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Neauxla 
New Orleans Saints Fan
New Orleans
Member since Feb 2008
23858 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 9:33 am to AlxTgr)
quote:
A passenger can collect his own UM, but not your UM.
WRONG!
If you are hit by another driver and you have a passenger in your car. Your passenger can collect from the liability insurer, your UM insurer, and their UM insurer. It is the only time where UM stacking is allowed.
This post was edited on 12/5 at 9:35 am
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OTIS2 
LSU Fan
NoLA
Member since Jul 2008
18441 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 9:35 am to TulaneUVA)
quote:
TulaneUVA
You don't want insight, son. Every professional that has posted in this thread has attempted to explain the pittfalls prsented if one chooses to not carry the coverage. You rationalize your choice to accept those risks...good for you. I hope the risks don't materialize for you. Should they, likely you'll call another professional for bankruptcy advice. Good luck to you.
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Chad504boy
New Orleans Saints Fan
Five Oh Four
Member since Feb 2005
64687 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 9:35 am to AlxTgr)
quote:
UM is not fault free. Med-pay is. If you cause an accident, you and everyone in the car gets med-pay. If you cause an accident, you cannot collect UM in any way. Your passengers cannot collect your UM, but can collect your liability. Problem is, liability can simply refuse to pay with no penalty. Med-pay must be paid quickly regardless of any fault determinations.
Gotcha. Med generally would not even scratch the surface of a lot of more serious injuries in accidents. Med Pay generally is used to fund the lawyer in their coming suit.
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AlxTgr
LSU Fan
Kyre Banorg
Member since Oct 2003
27772 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 9:37 am to Neauxla)
quote:
WRONG!
If you are hit by another driver and you have a passenger in your car. Your passenger can collect from the liability insurer, your UM insurer, and their UM insurer. It is the only time where UM stacking is allowed.
Read again. That was in the context of the host driver being at fault. I was contrasting med-pay with UM. Really a shame you people would rather play gotcha than help out.
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Neauxla
New Orleans Saints Fan
New Orleans
Member since Feb 2008
23858 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 9:37 am to Chad504boy)
I don't think I've encountered anyone w/ over 5k in med pay yet. That doesn't cover much in medical expenses.
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Chad504boy
New Orleans Saints Fan
Five Oh Four
Member since Feb 2005
64687 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 9:37 am to yellowfin)
quote:
sooooooo ......profit
i like to think of it as coverage. i don't know why you're wanting to think of it as profit per say.
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AlxTgr
LSU Fan
Kyre Banorg
Member since Oct 2003
27772 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 9:37 am to Neauxla)
I've got a $10K case right now and have seen some $100K.
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OTIS2
LSU Fan
NoLA
Member since Jul 2008
18441 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 9:38 am to AlxTgr)
quote:
A passenger can collect his own UM, but not your UM.
You are stupid. A passenger in a vehicle that is stuck by an uninsured or underinsured driver will have a claim against the UM policy on the vehicle inwhich he is riding, which claim will be primary over any claim he may have against his own UM coverage. Just fricking stop shittin' up a thread with garbage.
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Neauxla
New Orleans Saints Fan
New Orleans
Member since Feb 2008
23858 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 9:39 am to AlxTgr)
quote:
I've got a $10K case right now and have seen some $100K.
In medpay? What's their liability/UM? 1 mil?
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AlxTgr
LSU Fan
Kyre Banorg
Member since Oct 2003
27772 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 9:40 am to Chad504boy)
quote:
Med Pay generally is used to fund the lawyer in their coming suit.
We generally pay the provider unless we receive proof of prior payment by insured or lawyer.
Oh, and the insured will try hard to get that back. Some even have entire units dedicated to subrogation. I do not miss those days.
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OTIS2
LSU Fan
NoLA
Member since Jul 2008
18441 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 9:41 am to AlxTgr)
quote:
That was in the context of the host driver being at fault
Then the passenger needs UM...that's the point of this thread to attempt and teach these guys that this purchase is in their best interest.
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Neauxla
New Orleans Saints Fan
New Orleans
Member since Feb 2008
23858 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 9:41 am to AlxTgr)
You a claims adjuster? What insurer?
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AlxTgr
LSU Fan
Kyre Banorg
Member since Oct 2003
27772 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 9:41 am to OTIS2)
quote:
A passenger in a vehicle that is stuck by an uninsured or underinsured driver
Good God you can't read. That entire post was in the context of host driver fault. read again and stop being such a fricking douche. I can explain it, but I cannot make you understand it.
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Neauxla
New Orleans Saints Fan
New Orleans
Member since Feb 2008
23858 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 9:42 am to OTIS2)
quote:
That was in the context of the host driver being at fault
Then the passenger needs UM...that's the point of this thread to attempt and teach these guys that this purchase is in their best interest.
Then he goes after the host driver's liability and his own UM.
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AlxTgr
LSU Fan
Kyre Banorg
Member since Oct 2003
27772 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 9:42 am to Neauxla)
Lawyer - multiple insurers. LOTS of UM. Probably 90% auto.
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Neauxla
New Orleans Saints Fan
New Orleans
Member since Feb 2008
23858 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 9:43 am to AlxTgr)
defense or plaintiff?
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AlxTgr
LSU Fan
Kyre Banorg
Member since Oct 2003
27772 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 9:44 am to OTIS2)
quote:
Then the passenger needs UM...that's the point of this thread to attempt and teach these guys that this purchase is in their best interest.
Jesus H --- I was just pointing out how great a buy Med-pay is. 
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yellowfin 
Illinois Fan
Paige is Pretty
Member since May 2006
51753 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 9:44 am to Chad504boy)
quote:
i like to think of it as coverage. i don't know why you're wanting to think of it as profit per say.
because you will come out with more money than you had when you went into the accident
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AlxTgr
LSU Fan
Kyre Banorg
Member since Oct 2003
27772 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 9:44 am to Neauxla)
100% defense
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Neauxla
New Orleans Saints Fan
New Orleans
Member since Feb 2008
23858 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 9:45 am to yellowfin)
quote:
because you will come out with more money than you had when you went into the accident
yeah and a herniated disc that you will have pain from for the rest of your life. Most people would rather be healthy w/o the money but if you are going to suffer for the rest of your life, the money is nice to have
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