But after my wife’s car got hit in a parking lot and there was zero trace of the other driver, I was glad we’d added uninsured motorist coverage a year before.
Had the same mindset until a few years ago. I commute 60+ miles a day, and after seeing a coworker get rear-ended by a guy who just bailed, it hit me how easy it is to end up stuck with the bill. That extra $10 or whatever each month suddenly feels like cheap peace of mind. You don’t really notice it—until you need it.
Honestly, I used to think uninsured motorist coverage was just another upsell—until my neighbor’s car got sideswiped and the guy took off. Made me wonder, how often do hit-and-runs actually get solved? Is it really that rare to catch the other driver?
Yeah, it’s wild how fast people vanish after a fender bender. Honestly, hit-and-runs rarely get solved unless there’s a clear plate or security cam. That “upsell” coverage has saved more than a few of my clients’ wallets... wish it came with a detective, though.
Not gonna lie, I never thought about this stuff until my friend got clipped in a parking lot and the other driver just dipped. No note, nothing. She had to pay out of pocket because her coverage didn’t include uninsured motorist. That’s when I started looking at my own policy and realized how easy it is to get screwed if someone bails. Is it just me or does it feel like insurance companies kind of expect you to figure all this out on your own? Like, why isn’t UM/UIM coverage just standard? I get that it’s an “upsell,” but if it saves people from being stuck with a bill for something that’s not their fault, shouldn’t it be automatic? Maybe that’s naive, but honestly, the more I learn, the more questions I have about what’s actually covered...
It’s wild how many people don’t realize until it happens to them or someone close. I totally agree—insurance companies bury the important stuff in fine print and then act like it’s your fault if you miss something. UM/UIM should be standard, or at least way more obvious when you’re signing up. It’s not like hit-and-runs are rare these days. I learned the hard way years ago after a similar situation, and now I always double-check my coverage. It shouldn’t be this complicated, but here we are...
