When The Other Driver Disappears: Uninsured Motorist Coverage In Action

My glovebox is basically a filing cabinet at this point.

If I had a dollar for every time I’ve told a client to “document everything,” I’d have enough to buy OEM parts for my own car. Honestly, you nailed it—insurers will absolutely try to sneak in aftermarket unless you’re waving receipts like a flag. They’re banking on folks getting tired or confused by the process.

I’ve seen maybe one case where an insurer proactively offered OEM, and it was on a nearly new Lexus with a very, very vocal owner. For anything 10+ years old? You’re fighting uphill, paperwork in hand. It’s not paranoia—it’s survival.