“minimum” really means “barely anything.”
Man, that’s the truth. I once tapped a BMW in a parking lot—just a little paint swap, or so I thought. Next thing I know, the repair estimate looked like a phone number. Did they paint it with gold flakes? Makes you wonder if “minimum” is just code for “good luck.”
Makes you wonder if “minimum” is just code for “good luck.”
That’s exactly why I always double-check my coverage. Even a “little paint swap” can turn into a nightmare bill, especially with luxury cars. I try to think through the steps—like, what if it’s not just a scratch but a fender or sensor? Ever had to actually use your insurance for something bigger? Curious how that played out compared to the minimum coverage.
Had a client with minimum coverage rear-end a Tesla last year. Sensors, cameras, paint, all added up to way more than insurance would pay. He had to cover the rest out of pocket—wasn’t pretty. Minimum’s really just the legal floor, not actual protection if things get messy. I always tell people: run the numbers for your area and car types... it’s eye-opening.
Yeah, I’ve seen this happen too—people think “minimum” means “enough,” but it’s really just the bare bones. Ever looked at what a bumper costs on a newer car? It’s wild. I get why folks want to save money, but is it really worth the risk of wiping out your savings over one accident? Makes me wonder how many people actually check what their policy covers versus what stuff actually costs these days.
