I totally get that. I was shocked when I first looked at what my state considered “enough” coverage—it just seemed way too low for anything serious. My cousin had a similar thing happen; she thought she was good until a fender bender turned into months of PT and bills. I ended up adding uninsured motorist coverage, even though it bumped my rate a bit. Honestly, the peace of mind feels worth it, especially after hearing stories like yours.
I get where you’re coming from, but honestly, I’ve never been a fan of stacking on extra coverage unless it’s really necessary. With classic cars, I just keep a solid agreed value policy and focus on keeping the car safe—garaged, covered, all that. Uninsured motorist is nice, but sometimes those add-ons feel like overkill if you’re already careful and not daily driving. Guess it depends on how much you’re out there on the road.
I get wanting to keep costs down—same here. I used to skip uninsured motorist too, but after my neighbor got rear-ended by someone with no coverage, the repair bill was all on him. Now I just weigh the risk vs. savings every renewal. Sometimes peace of mind is worth a few extra bucks, even if the car’s mostly in the garage.
Sometimes peace of mind is worth a few extra bucks, even if the car’s mostly in the garage.
Totally get this. I’m on the road every day, and honestly, uninsured motorist coverage has saved me twice. Both times, hit by drivers with no insurance or expired policies—frustrating, but at least I wasn’t stuck with the whole bill. The extra cost isn’t huge compared to what repairs can run these days. Even for folks who don’t drive much, it’s just one less thing to stress about.
- That’s wild—didn’t realize how common it is to get hit by someone without insurance.
- I’m just starting to shop for my first policy, and honestly, all these add-ons are kind of overwhelming.
- Is uninsured motorist coverage always worth it if you barely drive? Like, if your car sits in the driveway most weeks, does it still make sense?
- Also, do they ever actually pay out easily, or is it a hassle with paperwork and delays? Just trying to figure out what’s actually practical vs. just “peace of mind” stuff...