I get where you’re coming from.
That’s exactly it. I hate shelling out for coverage because someone else can’t be bothered, but after seeing a neighbor’s minivan totaled by an uninsured driver, I’m not taking chances. Rental coverage is a waste for a garage queen though—totally agree there. If your Chevelle’s not your daily, why pay extra for something you’ll never use?“Annoying to pay for other people’s screw-ups, but I’d rather be annoyed than broke.”
Yeah, I get the frustration—paying for other people’s mistakes just feels wrong. But honestly, after seeing how fast things can go sideways on the road, I’d rather have that safety net. I do think some of these add-ons are just money grabs though. Like, if your car barely leaves the garage, why bother with rental coverage? Just doesn’t make sense.
I totally get where you’re coming from about the add-ons. Some of them really do feel like overkill, especially if your car’s just sitting in the driveway most days. But with uninsured motorist coverage, I’m actually glad Nebraska makes it mandatory. My cousin got rear-ended by someone with no insurance, and it was a nightmare—months of back and forth, and she still ended up paying out of pocket. I’d rather pay a bit more upfront than risk that kind of headache. Rental coverage though? Yeah, I skip that too.
I get the logic behind making uninsured motorist coverage mandatory, but I do wonder how many people actually use it versus just paying for years without a claim. Anyone here ever had to file on a classic or collector car? Curious if it’s handled differently.
Never had to file a claim on my collector, but I’ve always wondered about the process too. With the amount of money tied up in these cars, it feels risky not to have every angle covered. Does anyone know if agreed value policies handle uninsured claims differently? I’d hate to find out the hard way...