Have you checked into raising liability limits just a bit above minimum? I bumped mine up slightly after my coworker had a similar nightmare scenario...cost me maybe $10 extra per month, but peace of mind was worth it.
I did something similar a while back—upped my liability limits after hearing about a friend's fender-bender fiasco. Honestly, it's like carrying an umbrella...you hope you won't need it, but you're glad it's there when things get messy.
Haha, that's a perfect analogy—insurance really is the umbrella of driving. I bumped mine up too after a coworker's minor scrape turned into a wallet-draining saga. Better safe than sorry, right? Glad you sorted yours out and saved some cash along the way.
That's a smart move—minimum coverage might seem appealing at first, but it can bite you later if something happens. I've seen plenty of claims that started as minor fender-benders escalate into surprisingly expensive headaches. One client recently rear-ended someone at a stoplight—looked like just a cracked bumper at first glance, but it turned out the sensors behind it were toast. Suddenly, a minor tap became a four-figure repair bill. Ouch.
Finding that sweet spot between affordability and adequate coverage is key. Glad you took the time to figure it out and saved yourself some cash in the process. Always feels good knowing you're protected without breaking the bank.
"Suddenly, a minor tap became a four-figure repair bill. Ouch."
Yeah, sensors and tech upgrades have really changed the game. Had a similar case recently—a client backed into a parked car, barely a scratch visible. Turns out the other car had an advanced camera system hidden behind the bumper... ended up costing way more than expected. Minimum coverage might save you a bit upfront, but it's always good to factor in these hidden tech surprises nowadays. Glad you found a solid balance between cost and coverage.
