Had a pretty close call last month. Was driving home from work, minding my own business, when some guy ran a red and slammed right into my passenger side. Thankfully, no one was hurt badly, just shaken up and sore for a few days. But here's the kicker—the other driver had zero insurance. Nada. Zip.
Honestly, I never really thought much about uninsured motorist coverage before this happened. Just seemed like another annoying add-on to my policy, you know? But man, am I glad I didn't skip it. My insurance stepped in and covered everything—repairs, rental car, even medical checkups afterward. Saved me from a huge headache and probably thousands of dollars out of pocket.
Made me realize how easily things could've gone south if I'd opted out of that coverage to save a few bucks each month. Curious if anyone else has had something similar happen or maybe dodged a bullet because of coverage they almost didn't get?
