I totally get your point about peace of mind. I used to think uninsured motorist coverage was just another way for insurance companies to squeeze more...

That’s the part that frustrates me most, honestly. You do everything right, drive safely, and still end up paying more just because of where you live....

I’ve run into similar headaches, and honestly, I lean toward your approach too. Permissive use sounds simple, but the fine print is a minefield—especi...