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AlxTgr 
LSU Fan
Kyre Banorg
Member since Oct 2003
27783 posts
 Online
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 10:05 am to Chad504boy)
quote:
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
OK, I get this. yes, it's a gamble. I cannot help you with that gamble.
quote:
You are taking further gambles in rejecting UM if you have passengers in case they are injured as well.
I don't agree. They should have their own UM. I mean, if you want your passengers to have more coverage, fine. It's not a gamble from your perspective IMHO. You don't owe them UM coverage.
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Y.A. Tittle
LSU Fan
Member since Sep 2003
44030 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 10:06 am to AlxTgr)
quote:
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?
They're trying to present some sort of nightmare scenario, where you're in an accident with no fault, and your buddy riding with you decides to sue you anyway, which they think will turn your life upside down and put everything you own at risk.
Don't take my point as advising against purchasing UM coverage, but the scenario they are proposing here is all but completely outlandish. Provided you have decent liability coverage, in the above scenario, chances are you won't experience a thing, outside of maybe getting service of a suit by a Sheriff.
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OTIS2
LSU Fan
NoLA
Member since Jul 2008
18469 posts
Online
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 10:06 am to AlxTgr)
Does that one line answer the question in the title for you? Really? Typical defense guy...grabs one partially relevant issue...holds on for a year of litigation and hourly fees...then settles. 
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AlxTgr
LSU Fan
Kyre Banorg
Member since Oct 2003
27783 posts
Online
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 10:08 am to OTIS2)
quote:
Does that one line answer the question in the title for you? Really? Typical defense guy...grabs one partially relevant issue...holds on for a year of litigation and hourly fees...then settles.
Look, people are obviously confused about UM/medical Ins and what pays what. Med-pay is directly related to this. It pays medical bills and does so without regard to fault. UM is very different. That's what was posted. that's what was said. that's what was needed. 
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yellowfin 
Illinois Fan
Paige is Pretty
Member since May 2006
51799 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 10:10 am to Sophandros)
quote:
Yes. I know a lot of people without health insurance.
well I don't and I don't normally give strangers a ride
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Sophandros 
New Orleans Saints Fan
R'Lyeh
Member since Feb 2005
40211 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 10:10 am to OTIS2)
quote:
Does that one line answer the question in the title for you? Really? Typical defense guy...grabs one partially relevant issue...holds on for a year of litigation and hourly fees...then settles.
This is why I'm ignoring this guy's posts.
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Sophandros
New Orleans Saints Fan
R'Lyeh
Member since Feb 2005
40211 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 10:12 am to AlxTgr)
quote:
Look, people are obviously confused about UM/medical Ins and what pays what. Med-pay is directly related to this. It pays medical bills and does so without regard to fault. UM is very different. That's what was posted. that's what was said. that's what was needed.
and the point to to discuss the merits of UM.
Period.
You're further obfuscating the issue.
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Sophandros
New Orleans Saints Fan
R'Lyeh
Member since Feb 2005
40211 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 10:12 am to yellowfin)
quote:
yellowfin
Those of us in the real world know people who don't have insurance.
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OTIS2
LSU Fan
NoLA
Member since Jul 2008
18469 posts
Online
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 10:13 am to AlxTgr)
quote:
people are obviously confused about UM/medical Ins and what pays what. Med-pay is directly related to this. It pays medical bills and does so without regard to fault. UM is very different. That's what was posted. that's what was said. that's what was needed.
Well, we agree. But your hypo interjected driver fault into the equation...something not an issue in the thread and thus presented a twist that created additional confusion. Yellowfin has left, probably is about to drive through an intersection and be T-boned by Calundra Washington who is uninsured, and he'll lose the double wide in a Chapter 7 by June because he wasn't properly insured...I hope you're happy... 
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AlxTgr
LSU Fan
Kyre Banorg
Member since Oct 2003
27783 posts
Online
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 10:14 am to Sophandros)
quote:
and the point to to discuss the merits of UM.
Period.
Sorry, but you're wrong. he asked in the context of medical coverage. Not my fault you don't get that. quote:
You're further obfuscating the issue.
I am not at all. Feel free to ignore my posts, but that's not a really smart thing to do.
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yellowfin
Illinois Fan
Paige is Pretty
Member since May 2006
51799 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 10:15 am to Y.A. Tittle)
quote:
They're trying to present some sort of nightmare scenario, where you're in an accident with no fault, and your buddy riding with you decides to sue you anyway, which they think will turn your life upside down and put everything you own at risk.
Don't take my point as advising against purchasing UM coverage, but the scenario they are proposing here is all but completely outlandish. Provided you have decent liability coverage, in the above scenario, chances are you won't experience a thing, outside of maybe getting service of a suit by a Sheriff.
I agree with all of this
and I guess I don't live in the "real world" according to that other guy
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Sophandros
New Orleans Saints Fan
R'Lyeh
Member since Feb 2005
40211 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 10:16 am to AlxTgr)
quote:
Sorry, but you're wrong. he asked in the context of medical coverage. Not my fault you don't get that.
It's clear that you haven't read the entire thread.
quote:
I am not at all. Feel free to ignore my posts, but that's not a really smart thing to do.
Bitch, I know more about insurance than you ever will.
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TulaneUVA 
Virginia Fan
Member since Jun 2005
16919 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 10:16 am to OTIS2)
quote:
You don't want insight, son.
Don't talk down to me like you're my pow pow. I directed that to Neaxla only because there are conesecutive posts of people ramming their dicks into this thread just spouting off basic knowledge stuff without reading into the thread and the specifics. You, Tbobby, Sophandros, AlxTgr, yellowfin and a few others have done a very good job explaining everything. This is now the decision I have made.
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AlxTgr
LSU Fan
Kyre Banorg
Member since Oct 2003
27783 posts
Online
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 10:16 am to OTIS2)
quote:
But your hypo interjected driver fault into the equation...something not an issue in the thread and thus presented a twist that created additional confusion.
I disagree. People want to know about payment of medical bills. UM presents problems there that med-pay does not. Fault, and timing.
quote:
Yellowfin has left, probably is about to drive through an intersection and be T-boned by Calundra Washington who is uninsured, and he'll lose the double wide in a Chapter 7 by June because he wasn't properly insured...I hope you're happy...
Dude's a baller. he ain't losing shite
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Chad504boy
New Orleans Saints Fan
Five Oh Four
Member since Feb 2005
64721 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 10:19 am to yellowfin)
I've presented very non-outlandish scenarios to benefit from UM. Those scenarios are being chosen to be overlooked cause they aren't nightmarish, that's your prerogative. And now you guys want to discount nightmarish scenarios cause they are nightmarish and thus possibly is a bit less realistic yet still possible?
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AlxTgr
LSU Fan
Kyre Banorg
Member since Oct 2003
27783 posts
Online
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 10:19 am to Sophandros)
quote:
It's clear that you haven't read the entire thread.
Nice edit, but I don't need to. OP said "
If you already have very good medical insurance through another provider? Seems like lagniappe to get it through my auto insurance"
If you want to just read titles, fine by me, but don't yell at other because you're a dumbass.
quote:
Bitch, I know more about insurance than you ever will.
Not possible
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Chad504boy
New Orleans Saints Fan
Five Oh Four
Member since Feb 2005
64721 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 10:20 am to AlxTgr)
quote:
Dude's a baller. he ain't losing shit
he'll be less of a baller when calundra is done with his white ass.
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Sophandros
New Orleans Saints Fan
R'Lyeh
Member since Feb 2005
40211 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 10:21 am to AlxTgr)
quote:
Bitch, I know more about insurance than you ever will.
Not possible
Very possible.
Have you ever calculated IBNR?
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AlxTgr
LSU Fan
Kyre Banorg
Member since Oct 2003
27783 posts
Online
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 10:21 am to Chad504boy)
Maybe she'd knock him into reality?
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yellowfin
Illinois Fan
Paige is Pretty
Member since May 2006
51799 posts
| re: Is there any reason to get uninsured motorist bodily injury insurance? (Posted on 12/5/12 at 10:21 am to Chad504boy)
quote:
I've presented very non-outlandish scenarios to benefit from UM.
and I have every one of those scenarios covered with other types of insurance or savings. Plus I have close to 10k in my pocket from not paying UM for the last 15 years
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