Yeah, I get where you’re coming from. I used to think the same thing—like, why am I paying for someone else’s mistake? But then my cousin got sideswiped by a guy with no insurance and it turned into a nightmare. The hassle and cost just to get her car fixed was wild. I still think it’s annoying that it’s not optional, but after seeing how fast things can go sideways, I’m a little less mad about the extra charge. Still feels like a racket sometimes, though.
Yeah, I totally get the “racket” feeling. It’s wild how you can be the most careful driver out there and still end up footing the bill for someone else’s mess. I’ve seen people get burned pretty bad when the other driver just disappears or flat-out doesn’t have insurance. The system isn’t perfect, but honestly, uninsured motorist coverage has saved a lot of folks from getting stuck with massive repair bills or medical costs.
I do wish there was a way to make it feel less like a forced add-on, though. Sometimes it feels like you’re paying for every possible “what if” scenario, and that adds up fast. But after seeing a few claims go sideways—like your cousin’s situation—I’d rather grumble about the extra charge than be left hanging. Still, I can’t help but wonder if there’s a better way to handle it... maybe more accountability for people driving without insurance in the first place? Feels like we’re all just picking up their slack.
I hear you about the frustration, but here’s where I get stuck—how do you actually enforce insurance requirements for everyone? Even with stricter penalties, there are always folks who’ll risk it or just can’t afford coverage. I’ve seen cases where people lost their license and still drove anyway. It’s not fair, but I’m not sure there’s a realistic way to make uninsured drivers fully accountable. The coverage feels like a pain, but it’s kind of the only safety net we’ve got right now... unless someone’s got a better idea?
Honestly, I get where you’re coming from. I’ve been in that “high-risk” category (yeah, my insurance bill is a horror story), and even with all the rules, some folks just roll the dice. The only thing that ever made me actually keep up with coverage was when my car got towed for expired tags—talk about a wake-up call. If you want people to comply, maybe make it easier to get basic coverage or offer payment plans? Penalties just make people sneakier, in my experience.
