The main risk isn’t always the uninsured driver, but the fact that so many drivers are underinsured, period.
That’s exactly it. Even with UM/UIM, you can still end up paying out of pocket if someone else’s coverage is bare minimum. Here’s how I look at it: 1) Check what your own policy actually covers—sometimes the “extras” are just fluff, but sometimes they’re legit useful. 2) Compare the cost of higher liability vs. more UM/UIM. 3) Don’t assume claims will be quick—like you said, red tape is real. I’d rather pay a bit more up front than get stuck later, but it’s a balancing act for sure.
I get where you’re coming from, but I’m not totally convinced paying for higher liability is always the best move. I mean, as a newer driver, my budget’s tight and those “extras” add up fast. I’d rather focus on what’s legally required and maybe bump up UM/UIM a bit if I can swing it. Honestly, I’ve heard stories where people pay for all the bells and whistles and still get stuck in paperwork limbo... makes me wonder if it’s worth it sometimes.
Yeah, I get that—it’s tough balancing what’s required with what feels “safe enough” when you’re just starting out. I remember stressing over every line item on my policy and thinking, is this even worth it? But honestly, having at least some cushion with UM/UIM can be a lifesaver. The paperwork can be a pain either way, but I’d rather have a little extra coverage than be caught off guard. Still, totally get wanting to keep costs down… it’s a tricky balance.
Funny thing, I’ve actually seen a few folks regret skipping UM/UIM when they thought they were saving a buck. One guy I worked with had a fender bender with someone who bolted, and he was stuck footing the bill. It made me wonder—do you think most people even realize how often uninsured drivers are out there? Or is it just one of those “it won’t happen to me” things until it does?
Yeah, I totally get where you're coming from. When I started looking at coverage, I was surprised how many drivers are actually uninsured—way more than I thought. It’s easy to think “that won’t happen to me,” but honestly, the stats are kinda eye-opening. Definitely feels less like a waste of money now.
