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Started By
Message
Any auto insurance Baws around?
Posted on 7/21/22 at 8:16 am
Posted on 7/21/22 at 8:16 am
Will my insurance company chase down a worthless POS that was driving around without insurance or will this be left up to me? Also, I have heard that when using uninsured motorist, this will affect my rates, is that a true statement?
7
Posted on 7/21/22 at 8:35 am to Vlad
quote:Many do, but only after they pay on one of your coverages.
Will my insurance company chase down a worthless POS that was driving around without insurance or will this be left up to me?
quote:Edit...I wasn't paying attention and am 1 cup short on coffee. You're in Alabama? Forget what I said about rates.
Also, I have heard that when using uninsured motorist, this will affect my rates, is that a true statement?
This post was edited on 7/21/22 at 9:05 am
Posted on 7/21/22 at 8:41 am to AlxTgr
Posted on 7/21/22 at 8:47 am to Vlad
Maybe check with an attorney on this one.
Posted on 7/21/22 at 8:49 am to LEASTBAY
He did
Posted on 7/21/22 at 8:54 am to AlxTgr
Posted on 7/21/22 at 8:56 am to LEASTBAY
quote:
Maybe check with an attorney on this one.
Uhm….
Posted on 7/21/22 at 9:00 am to Vlad
quote:
I have heard that when using uninsured motorist,
what do you think you are using UM for? physical damage to your car? or bodily injury to passengers?
Posted on 7/21/22 at 9:02 am to AlxTgr
quote:
after they pay on one of your coverages.
This is called "Subrogation"
quote:
your rates cannot be raised for a non-fault accident.
Yeah, because insurance companies can't ever figure out a way to pack it on as another "miscellaneous" charge
The fact of the matter is, rates are so high in Louisiana precisely because we have so many uninsured or under insured drivers drivers. The price will be passed on to you, directly or indirectly
Posted on 7/21/22 at 9:02 am to AlxTgr
quote:
No, your rates cannot be raised for a non-fault accident.
this blanket statement is not true.
Posted on 7/21/22 at 9:06 am to Chad504boy
quote:You keep saying this, but it's Louisiana law. I edited the first response for Alabama.
this blanket statement is not true.
Posted on 7/21/22 at 9:08 am to jrobic4
quote:No shite. I did it for over a decade.
This is called "Subrogation"
quote:Meh, it's more likely a combination of lawyer advertising, doctors who will treat an unlimited # of months, and Judges who do not hold plaintiffs to their burden of proof.
The fact of the matter is, rates are so high in Louisiana precisely because we have so many uninsured or under insured drivers drivers. The price will be passed on to you, directly or indirectly
Posted on 7/21/22 at 9:11 am to Vlad
quote:
Will my insurance company chase down a worthless POS that was driving around without insurance or will this be left up to me?
Did the insurance company pay you anything for uninsured coverage? If so they may try, but will likely be unsuccessful.
quote:
Also, I have heard that when using uninsured motorist, this will affect my rates, is that a true statement?
While it won't be used against you as an at fault accident, it's never a good thing for your rates if an insurance company has to pay you.
Posted on 7/21/22 at 9:13 am to AlxTgr
quote:
AlxTgr
No need to take personal offense, I replied to you, but My response was intended for everyone on the thread.
The factors you pointed out do make a difference, The number of UM drivers has a significant impact on rates
Posted on 7/21/22 at 9:19 am to AlxTgr
quote:They can't legally surcharge you for a not-at-fault accident. But they can take away a "claim free discount". Its a loophole that I know of at least one LA auto insurer who does this.
You keep saying this, but it's Louisiana law.
Posted on 7/21/22 at 9:19 am to jrobic4
quote:
No need to take personal offense
Posted on 7/21/22 at 9:21 am to Tiger Prawn
That's good to know and makes sense.
Posted on 7/21/22 at 9:34 am to Chimlim
quote:So far, only for rental coverage. I assume this will also cover damage to my truck and property damage. I tore the shite out of some folks yard.
Did the insurance company pay you anything for uninsured coverage?
Posted on 7/21/22 at 9:36 am to AlxTgr
quote:Yes
You're in Alabama?
Posted on 7/21/22 at 9:37 am to Vlad
quote:
Will my insurance company chase down a worthless POS that was driving around without insurance or will this be left up to me?
Depends on how much money they’re on the hook for and how much they think it will cost them to do so.
quote:
I have heard that when using uninsured motorist, this will affect my rates, is that a true statement?
Depends on your company but usually not. If you’re just repairing your vehicle you’ll use your collision coverage though.
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