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Started By
Message
re: Uninsured Motorist Coverage- Needed or Not
Posted on 3/21/16 at 3:41 pm to Artie Rome
Posted on 3/21/16 at 3:41 pm to Artie Rome
my disability insurance does
1
Posted on 3/21/16 at 3:45 pm to AlxTgr
Right, just giving a little history behind the term.
Posted on 3/21/16 at 3:45 pm to Barrister
Y'all don't realize it but fin has tons of money. He only has a job to get away from his wife for 8 hours a day.
Posted on 3/21/16 at 3:47 pm to ItzMe1972
Do yourself a favor - one day just casually refresh the list of accidents on the LADOTD website in Baton Rouge and New Orleans. Nearly 1 in 4 is a hit and run. Decide appropriately.
Posted on 3/21/16 at 3:48 pm to Horsemeat
Posted on 3/21/16 at 3:51 pm to CaptainsWafer
I don't
I just don't see a reason to double up on insurance to cover the same thing
I carry health and disability already so that covers med expenses and lost wages
Am I gonna lose out on a few hundred dollars in health insurance deductibles? sure
Am I gonna miss my pain and suffering payday? yes and I'm ok with that
I just don't see a reason to double up on insurance to cover the same thing
I carry health and disability already so that covers med expenses and lost wages
Am I gonna lose out on a few hundred dollars in health insurance deductibles? sure
Am I gonna miss my pain and suffering payday? yes and I'm ok with that
Posted on 3/21/16 at 3:53 pm to Slinky
quote:Ah, ok, but your post was a reply to the guy talking about UM,
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.
quote:
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.
Most people are going to rely on their collision for this.
Posted on 3/21/16 at 3:53 pm to yellowfin
quote:
Am I gonna miss my pain and suffering payday? yes and I'm ok with that
Posted on 3/21/16 at 3:54 pm to yellowfin
quote:
my disability insurance does
So you pay for disability and not UM? Have you even priced the difference?Posted on 3/21/16 at 3:56 pm to CaptainsWafer
quote:
Y'all don't realize it but fin has tons of money. He only has a job to get away from his wife for 8 hours a day.
Dude, he has disability insurance. He ain't doing all that well.
Posted on 3/21/16 at 3:57 pm to Artie Rome
disability covers any accident, not just a car accident caused by an uninsured/under insured motorist. If I carried UM I'd still have to carry disability.
And it's not expensive since I sit in from of a computer all day. As long as my brain and fingers are working I can do my job
And it's not expensive since I sit in from of a computer all day. As long as my brain and fingers are working I can do my job
Posted on 3/21/16 at 3:59 pm to yellowfin
quote:
I sit in from of a computer all day.
Which is why UM is the better choice. But whatever dude. You do you, boo-boo.
Posted on 3/21/16 at 4:00 pm to ItzMe1972
quote:
Thoughts?
Most need it. It's insurance for your benefit when you are damaged by someone without insurance, or not enough to satisfy the damage they caused. I like taking care of myself so I have it.
Posted on 3/21/16 at 4:00 pm to Artie Rome
quote:You're nuts.
Which is why UM is the better choice.
Posted on 3/21/16 at 4:07 pm to yellowfin
quote:
As long as my brain and fingers are working I can do my job
and if they don't? Closed head injury, spinal cord injury, etc, having a million dollars to help with adaptive aids, house modifications, accessible vehicles, sitters, and a host of other things that health insurance does not pay for
if you don't want it , that is fine and I respect that, but it is the right thing for some people
Posted on 3/21/16 at 4:09 pm to AlxTgr
quote:
You're nuts.
says the insurance adjusterPosted on 3/21/16 at 4:11 pm to boosiebadazz
quote:Nope
says the insurance adjuster
Posted on 3/21/16 at 4:12 pm to Tigerpaw123
quote:
it is the right thing for some people
I've always agreed with that
Posted on 3/21/16 at 4:12 pm to Napoleon
quote:
ou ONLY need it if you do not carry collision insurance, if you have collision there is no need for it. If you have liability only then you BETTER have it.
This is 100% wrong.
As a lawyer, I advise everyone to get the largest UM policy you can afford.
Posted on 3/21/16 at 4:27 pm to Jcorye1
quote:
I'm at 250/500/250.
And the company I work for has another $1mill on top of that when I'm driving for work.
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