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Neauxla 
New Orleans Saints Fan
New Orleans
Member since Feb 2008
24057 posts
 Online
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 9:45 am to AlxTgr)
Figures. 
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Chad504boy
New Orleans Saints Fan
Five Oh Four
Member since Feb 2005
66231 posts
Online
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 9:46 am to yellowfin)
quote:
because you will come out with more money than you had when you went into the accident
You're legally eligible to recoup the money that your insurer is paying for you. You Profit/Coverage/Whatever floats your boat... it is how it is.
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Neauxla
New Orleans Saints Fan
New Orleans
Member since Feb 2008
24057 posts
Online
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 9:47 am to Chad504boy)
quote:
Chad504boy
people who sue in an auto accident are just money grubbing whores...didn't you know?
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OTIS2 
LSU Fan
NoLA
Member since Jul 2008
18834 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 9:47 am to AlxTgr)
The entire thread is in the context of promoting a good decision...having the coverage. If you have one post that dealt with an at fault, or partailly at fault host driver, fine. But what I said and what Neauxla said is absolutely correct...these guys that don't understand coverage issues can be mislead...stay on point or back out.
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yellowfin 
Illinois Fan
Paige is Pretty
Member since May 2006
53063 posts
Online
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 9:47 am to Neauxla)
you people are all over the map, i'm out of here
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AlxTgr
LSU Fan
Kyre Banorg
Member since Oct 2003
28317 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 9:50 am to OTIS2)
quote:
The entire thread is in the context of promoting a good decision...having the coverage. If you have one post that dealt with an at fault, or partailly at fault host driver, fine. But what I said and what Neauxla said is absolutely correct...these guys that don't understand coverage issues can be mislead...stay on point or back out.
Bull shite.
People are talking about medical insurance vs. UM. I posted about med-pay and contrasted it with UM. You didn't understand and wanted to point out how wrong I was because that's the OT way. Now, seeing how you fricked it up, you refuse to admit how wrong you were and how much of an arse you were. I will calmly accept your apology.
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Chad504boy
New Orleans Saints Fan
Five Oh Four
Member since Feb 2005
66231 posts
Online
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 9:50 am to yellowfin)
quote:
you people are all over the map, i'm out of here
When you say you people, you mean those with health insurance and UM coverage? 
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Chad504boy
New Orleans Saints Fan
Five Oh Four
Member since Feb 2005
66231 posts
Online
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 9:51 am to AlxTgr)
quote:
AlxTgr
As a lawyer, would you recommend your clients coming to you for advice to carry UM coverage with respects to their liability of driving on the road also with passengers in their vehicles whether they have health insurance or not?
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Y.A. Tittle
LSU Fan
Member since Sep 2003
44288 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 9:52 am to ErnestTBassmaster)
quote:
Insurers hate to write UM coverage despite there being laws on the books requiring all drivers to have liability insurance.
Say what? UM is actually a pretty big cash cow for insurance companies, as I understand it. They certainly don't "hate" to write such coverage, or any additional coverages one chooses to purchase.
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Neauxla
New Orleans Saints Fan
New Orleans
Member since Feb 2008
24057 posts
Online
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 9:53 am to Chad504boy)
I would.
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Sophandros
New Orleans Saints Fan
R'Lyeh
Member since Feb 2005
40627 posts
Online
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 9:55 am to TulaneUVA)
quote:
If it's the uninsured motorists fault, then...well, they're shite out of luck. They are responsible for their own health coverage. It's not up to you to insure others. Why should you buy coverage for person x for the fault of person y...you're getting double whammy'd. As selfish as that sounds
Have fun when you get sued.
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AlxTgr
LSU Fan
Kyre Banorg
Member since Oct 2003
28317 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 9:56 am to Chad504boy)
quote:
As a lawyer, would you recommend your clients coming to you for advice to carry UM coverage
I do not get involved with that, ever. Different people have different idea about "General Damages". I can't answer that. I can just tell them what pays for what, and when.
quote:
carry UM coverage with respects to their liability of driving on the road also with passengers in their vehicles whether they have health insurance or not?
That really doesn't make much sense. Um is not going to help with their liability. med-pay could in the sense that it's fault free and gets rid of some, and many times, all of the bills. Just carry high liability limts.
I've only seen two cases where a driver had to come from the hip pocket to get a case settled. Both had too low of limits and had cash available. Most cases settle for the limits no matter what. I have one right now that is going to end up in a huge excess. A guy down the hall had a massive excess earlier this year.
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Chad504boy
New Orleans Saints Fan
Five Oh Four
Member since Feb 2005
66231 posts
Online
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 9:57 am to Sophandros)
quote:
It's not up to you to insure others.
he gonna get mad when he gets judge fricked in the butt.
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Sophandros
New Orleans Saints Fan
R'Lyeh
Member since Feb 2005
40627 posts
Online
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 9:57 am to yellowfin)
quote:
and do you guys really know people without health insurance?
Yes. I know a lot of people without health insurance.
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Chad504boy
New Orleans Saints Fan
Five Oh Four
Member since Feb 2005
66231 posts
Online
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 9:59 am to AlxTgr)
quote:
Um is not going to help with their liability.
You took my liability term to literal in the sense of coverage on the policy. Rejecting UM coverage is a liability in and of itself, that's how I was meaning their liability of driving on the road with passengers and such.
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AlxTgr
LSU Fan
Kyre Banorg
Member since Oct 2003
28317 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 10:01 am to Chad504boy)
quote:
Rejecting UM coverage is a liability in and of itself, that's how I was meaning their liability of driving on the road with passengers and such.
This really doesn't compute. Can you rephrase?
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OTIS2
LSU Fan
NoLA
Member since Jul 2008
18834 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 10:01 am to AlxTgr)
quote:
Bull shite.
Read the title of the thread.
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Chad504boy
New Orleans Saints Fan
Five Oh Four
Member since Feb 2005
66231 posts
Online
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 10:03 am to AlxTgr)
quote:
This really doesn't compute. Can you rephrase?
You are taking risks in rejecting UM coverage driving on the roads these days. Whether you get hit by someone uninsured or insrued with low limits... you are gambling. You are taking further gambles in rejecting UM if you have passengers in case they are injured as well.
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AlxTgr
LSU Fan
Kyre Banorg
Member since Oct 2003
28317 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 10:03 am to OTIS2)
quote:
Read the title of the thread.
How about the first line?
quote:
If you already have very good medical insurance through another provider?
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Sophandros
New Orleans Saints Fan
R'Lyeh
Member since Feb 2005
40627 posts
Online
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 10:04 am to Neauxla)
quote:
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.
To be fair, some states allow the insured to purchased either stacked or nonstacked UM coverage. For example, Pennsylvania is one of those states.
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