I get your point, but honestly, as someone who's had a few too many speeding tickets and fender benders, temp insurance saved my butt more than once. Yeah, coverage isn't perfect, but when you're stuck between policies or just need to keep legal for a month or two, it's better than nothing. Had a buddy who went without coverage for a weekend—guess what? Fender bender on Saturday afternoon. Cost him way more than temp insurance would've. Sometimes the gamble pays off...sometimes it doesn't.
Gotta admit, temp insurance saved my road-tripping butt once too. Was borrowing my cousin's camper van for a weekend getaway—figured, "eh, what could happen?" Got temp coverage last minute just to be safe. Good thing I did, because a deer decided to photobomb our trip at 2 AM. Talk about timing... Anyone else had wildlife encounters that made you rethink your insurance choices?
"Good thing I did, because a deer decided to photobomb our trip at 2 AM."
Haha, classic deer move. Reminds me of the time I was driving back from a friend's cabin late at night—pitch black, middle of nowhere—and suddenly this raccoon darts out. Swerved just enough to miss him but ended up clipping a mailbox instead. Temporary insurance wasn't even on my radar back then, but after paying out-of-pocket for repairs (and apologizing profusely to the mailbox owner), it's definitely something I recommend now...lesson learned the hard way.
Totally agree—wildlife encounters at night are no joke. Temporary coverage can be a lifesaver, especially if you're borrowing or renting a vehicle for a short trip. A lot of people overlook that their regular policy might not fully cover rentals or borrowed cars. Plus, even minor incidents like mailbox run-ins can rack up surprising repair costs...better safe than sorry, right? Glad your raccoon friend made it out okay though.
Temporary coverage is definitely underrated—I can't tell you how many times I've seen folks assume they're fully covered, only to find out later their regular policy has gaps when it comes to rentals or borrowed vehicles. Wildlife incidents are a classic example, but even simpler stuff like parking lot scrapes or windshield chips can turn into unexpected headaches. A buddy of mine borrowed his brother's SUV for a weekend camping trip last year, thought he was good to go, and ended up with a cracked windshield from gravel on a dirt road. His regular policy didn't cover borrowed vehicles, so he had to pay out of pocket...ouch.
But I'll admit, temporary coverage isn't always necessary. If you're renting frequently, sometimes a credit card benefit or rental company's own coverage can be enough. Do you guys usually check your existing policies before renting or borrowing, or just wing it and hope for the best?
