Dashcams are definitely underrated—I didn't realize how helpful they could be until a friend of mine had a minor accident last year. The other driver was uninsured, and things got messy pretty fast. Luckily, my friend had uninsured motorist coverage, and it did cover the property damage to her car, not just medical expenses. She was pretty relieved about that because repairs weren't exactly cheap.
Insurance policies can vary quite a bit though, so checking yours tonight is a smart move. I remember feeling surprised when I first learned about the specifics in mine... it's easy to overlook the details until you actually need them. Good on you for double-checking now rather than later. Hope everything checks out okay!
Dashcams really can save you headaches later on—I learned that the hard way a couple years ago. Got rear-ended at a stoplight, nothing major but enough to need repair. Turns out the other driver had zero insurance, and at first tried shifting blame onto me (unbelievable...). Anyway, I didn't have a dashcam then, but thankfully the intersection had a traffic camera—otherwise things might've gotten ugly fast.
Afterwards, I started digging into my policy details more carefully. Turns out, my uninsured motorist coverage didn't automatically cover property damage, only medical costs. Had to specifically opt-in for property coverage separately, which I hadn't realized. It's kind of tricky how insurers structure these options sometimes—easy to miss unless you're paying close attention.
Definitely worth double-checking your own policy details ASAP. And honestly, investing in a decent dashcam isn't a bad idea either... lesson learned for me at least.
Totally agree, dashcams are a lifesaver. Another thing to consider is collision deductibles—mine was higher than I realized, so even with uninsured coverage, I still paid more out-of-pocket than expected. Worth double-checking that too... insurance fine print can be sneaky.
Dashcams definitely saved me a couple times, especially since I'm considered high-risk (long story, don't ask lol). But yeah, insurance fine print is brutal. I found out the hard way that uninsured motorist coverage didn't cover everything I thought it would—ended up paying more than expected too. Has anyone looked into gap insurance? Wondering if that's worth it or just another sneaky upsell...
"Has anyone looked into gap insurance? Wondering if that's worth it or just another sneaky upsell..."
Gap insurance isn't necessarily a sneaky upsell, but its value really depends on your specific situation. If you're financing or leasing a high-end vehicle, especially one that depreciates quickly (looking at you, luxury sedans...), gap coverage can genuinely save you from a nasty surprise if your car gets totaled. I learned this the hard way after my previous car was rear-ended and declared a total loss. The regular insurance payout didn't even come close to covering what I still owed on the loan—ended up paying thousands out of pocket. Since then, I've always opted for gap insurance.
That said, if you've paid off most of your loan or bought your car outright, gap coverage probably isn't worth the extra cost. It's definitely not a one-size-fits-all solution, so I'd recommend crunching the numbers based on your own financial situation before deciding.
