Agreement. My wife was in a crash with an uninsured (and, as it turns out, unlicensed and with outstanding warrants) driver. Everyone was uninjured, thankfully. Our car was a total loss.
The only monetary payout we got was our uninsured motorist coverage. (Seeing the lady who hit her get arrested at the scene and taken to jail was nice. Our insurance company pursuing her in court was also nice, too, though having not been thru the experience before we were taken aback when my wife unexpectedly received a summons to testify.)
I max'ed out our uninsured driver coverage after that.
A decade ago, I was "judgment proof" after a decade of drug dealing and general degeneracy... the person I was then allowed me to be the phenomenal asshole we are all capable of channeling: fuck you, I got nothing! "Blood from a stone."
Life is so much simpler, yet more satisfying, now that I've lived long enough to secure away a few assets. God willing, we'll all live long enough to not be the pieces of shit our youth/ignorance once allowed.
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I read the other day that 20% of male Millenials are currently uninsured.
The only monetary payout we got was our uninsured motorist coverage. (Seeing the lady who hit her get arrested at the scene and taken to jail was nice. Our insurance company pursuing her in court was also nice, too, though having not been thru the experience before we were taken aback when my wife unexpectedly received a summons to testify.)
I max'ed out our uninsured driver coverage after that.