Not only have I not been involved in an accident since 1988, but I have not had a ticket in over 25 years, and am 72! I now pay for the Uninsured/Under insured Motorists coverage and went to a personal injury attorney. After being transported to the hospital and X-Rayed, CT-Scanned, and being released I went to my physician who said I had a mild concussion and other stuff. My chiropractor has worked to realign my old bones, and I have lost my income because of the known medical problems according the Aero-medical regulations, in other words I cannot fly until I am cleared. Now my PIA has told me he wants me to go to a neurologist. This back and forth BS due to someone else's fault, who obviously was at fault, and admitted it is getting old very quickly as GEICO, his coverage, appears to want to wash their hands of all responsibility. I have been told the three worst Insurance companies to work with are Geico, Progressive, and The General. I have AAA. Why am I talking about this on this forum, well we are all proud Mustang owner/drivers and stuff does happen, so be ready for denial when you thought you were covered.You didn’t forget anything. You were conned...
How does a rider for uninsured or low policy drivers become reality in his day and age? Where I live that’s now illegal and everyone has to have millions of coverage. The reason it’s an optional rider where you live is to screw you out of money when you get into an accident.
Guess what? That is exactly what happened!
Buying insurance should not be like making a deal with the devil - but there you go... You should not need a legal team to get you covered. If you are accident free, I suggest you get a policy with accident forgiveness. The plain language they use in commercials can be leveraged in questionable accidents to your benefit as they would rather just pay you and get rid of you than have a court make a judgement that gets some press.
Make what you want out of that!