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Uninsured motorist bodily injury coverage
Posted on 1/19/17 at 11:48 am
Posted on 1/19/17 at 11:48 am
The way I understand it, this pays for your medical bills if you're hit by an uninsured motorist. But what if you have excellent health insurance? Is it redundant to carry 50/100 in uninsured motorist bodily injury if you have great medical insurance? I know I am ignorant in this, this is why I'm asking.
23
Posted on 1/19/17 at 11:50 am to LSUsmartass
No.You need it. Believe me.
Posted on 1/19/17 at 11:51 am to LSUsmartass
in La, I highly recommend it
Posted on 1/19/17 at 11:52 am to LSUsmartass
UM economic only coveres bills only. Full on UM would cover pain/suffering or whatever if the other driver is under or uninsured.
Carry as much as you can afford.
Carry as much as you can afford.
Posted on 1/19/17 at 11:52 am to LSUsmartass
I've been in an accident with an uninsured motorist. It's a total pain in the arse. Do everything you can to protect yourself.
Posted on 1/19/17 at 11:52 am to LSUsmartass
don't drop UMBI coverage
Posted on 1/19/17 at 11:53 am to LSUsmartass
quote:
The way I understand it, this pays for your medical bills if you're hit by a piece of shite.
The above statement is now correct.
Posted on 1/19/17 at 11:53 am to LSUsmartass
I actually had to use my UM once. I wish I had had more. Letting people only carry 15k in liability is a joke.
Posted on 1/19/17 at 11:54 am to LSUsmartass
If you're OT baller then you are driving a Platinum F250 and you'll definitely want to cover that.
Posted on 1/19/17 at 11:54 am to LSUsmartass
Your UM coverage also compensates you for "pain and suffering" due to injuries caused by the uninsured/underinsured motorist.
Posted on 1/19/17 at 11:54 am to LSUsmartass
Protection against underinsured motorists is valuable. Get it.
Posted on 1/19/17 at 11:55 am to LSUsmartass
quote:
Is it redundant to carry 50/100 in uninsured motorist bodily injury if you have great medical insurance?
Health insurance only pays medical bills. Uninsured motorists coverage can be used to pay for lost wages if you're out of work and pain and suffering. Plus UM will keep you from having to come up with health insurance deductible or co-insurance.
There's also a type of UM some insurers offer as a cheaper option called Economic Only UM...just covers UM related issues that have actual dollar figure (medical bills, lost wage, etc) so it excludes coverage for pain and suffering.
ETA: UM also covers you against under-insured drivers. Too many people drive with state minimum 15/30 bodily injury, so if you have injuries that are more than they have coverage for, your UM would cover the rest.
This post was edited on 1/19/17 at 11:58 am
Posted on 1/19/17 at 11:55 am to CoachChappy
So does it pay for more than your medical bills? Why wouldn't your health insurance cover medical?
Posted on 1/19/17 at 11:57 am to LSUsmartass
quote:
So does it pay for more than your medical bills?
I think so. I had a lawyer, so I really have no clue.
Posted on 1/19/17 at 11:58 am to LSUsmartass
quote:
So does it pay for more than your medical bills?
Lost wages, pain and suffering
ETA: your deductible or co-insurance you'd normally have to pay out of pocket by claiming on your regular health insurance
This post was edited on 1/19/17 at 11:59 am
Posted on 1/19/17 at 11:58 am to LSUsmartass
Your medical insurer's contract typically has language specifying their rights when a third party such as another motorists (either through their liability coverage or your uninsured coverage if they are uninsured) is responsible.
When you go for treatment you will likely sign a form saying that your medical treatment provider or your insurer can recover against anyone who may be responsible. They will ask if it was an accident and if someone was at fault.
This will result in a lien letter to your attorney or the other driver's insurer, and your medical provider and insurer will get reimbursed from any settlement or judgment you achieve.
Sometimes this results in your medical insurer not paying your provider and pointing at the auto insurers. Meanwhile you get bills and demand letters and hope it doesn't hit your credit report.
When you go for treatment you will likely sign a form saying that your medical treatment provider or your insurer can recover against anyone who may be responsible. They will ask if it was an accident and if someone was at fault.
This will result in a lien letter to your attorney or the other driver's insurer, and your medical provider and insurer will get reimbursed from any settlement or judgment you achieve.
Sometimes this results in your medical insurer not paying your provider and pointing at the auto insurers. Meanwhile you get bills and demand letters and hope it doesn't hit your credit report.
This post was edited on 1/19/17 at 12:01 pm
Posted on 1/19/17 at 12:02 pm to CaptainsWafer
i have 100k each person / 300k each accident....Id like to do more if i could
Posted on 1/19/17 at 12:06 pm to LSUsmartass
If you live anywhere remotely near Houston, you need it. Seems like half the people that live here are illegals who hit your sh*t and then flee only to be caught 2 blocks away passed out drunk 
Posted on 1/19/17 at 12:10 pm to MetryMike
quote:
Your medical insurer's contract typically has language specifying their rights when a third party such as another motorists (either through their liability coverage or your uninsured coverage if they are uninsured) is responsible.
When you go for treatment you will likely sign a form saying that your medical treatment provider or your insurer can recover against anyone who may be responsible. They will ask if it was an accident and if someone was at fault.
This will result in a lien letter to your attorney or the other driver's insurer, and your medical provider and insurer will get reimbursed from any settlement or judgment you achieve.
Sometimes this results in your medical insurer not paying your provider and pointing at the auto insurers. Meanwhile you get bills and demand letters and hope it doesn't hit your credit report.
This makes sense
Because as far as I read and understood Uninsured motorist bodily injury only covers your medical bills and nothing else...then there is uninsured economic loss that covers other things, which I don't currently carry.
Posted on 1/19/17 at 12:20 pm to LSUsmartass
You have it backwards.
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