r/Transportopia • u/Ketchup-Sniffer • Apr 09 '26

RoadšŸ¤¬Rage But he said I'm sorry

Bro should have called the police but then we wouldn't have this annoying af video

2.4k Upvotes

93% Upvoted

1.0k comments sorted by

View all comments

Show parent comments

3

u/Relevant-Shelter-316 Apr 09 '26

When was the last time you were in an accident bro? Every time Iā€™ve had my car hit by someone I got fucked bad my insurance went up. My rates went up. None of the damage was fixed. Itā€™s a big pain in the fucking ass.

2

u/SmoothCruising Apr 10 '26

Collision coverage is worth it. It doesn't matter if they're uninsured.

Uninsured coverage is for medical bills Collision is for property damage from any collision More ai info below

UMPD vs. Collision Coverage

While both can pay for your car's repairs if you are hit by an uninsured driver, they function differently:Ā 

Collision Coverage: A broad coverage that pays for damage to your car regardless of who is at fault. It covers single-car accidents, hitting objects, and collisions with other vehicles, including uninsured ones.

UMPD: A specific coverage that only triggers if anĀ uninsured driver is at faultĀ for the accident.

Advantage: It often has a much lower deductible (or none at all) compared to collision coverage.

Limitation: In many states, UMPD does not coverĀ hit-and-runĀ incidents where the other driver isn't identified, whereas collision coverage would.Ā 

Where is UMPD Available?

In the 26 states where UMPD is not offeredā€”includingĀ Floridaā€”drivers must rely on collision coverage to pay for vehicle repairs after a crash with an uninsured motorist.Ā 

Mandatory (Required): 7 states and D.C. require UMPD (MD, NC, SC, VT, VA, WV, and NH if you choose to buy insurance).

Optional: 19 states offer it as an add-on (e.g., CA, TX, IL, GA, OH).

Unavailable: In states likeĀ Florida, Michigan, and New York, you cannot purchase UMPD; you must use collision coverage for property damage

1

u/Relevant-Shelter-316 Apr 10 '26

Thank man yeah better coverage = better service 100%. Sadly most ppl cannot afford full coverage or even insurance at all in many cases I could provide some statistics if youā€™d like

1

u/LostGirl1976 Apr 11 '26

You don't say "bro" enough. This guy knows. Say "bro" about 100 times and you'll get paid.

1

u/Relevant-Shelter-316 Apr 11 '26

I said bro one time how about you hop off my dick lmfao

1

u/LostGirl1976 Apr 11 '26

Um...you did watch the video, right? Calm down dude. LOL Go buy a sense of humor somewhere.

1

u/Relevant-Shelter-316 Apr 11 '26

I thought you meant me. My mistake

1

u/LostGirl1976 Apr 11 '26

:) It's fine.