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Started By
Message
1
Posted on 3/21/16 at 2:43 pm to Motorboat
quote:Why?
I hope to have more for you one day
Posted on 3/21/16 at 2:48 pm to ItzMe1972
Crash.
Ambulance ride and ER visit = $ 15K
Louisiana minimum limits are $15K ...lowest in country. That is IF the jackass who hit you even has coverage. UM covers your arse in this situation and it is cheap. Foolish to not have it.
Ironically, in Louisiana the minimum coverage for property damage is $25K.....thus telling you that our legislature values your freakin car more than it values you.
Ambulance ride and ER visit = $ 15K
Louisiana minimum limits are $15K ...lowest in country. That is IF the jackass who hit you even has coverage. UM covers your arse in this situation and it is cheap. Foolish to not have it.
Ironically, in Louisiana the minimum coverage for property damage is $25K.....thus telling you that our legislature values your freakin car more than it values you.
Posted on 3/21/16 at 2:49 pm to Barrister
quote:That's because cars actually do get damaged in wrecks.
Ironically, in Louisiana the minimum coverage for property damage is $25K.....thus telling you that our legislature values your freakin car more than it values you.
:rimshot:
Posted on 3/21/16 at 2:56 pm to ItzMe1972
When your vehicle is involved in a hit and run or an accident with someone lacking vehicle insurance, you're going to wish you had it. You might be out your deductible, but it could be the difference between $1000 or $5500.
This post was edited on 3/21/16 at 2:58 pm
Posted on 3/21/16 at 3:02 pm to Slinky
quote:
When you are involved in a hit and run or an accident with someone lacking vehicle insurance, you're going to wish you had it. You might be out your deductible, but it could be the difference between $1000 or $1,000,000.
Fify
Posted on 3/21/16 at 3:03 pm to yellowfin
quote:
I haven't hear a good enough reason to add it to my policy
I had an illegal back in to my vehicle at a grocery store. I had to pay to have my car fixed.
fricking.......Canadians.
Posted on 3/21/16 at 3:05 pm to Barrister
quote:
Ironically, in Louisiana the minimum coverage for property damage is $25K.....thus telling you that our legislature values your freakin car more than it values you.
It means legislators carry UM.
Posted on 3/21/16 at 3:06 pm to Artie Rome
I was referring to simply damage to your vehicle, a very lowball estimate.
But you're correct. It could reach into six or seven figures.
But you're correct. It could reach into six or seven figures.
Posted on 3/21/16 at 3:08 pm to Slinky
quote:You're mixing coverages here.
When your vehicle is involved in a hit and run or an accident with someone lacking vehicle insurance, you're going to wish you had it. You might be out your deductible, but it could be the difference between $1000 or $5500.
Posted on 3/21/16 at 3:08 pm to AlxTgr
quote:
Why?
because I'm tired of people with means carrying only minimum limits.
Posted on 3/21/16 at 3:10 pm to Motorboat
quote:Surely you will communicate all offers to your client?
because I'm tired of people with means carrying only minimum limits.
None of the cases I have dealt with involved minimum. Generally, those people can't respond to an excess anyway.
Posted on 3/21/16 at 3:20 pm to yellowfin
quote:
I haven't hear a good enough reason to add it to my policy
Let some broke fricker wreck your shite and frick you up and you will be singing a different tune. It's not just uninsured these days it's under insured as well. Most drivers carry the minimum.
Posted on 3/21/16 at 3:23 pm to Barrister
quote:
UM covers your arse in this situation and it is cheap.
so would my health insurance
Posted on 3/21/16 at 3:34 pm to yellowfin
quote:
so would my health insurance
That pays past and future lost wages?
Posted on 3/21/16 at 3:34 pm to DownshiftAndFloorIt
Full coverage actually means you $0 deductibles for comp and collision, i.e. you are fully covered for any damages. Now it just means you have comp and collision no matter what your deductibles may be.
ETA I dont believe these are even offered anymore. I've seen a few older folks with actual full coverage, but not many.
ETA I dont believe these are even offered anymore. I've seen a few older folks with actual full coverage, but not many.
This post was edited on 3/21/16 at 3:36 pm
Posted on 3/21/16 at 3:37 pm to yellowfin
Not only do I have UM coverage that is at the max of the liability limits I have, I have a UM endorsement on my umbrella policy, I sure hope I am pissing money away but as the bread winner for the family I am glad to have it
Posted on 3/21/16 at 3:38 pm to CaptainsWafer
quote:It has become meaningless.
Full coverage actually means
Posted on 3/21/16 at 3:41 pm to AlxTgr
No, I was referring to repair costs actually.
GF's truck was involved in a hit and run a few months ago and it ran her about $4500 in damages, she was out her $1000 deductible.
GF's truck was involved in a hit and run a few months ago and it ran her about $4500 in damages, she was out her $1000 deductible.
Posted on 3/21/16 at 3:41 pm to yellowfin
quote:
so would my health insurance
But it won't cover lost wages, future medical incurred after you lose health insurance and all the shite you go through because some idiot can't obey safe driving rules
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