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TulaneUVA 
Virginia Fan
Member since Jun 2005
17476 posts
| Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/3/12 at 8:30 pm)
If you already have very good medical insurance through another provider? Seems like lagniappe to get it through my auto insurance
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samson73103 
Alabama Fan
Krypton
Member since Nov 2008
1929 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/3/12 at 8:31 pm to TulaneUVA)
Only if you want to further enrich insurance companies.
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Paul Allen 
LSU Fan
Baton Rouge, LA
Member since Nov 2007
19640 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/3/12 at 8:32 pm to TulaneUVA)
No, it's not necessary.
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TulaneUVA
Virginia Fan
Member since Jun 2005
17476 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/3/12 at 8:32 pm to samson73103)
I am feeling awfully generous tonight
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Paul Allen
LSU Fan
Baton Rouge, LA
Member since Nov 2007
19640 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/3/12 at 8:33 pm to TulaneUVA)
It's unnecessary, but it never hurts to have it. Is it that much more premium with this coverage?
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TulaneUVA
Virginia Fan
Member since Jun 2005
17476 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/3/12 at 8:35 pm to Paul Allen)
No, its like $12 extra a month...but every little bit helps
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Mung
LSU Fan
Member since Aug 2007
2735 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/3/12 at 8:37 pm to TulaneUVA)
The 25% of drivers who are uninsured, and the other 60% with minimum limits. Cheap way to cover yourself for all the idiots out there.
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Tigerpaw123 
USA Fan
P'ville
Member since Mar 2007
7622 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/3/12 at 8:56 pm to Mung)
Some jackass hits you without insurance, puts you in the hospital and out of work for a while, it would be nice to be compensated
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tigerpimpbot 
LA-Monroe Fan
Judicial hell hole 1
Member since Nov 2011
15484 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/3/12 at 8:59 pm to TulaneUVA)
Yeah, it protects you in case some jackass hits you that doesn't have insurance. Get as much as you can afford. I would carry at least $100k/$300k.
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Motorboat
LSU Fan
Baton Rouge
Member since Oct 2007
5219 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/3/12 at 8:59 pm to TulaneUVA)
Absolutely get um. This is the single most important advice I give on a daily basis. Health insurance does not pay pain and suffering. Um is cheap. There's lots of uninsured/underinsured drivers out there.
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mups
Member since Feb 2007
133 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/3/12 at 8:59 pm to TulaneUVA)
I have it and if I remember correctly, that is what covered the hit and run on my car.
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TortiousTiger
Baton Rouge
Member since Jan 2007
12662 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/3/12 at 9:02 pm to TulaneUVA)
it also covers your passengers.
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Tbobby
USA Fan
Member since Dec 2006
3213 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/3/12 at 9:02 pm to TulaneUVA)
Everyone who says yes does not know what UMBI is.
If you have health insurance, do NOT get UMBI.
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Spankum
LSU Fan
Miss-sippi
Member since Jan 2007
26883 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/3/12 at 9:04 pm to TulaneUVA)
basic uninsured motorist is not a bad idea, as there are a ton of uninsured folks in the south...as for uninsured motorist medical, I think the only reason to use that would be if you had someone in your car who did not have insurnace and you were hit by an uninsured motorist...possible, but not likely IMO...
honestly, I have always kinda had the same questions about any kind of medical insurance rider tacked onto vehicle insurance...never gotten a straight answer on why I needed it, either...
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Festus
LSU Fan
In Tino's Heart
Member since Nov 2009
48472 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/3/12 at 9:05 pm to Tbobby)
quote:
Everyone who says yes does not know what UMBI is.
If you have health insurance, do NOT get UMBI.
You are wrong.
Health insurance does not cover "pain and suffering". Many, many people in LA want to make a claim for this, including plaintiff attorneys, that's just a fact. UMBI opens up that door.
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Tbobby
USA Fan
Member since Dec 2006
3213 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/3/12 at 9:06 pm to Festus)
quote:
You are wrong.
Health insurance does not cover "pain and suffering". Many, many people in LA want to make a claim for this, including plaintiff attorneys, that's just a fact. UMBI opens up that door.
I am right. You are wrong.
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TulaneUVA
Virginia Fan
Member since Jun 2005
17476 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/3/12 at 9:06 pm to Tbobby)
Thay what I am thinking. I have VERY good health insurance.
Only thing I see it buying is coverage of ny passengers who may not have good health insurance. It sounds selfish but I would not be on the hook for them because it would be the uninsured persons fault. If it was my fault, my basic bodily injury coverage should be enough (25/50)....right?
This post was edited on 12/3 at 9:07 pm
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DEG
LSU Fan
halfway between sober and reality
Member since Jul 2009
4127 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/3/12 at 9:07 pm to Tbobby)
quote:
Everyone who says yes does not know what UMBI is. If you have health insurance, do NOT get UMBI.
Wrong. Umbi covers pain, suffering, loss of income, and other noneconomic damages. It's a must have coverage.
Please don't give insurance advice if you don't know insurance.
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Festus
LSU Fan
In Tino's Heart
Member since Nov 2009
48472 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/3/12 at 9:07 pm to Tbobby)
quote:
I am right. You are wrong.
nawwwww....
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TulaneUVA
Virginia Fan
Member since Jun 2005
17476 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/3/12 at 9:09 pm to Spankum)
quote:
basic uninsured motorist is not a bad idea,
That's what collision is for right? If uninsured motorist hits me, I pay 500 deductible and get paid. No biggie
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