what 'potential liabilities' are we talking here?
The thread has much discussion, but I'll give a few minutes of thought to this post...others may chime in.
Myself? Covered under my health insurance...will be exposed to risk of copays and deductibles there. A few thousand $'s in most cases?
Your taking the risk that you're noncovered health expenses are only a few grand. If you're injured in an accident severe enough to drain the negligent driver's coverage, the duration and expense presented by your situation can be much more. You're taking that risk
My passengers? Covered under my bodily injury liability coverage up to limits. Might be exposed to further if sued by passengers who are injured. Does UMBI kick in here?
UM will not satisfy your passengers claims against you if you are alleged to be at fault.Your liability coverage will cover you there.
Uninsured vehicle? Property damage liability kicks in up to limits.
We already talked about my disability being generous enough to cover lost wages.
That's your belief. Disability benefits, as a source of support, are a helluva way to live. I know this from experience, but it's your risk.
the way I see it, the only risk exposure I have is being sued beyond my bodily injury coverage from my passengers and the other vehicle passengers/driver. Does UMBI cover me?
I don't agree with you. UMBI will not cover claims alleging you caused injury...your liability coverage will. You can raise those limits if you wish to protect futher against that risk.
You have great comfort in your disability coverage. I hope you don't need it. And you show great confidence in the assumption your health insurance will do what you need it to do. I hope you don't need to find out. Good luck.