured it's worth the peace of mind if things get messy. Anyone else using dashcams, or is that overkill?
Dashcam's definitely not overkill—seen plenty of claims where footage cleared things up quick. Just stick to a basic model, no need for fancy bells and whistles. Peace of mind without breaking the bank...sounds smart to me.
Dashcams are handy, sure, but honestly, footage won’t help much if the other driver’s uninsured and broke. Had a buddy who got rear-ended by someone with zero insurance... dashcam showed clear as day who was at fault, but he still ended up out of pocket because the other guy had nothing to his name. In situations like that, you're better off making sure your own coverage (uninsured motorist protection) is solid rather than relying on video alone.
Not knocking dashcams completely—just saying they're part of the solution, not the whole deal. I'd put money toward better insurance coverage first, then maybe grab a cheap cam if there's cash leftover. Peace of mind comes from knowing you won’t be left hanging financially, footage or no footage.
Good point about dashcams... hadn't really thought about that angle. Wondering now if uninsured motorist coverage typically covers property damage too, or just medical stuff? Gonna check my policy again tonight.
