I’ve got an old truck that’s basically a garage queen, and I’ve wondered if UM is worth it when it barely sees daylight.
Right there with you—my “weekend warrior” car spends more time under a cover than on the road. But here’s the kicker:
- Used agreed value once after a fender bender (not my fault, of course). Process was actually smoother than I expected—no haggling over what my ride was “worth.”
- UM felt like a waste until my neighbor’s classic Mustang got sideswiped by a ghost driver. Insurance paid out, no drama.
- Still feels like paying for an umbrella in the desert... until you need it.
Guess it’s one of those things you grumble about until it saves your bacon.
Honestly, I get why it feels pointless when your truck barely leaves the garage. But weird stuff happens—my cousin’s car got nailed in a parking lot during a “quick” grocery run. UM felt like overkill until then. It’s annoying... but sometimes it’s the only thing standing between you and a big headache.
Had a similar thing happen on a road trip a couple years back—parked at a rest stop, came out to a fresh dent and zero note. At first, I thought, “Well, that’s what insurance is for,” but then realized the other driver was long gone and probably uninsured. UM coverage kicked in and saved me a ton of hassle. I get the frustration with paying for something you might never use, but it’s wild how quickly things can go sideways. Has anyone actually had to fight their insurance over a UM claim? Curious if it’s always as smooth as they say...
UM coverage really is one of those things people grumble about until the day they need it. I’ve seen claims go both ways—sometimes it’s seamless, sometimes there’s a ton of back-and-forth over what counts as an “uninsured” incident or how much damage gets covered. Did your insurer ask for any proof or police report, or was it just a quick payout? I always tell folks to document everything, but not everyone realizes how picky some companies can get.
I had a fender bender where the other driver just bolted, and my insurer wouldn’t even look at my claim without a police report. Took forever, and I had to chase down security cam footage myself. Has anyone actually gotten UM coverage to pay out without that kind of hassle?
