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Started By
Message
What is the correct auto coverage for the average family?
Posted on 4/3/25 at 8:25 pm
Posted on 4/3/25 at 8:25 pm
State Farm is killing me on fricking auto insurance, feel like I have too much insurance.
2023 VK Atlas and a 2016 GMC Sierra.
Liability/Bodily Injury: 100k/300k
Property Damage: 100k
Comprehensive:
Uninsured motorist - We live in Houston and messicans drive hammered with zero insurance
Bodily Injury: 50k/100k
TIA
2023 VK Atlas and a 2016 GMC Sierra.
Liability/Bodily Injury: 100k/300k
Property Damage: 100k
Comprehensive:
Uninsured motorist - We live in Houston and messicans drive hammered with zero insurance
Bodily Injury: 50k/100k
TIA
23
Posted on 4/3/25 at 8:28 pm to GREENHEAD22
leak-proof plastic
Posted on 4/3/25 at 8:28 pm to GREENHEAD22
I’d keep what you have as long as you can afford it. $100,000/$300,000 coverage is usually enough to avoid an excess judgment in most cases.
Posted on 4/3/25 at 8:31 pm to GREENHEAD22
quote:
Uninsured motorist - We live in Houston and messicans drive hammered with zero insurance
What if I told you that your collision covers your vehicle if an uninsured motorist hits you? Medical paid by health insurance
Posted on 4/3/25 at 8:31 pm to yellowfin
This is absolutely terrible advice. JFC.
Posted on 4/3/25 at 8:33 pm to Riverside
Why?
I have collision, health, short and long term disability…..why do I need uninsured motorist?
I have collision, health, short and long term disability…..why do I need uninsured motorist?
Posted on 4/3/25 at 8:34 pm to yellowfin
quote:
Medical paid by health insurance
This isn't true.
Posted on 4/3/25 at 8:34 pm to GREENHEAD22
Carry at least 100/300 UM.
Posted on 4/3/25 at 8:35 pm to yellowfin
quote:
why do I need uninsured motorist?
Protects yourself from debilitating injuries.
Posted on 4/3/25 at 8:37 pm to GREENHEAD22
quote:
State Farm is killing me on fricking auto insurance
Why are you not shopping quotes every 6 months? It's super simple to switch car insurance companies. If you have been with a company for longer than a year I can 100% promise you can lower your rate by shopping around. State farm is notoriously high
Posted on 4/3/25 at 8:38 pm to DiamondDog
So will long term disability
Posted on 4/3/25 at 8:39 pm to yellowfin
Because you may actually sustain legitimate injuries that cause pain snd suffering (rare these days but it happens), and without UM coverage, you would not have a source of compensation.
I have never seen anyone who was in a car accident regret having purchased UM coverage.
I have never seen anyone who was in a car accident regret having purchased UM coverage.
Posted on 4/3/25 at 8:40 pm to yellowfin
Long term disability isn’t such a sure thing. The insurer will pay a doctor to say you aren’t disabled after paying out benefits for a few years.
Posted on 4/3/25 at 8:41 pm to Riverside
300k isn’t making pain and suffering go away
Posted on 4/3/25 at 8:42 pm to GREENHEAD22
Minimum liability. Whatever you have to have to be legal and that is it. Those crooks aren’t getting one more cent of my money.
Posted on 4/3/25 at 8:42 pm to Riverside
You'd have to be a certified idiot to ride around South LA without UM.
I think last stat I saw was 60%+ were minimum liability or had no insurance.
And no, the pieces of crap don't feel bad about it at all.
I think last stat I saw was 60%+ were minimum liability or had no insurance.
And no, the pieces of crap don't feel bad about it at all.
Posted on 4/3/25 at 8:43 pm to DiamondDog
He’s partially correct. Health insurance will cover injuries caused by a 3rd party as long as you lie about the cause of the injuries
Posted on 4/3/25 at 8:43 pm to GREENHEAD22
I have 300/500/300 with UMI. I also have a $1M umbrella policy.
My auto deductible is $1K.
My auto deductible is $1K.
Posted on 4/3/25 at 8:44 pm to BabyTac
Posted on 4/3/25 at 8:45 pm to yellowfin
quote:
So will long term disability
At least where I live UM and UIM coverage are some of the best values in insurance.
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