Is there any reason to get uninsured motorist bodily injury insurance? | Page 3 | TigerDroppings.com
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TulaneUVA
Virginia Fan
Member since Jun 2005
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re: Is there any reason to get uninsured motorist bodily injury insurance?

I would go on disability at my job. Would not lose it. Work for big oil


TH03
Notre Dame Fan
Member since Dec 2008
103087 posts

re: Is there any reason to get uninsured motorist bodily injury insurance?


TulaneUVA
Virginia Fan
Member since Jun 2005
21279 posts
Online

re: Is there any reason to get uninsured motorist bodily injury insurance?
That's right. Be jelly


OTIS2
LSU Fan
NoLA
Member since Jul 2008
30124 posts

re: Is there any reason to get uninsured motorist bodily injury insurance?
So your disability check would be equal to you salary? Will it pay your out of pocket medical expenses...copays and deductible ? Should you lose bodily function to some degree, your disability benefit going to compensate you for that?
This post was edited on 12/3 at 11:04 pm


CaptainsWafer
USA Fan
Bone it like you own it.
Member since Feb 2006
42689 posts

re: Is there any reason to get uninsured motorist bodily injury insurance?
Can I be preserves instead?


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rumproast
LSU Fan
Member since Dec 2003
7751 posts

re: Is there any reason to get uninsured motorist bodily injury insurance?
Well...if your spouse is killed...it would be nice to recover lost wages...loss of consortium.....wrongful death???? Right??? Obviously, health insurance doesn't help there, does it. Um is the most important coverage you can have period.....and to those who think this is greedy...well...I just hope it doesn't happen to you.
This post was edited on 12/3 at 11:15 pm


OTIS2
LSU Fan
NoLA
Member since Jul 2008
30124 posts

re: Is there any reason to get uninsured motorist bodily injury insurance?
Rump, you can't fix stupid.


rumproast
LSU Fan
Member since Dec 2003
7751 posts

re: Is there any reason to get uninsured motorist bodily injury insurance?
Ahh...its not stupidity....its a lack of understanding. I have several clients who have purchased significant um policies after getting screwed because of not having it....they werent stupid....just didnt understand the significance...or didnt think it could happen to them.


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TulaneUVA
Virginia Fan
Member since Jun 2005
21279 posts
Online

re: Is there any reason to get uninsured motorist bodily injury insurance?
Don't have spouse. Single male with no dependents.


TulaneUVA
Virginia Fan
Member since Jun 2005
21279 posts
Online

re: Is there any reason to get uninsured motorist bodily injury insurance?
quote:

So your disability check would be equal to you salary?


I don't remember the terms, but pretty much. Barring me being a quadriplegic, I am taken care of for a good while.

quote:

Will it pay your out of pocket medical expenses...copays and deductible ?


Copays and all that through my insurance are manageable. I had knee surgery (ACL reconstruction) and literally paid $0.

quote:

Should you lose bodily function to some degree, your disability benefit going to compensate you for that?


Up to a degree...but if I'm at that point, me having $25k UMBI policy is pocket change.



Look, I'm not saying you guys are wrong. I'm just saying that your reasons for getting it doesn't seem to fit my situation. Please tell me if I am incorrect.

So far, I am leaning towards getting it anyway just in case due to low dollar principle. You've convinced me...but if I was on a tighter budget, I would probably balk.
This post was edited on 12/3 at 11:24 pm


rumproast
LSU Fan
Member since Dec 2003
7751 posts

re: Is there any reason to get uninsured motorist bodily injury insurance?
Ok....suppose,you fracture a vertebrate....are paralyzed. You make $100k a year as an architect...but cant work anymore. Same difference. With um, you get something for that loss. There is a "pot" to collect from.


CaptainsWafer
USA Fan
Bone it like you own it.
Member since Feb 2006
42689 posts

re: Is there any reason to get uninsured motorist bodily injury insurance?

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How well do you know your agent?


TulaneUVA
Virginia Fan
Member since Jun 2005
21279 posts
Online

re: Is there any reason to get uninsured motorist bodily injury insurance?
quote:

You make $100k a year as an architect...but cant work anymore. Same difference. With um, you get something for that loss. There is a "pot" to collect from.



Agreed. But up to what the policy covers...which is again, a small chunk of change compared to not being able to work for the rest of your life as a person in their mid 20's. If some dude without insurance paralyzes you, you're fricked no matter what 'typical' uninsured motorist coverage you have. Yay, I get $25k...so what. I'm paralyzed.


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TulaneUVA
Virginia Fan
Member since Jun 2005
21279 posts
Online

re: Is there any reason to get uninsured motorist bodily injury insurance?
quote:

How well do you know your agent?


Not well. Just switched insurances as my previous insurance agent left the company. Will get to know this chick very well tomorrow.


CaptainsWafer
USA Fan
Bone it like you own it.
Member since Feb 2006
42689 posts

re: Is there any reason to get uninsured motorist bodily injury insurance?
Well I'm not going to tell you to trust someone you don't know.

I believe I answered some of the questions asked on the thread too.


rumproast
LSU Fan
Member since Dec 2003
7751 posts

re: Is there any reason to get uninsured motorist bodily injury insurance?
I would suggest more than $25k. But, if that is what you have, then it is till 25k more than you would otherwise have. Can feed you for a few months anyway.....


TulaneUVA
Virginia Fan
Member since Jun 2005
21279 posts
Online

re: Is there any reason to get uninsured motorist bodily injury insurance?
You did, and they are much appreciated. Thanks.


CaptainsWafer
USA Fan
Bone it like you own it.
Member since Feb 2006
42689 posts

re: Is there any reason to get uninsured motorist bodily injury insurance?
What liability limits do you carry?


TulaneUVA
Virginia Fan
Member since Jun 2005
21279 posts
Online

re: Is there any reason to get uninsured motorist bodily injury insurance?
25/50


CaptainsWafer
USA Fan
Bone it like you own it.
Member since Feb 2006
42689 posts

re: Is there any reason to get uninsured motorist bodily injury insurance?
Then I believe you'll have to carry 25/50 UM, should you chose to carry the coverage.


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