Always... This can protect you even if the other party DOES have insurance, though get ready to sue your own insurance company. 

I ended up buying a Sienna Platinum for exactly this reason - Our 2014 got totaled by a drunk while we were stopped at a red light. The 5k mile “dealer demo” bought as new was the best overall option, but NOT what we really wanted...

100% true for almost any kind of insurance - If you need to make any significant claim the first call should be your lawyer. 

Damn it, now I need to track down a running version...

Very interesting - we just ended up with a Prius Magnum XL (Sienna) and I want to keep the car way past the battery warranty, this helps me feel better about that. 

I just recently spent more than I could have ever imagined on a new Toyota Prius Magnum XL Sienna. Amazing family car, getting 37mpg on the current tank with AWD. It’s already a minivan so I already don’t care what it looks like... 

“I am deeply suspicious of the “they’re all trying to kill me/you” rhetoric espoused by so many riders.” - They are not, it’s just easier to pretend that to help keep yourself aware and safe. I have put on 100s of thousands of safe miles, and then was taken out by a 22 year old who blew a red light right in front of…

It’s also shorter and smaller in the back than the previous generation (our 2014 got totaled by a drunk driver at a red light, so now we have a 2022). Given the car seats live in the 2nd row I don’t really care about removing them... I have a trailer if I need to move really big stuff. And there are some other…

Sienna is the correct answer for a family, they are built for exactly this. 

LOL, trying to be nice... I finally work at a place that really appreciates those things, we have at a minimum full exercises every quarter. You would appreciate it :)

I work in tech. MAYBE 10-15% of companies ever really test their backups...

Completely insane. Our faithful minivan was totaled by a drunk driver, I just bought a new one... Sticker was $56k. Unbelievable, would have been totally unthinkable to me just a few years ago. Yes it’s top trim (not our intention) but even the base trim with just a few features (like AWD, I live in the frozen north)…

Missed the edit - Fuck the ‘thin blue line’ that’s the bad apples spoiling the bunch, makes them all guilty, guess that’s maybe what you mean...

That really sucks :(

That’s what I was trying to say, that many of the reasons my experience WAS good was because the system IS rigged (I’m white, male, cisgender with blond blue eyed kids). I try to always see my privilege and support real justice... We need police, I needed them that night, but NOT like what we have. Every American must …

VERY important. Police MUST be held to the highest of standards. 

I make no other estimates than its more than 1% bad and more than 1% good... 

Two weeks ago I was rear-ended by a drunk at a stoplight with my entire family in the car. I could tell he was wasted, he blew a .25 at the scene and left in handcuffs. The police were nothing but professional and helpful.

How do you spend that much (just guessing it was not cheap) on a car and not replace 6 y/o tires?? smh. 

No.