Honestly, the whole “comprehensive vs. collision” thing trips up so many people. I’ve had folks swear their deer hit would be covered under collision, and vice versa—it’s like a weird insurance riddle. Uninsured motorist is a tricky one too, especially in SD where, let’s face it, not everyone’s following the rules. Ever had a close call with someone who clearly shouldn’t be behind the wheel? Sometimes I think those odds are higher than we want to admit... Curious if you’ve ever actually needed to use uninsured coverage, or just debating it on principle?
Comprehensive vs. collision is one of those things that sounds straightforward until you actually need to file a claim. I’ve had to explain it to friends more times than I can count—if a deer jumps out and you hit it, that’s comprehensive, not collision. But if you swerve to miss the deer and hit a tree, then it’s collision. Makes perfect sense, right? (Insert eye roll.)
Uninsured motorist coverage is a whole other headache. I drive a lot for work—commuting between Sioux Falls and smaller towns—and honestly, there are days when I feel like half the people on the road either don’t have insurance or just shouldn’t be driving at all. Had a guy blow through a stop sign last winter and nearly T-bone me. He looked about as surprised as I was, but when we pulled over, he admitted he didn’t have insurance. Luckily, no real damage that time, but it made me double-check my own policy.
I’ve never actually had to use my uninsured motorist coverage (knock on wood), but I wouldn’t dream of dropping it. The odds just aren’t in our favor around here, especially with how many folks seem to think minimum coverage is optional. It’s one of those things you hope you never need, but if you do, you’ll be glad it’s there.
Honestly, the way insurance companies split hairs over what’s covered under which part of your policy feels like they’re just waiting for you to mess up so they can deny your claim. I get why people are confused—it’s almost like they want us to be.
Anyway, if anyone figures out how to make sense of all this without needing a law degree, let me know... Until then, I’ll keep paying for every bit of coverage I can afford and hoping for the best.
- Totally get where you’re coming from. I’ve had my fair share of “wait, which coverage is this again?” moments, especially after a couple fender benders and one run-in with a mailbox (don’t ask).
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Couldn’t agree more. It’s like they’ve got a whole playbook for making things confusing.“Honestly, the way insurance companies split hairs over what’s covered under which part of your policy feels like they’re just waiting for you to mess up so they can deny your claim.”
- I’ve been labeled high-risk for a while now (too many speeding tickets, sigh), so I pay out the nose for coverage. Still, I’d rather be over-insured than stuck with a giant bill because someone else didn’t bother to get insurance.
- Uninsured motorist is one of those things you hope you never need, but man, it’s a lifesaver if you do. I had a buddy who got rear-ended by someone with no insurance—took months to sort out, but at least he wasn’t left hanging.
- The deer thing cracks me up every time. Like, who decided that hitting an animal is “comprehensive” but hitting a tree is “collision”? Makes zero sense, but whatever keeps us covered, right?
- You’re not alone in feeling lost with all this. Just keep double-checking your policy and don’t feel bad about paying for extra coverage. Peace of mind is worth it, especially around here where you never know what’ll happen on the road.
It’s honestly wild how the rules work—like, you’d think “collision” would just mean hitting anything, but nope, deer are their own category. I’ve had my share of policy headaches too, especially on road trips where you never know what’s going to jump out at you (literally). Don’t blame you for wanting extra coverage. Around here, peace of mind is worth shelling out a little more, even if the system makes zero sense half the time.
you’d think “collision” would just mean hitting anything, but nope, deer are their own category.
Drives me nuts too. I’ve got a ‘68 Charger and the hoops I jump through to get the right coverage are unreal. In SD, “comprehensive” is what covers deer—collision won’t touch it. It’s not just a money grab, but it sure feels like one sometimes. If you’re driving classics or anything you care about, I’d say comprehensive is a must. The peace of mind is worth more than the logic behind these rules, trust me.
