I get where you’re coming from. It’s easy to think you’ll never be in a bad accident, but all it takes is one distracted driver. I’ve always tried to save money, but after seeing a coworker deal with a lawsuit over damages, I upped my coverage. Sometimes spending a bit more upfront saves you way more down the line.
Honestly, I think you made a smart move. It’s easy to underestimate how quickly costs can spiral after an accident, even if you’re careful. I’ve seen too many stories where people thought “minimum” was enough, then got hit with huge bills. Peace of mind is worth a few extra bucks, in my opinion.
Peace of mind is worth a few extra bucks, in my opinion.
I get where you’re coming from. I’ve got a ’72 Chevelle I only drive on weekends, and even then, I keep the coverage pretty high. Years back, a buddy of mine had just the minimum in Florida—got rear-ended, and the other guy’s insurance barely covered half the repairs. He ended up paying out of pocket for months. It’s wild how fast those bills add up, especially if you care about your car. Sometimes it feels like overkill, but after seeing that mess, I’d rather be safe than sorry.
Yeah, I hear you. Florida’s minimum coverage is like wearing flip-flops in a hailstorm—technically something, but not really helpful when things get rough. My cousin skimped on coverage and got sideswiped. The stress alone wasn’t worth the few bucks he saved.
Honestly, the minimum feels like a gamble. Here’s what I’ve picked up:
- Only covers $10k personal injury and $10k property damage. That’s barely a dent if you hit a new SUV.
- No coverage for your own car if you’re at fault. You’re paying out of pocket.
- If you get sued, you’re on your own after those limits.
I get wanting to save cash, but one accident and you could be paying for years. Not worth the risk, in my opinion.
