Endless bills!

With the latest car shuffle, we are reevaluating our insurance policy. My agent is recommending (I mean, it IS their job) that I get UIM coverage on the Lexus, as it is allegedly worth something. And they are correct that I live in Everett, where the odds of getting hit by someone without insurance is indeed higher than I want to acknowledge.

It is illegal to not have insurance in WA, but that doesn’t stop a lot of people.

On the other hand, the car is only worth $7-to-9k, not $35k. And if I experience bodily harm, I have health insurance. I also only drive 2,500 miles a year combined in my personal vehicles.

I don’t know, what do you y’all think? Am I crazy for not having UIM right now?