Rear-ended by fat kid in a Civic

JARblue

File under uninsured motorist coverage. As I told someone else this morning, if you do not have uninsured motorist coverage in Texas, you should add it like yesterday! It should not cost you a deductible, and it should not affect your rates. It will affect the resale of the vehicle so ask for some extra $$ for diminished value if you want.

I've been hit at least 4 times by someone with no license and no insurance. My rates have never been affected.

Btw, Texas is a one party consent state, which means as long as you are part of the conversation, you are permitted to record it without anyone else's consent. I set my phone to video as soon as an accident occurs - I walk around a look like I'm taking photos, but it's also recording audio. Try and get them to admit fault and apologize while you're recording. I actually put someone without insurance on the phone with my insurance company and had them admit fault while we were still at the scene of the accident (what an idiot lol).

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