I get why Nebraska wants to protect people, but honestly, I wish there was more flexibility.
That’s true, but for folks who drive older cars or barely use their vehicles, it feels like overkill to force everyone into the same box. Plus, insurance companies love to hike rates for any reason... even when you’re not at fault. It’s like you’re punished just for being unlucky. Maybe there should be more options instead of blanket requirements.If you get hit and they take off or don’t have insurance, you’re stuck unless you’ve got that coverage.
I get what you mean about it feeling like overkill, especially for folks with beaters or who barely drive. But I’ve seen people get burned after a hit-and-run, and suddenly that “extra” coverage is a lifesaver. Do you think there’s a fair way to let low-mileage drivers opt out without making claims messier for everyone else?
Do you think there’s a fair way to let low-mileage drivers opt out without making claims messier for everyone else?
That’s a tricky one. I get the frustration, especially if you barely put miles on your car, but from what I’ve seen, accidents can happen even on that “one quick trip.” Years ago, my neighbor’s car got sideswiped while parked—never found the driver. If she hadn’t had that coverage, it would’ve been a nightmare. Maybe some kind of mileage-based pricing could work, but I wonder if people would game the system or if it’d just add more paperwork headaches.
Honestly, I’m with you—stuff happens even if you barely drive. My cousin only uses her car on weekends, and last year someone rear-ended her at a stoplight. Didn’t matter that she’d only put 300 miles on in months. I get why people want to pay less, but the risk is always there, no matter how little you drive. Mileage-based pricing sounds nice in theory, but I bet it’d turn into a paperwork nightmare or people would just fudge the numbers.
Mileage-based pricing sounds nice in theory, but I bet it’d turn into a paperwork nightmare or people would just fudge the numbers.
That’s exactly what I was thinking. My neighbor tried one of those “pay per mile” things and spent half his time snapping odometer pics for their app. Plus, you can drive 10 miles and still get T-boned by someone running a red light—risk doesn’t really clock out when your car does.