I’ve seen the same thing with those pay-per-mile setups—people get so focused on tracking miles that they forget accidents can happen anytime, anywhere. I’ve handled claims for folks who barely drive but still end up with major losses because someone else made a bad call. Mileage is just one piece of the puzzle... real risk doesn’t care how far you go. That’s why I actually get why Nebraska wants everyone to have uninsured motorist coverage. You can do everything “right” and still get blindsided.
Honestly, you nailed it—risk doesn’t care if you’re just running out for coffee or road-tripping across the state. My car barely leaves the garage and I still worry about someone texting through a stop sign. Nebraska’s rule makes more sense the more I think about it... peace of mind is worth a lot, especially when your ride costs more than your house.
I get where you’re coming from—sometimes I wonder if the cost is justified when my car barely leaves the driveway. But last year, a neighbor’s parked car got sideswiped by someone who didn’t even stop. They never found the driver, and insurance was the only thing that saved them from a huge bill. It made me rethink how “safe” I really am just staying local. Nebraska’s rule feels less like overkill and more like a safety net after seeing that play out.
