“The stuff they pack into cars now means even small accidents get expensive fast.”
That’s exactly it. Even a “minor” scrape can trigger a chain of repairs—paint, sensors, recalibration... it adds up. Makes me wonder if the state minimums even come close to covering a modern car’s repair bill. Have you looked at what uninsured motorist coverage actually pays out these days? Feels like the tech is outpacing the insurance limits.
it adds up.
I get where you're coming from, but I think it's a little more nuanced. Yeah, new tech in cars drives up repair costs, but the state minimums are set to cover the basics, not every possible scenario. Sometimes, “minor” scrapes don’t cost as much as we fear—depends on the make and model, really. I’ve had a few incidents where the bill was surprisingly reasonable, even with sensors involved. Maybe insurance limits need updating, but I’m not convinced every accident is a financial disaster waiting to happen.
Maybe insurance limits need updating, but I’m not convinced every accident is a financial disaster waiting to happen.
That’s a fair point. I’ve seen some repairs come in under what I expected, too. It’s easy to get caught up in worst-case scenarios, but not every fender bender wipes out your savings. Still, with how fast tech changes, it’s smart to keep an eye on those minimums.
I get where you’re coming from, but have you seen what it costs to fix even a minor scrape on something like a Tesla or a BMW lately? My last bumper repair was almost double what I thought it’d be, just because of sensors and paint matching. Makes me wonder if the old minimums really keep up with how complicated cars are now. What happens if you hit a newer luxury car or an EV?
Makes me wonder if the old minimums really keep up with how complicated cars are now. What happens if you hit a newer luxury car or an EV?
Honestly, that's a legit concern. The tech packed into newer cars—especially EVs—means even a small fender bender can run up a bill way past the state minimums. If your coverage doesn't stretch that far, you're on the hook for the rest. Ever seen what it costs to replace a Tesla taillight? It's wild. Minimums might've made sense years ago, but now... not so sure they cut it anymore.
