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re: Louisiana has nation’s second-highest car insurance rates, report says

Posted on 8/8/17 at 8:10 am to
Posted by TeddyPadillac
Member since Dec 2010
26844 posts
Posted on 8/8/17 at 8:10 am to
quote:

The reason you have uninsured motorist it to pay for uninsured cars. If you are hit by someone without insurance it will cover YOUR damages.



my comp and collision will cover MY damages if i'm hit by a uninsured motorists. so what do i need uninsured motorists for again?
Posted by SuperSaint
Sorting Out OT BS Since '2007'
Member since Sep 2007
140606 posts
Posted on 8/8/17 at 8:20 am to
quote:

my comp and collision will cover MY damages if i'm hit by a uninsured motorists. so what do i need uninsured motorists for again?
this


And I have great health insurance, what is it that purchasing 'uninsured motorist' will get me, that I need, that I don't already get??

Can anyone answer this in laymens terns?
Posted by SlowFlowPro
Simple Solutions to Complex Probs
Member since Jan 2004
432266 posts
Posted on 8/8/17 at 8:21 am to
quote:

my comp and collision will cover MY damages if i'm hit by a uninsured motorists. so what do i need uninsured motorists for again?

your theory works if you're thinking a small scale accident

imagine getting t-boned by a person without insurance and you lose the use of your arms or suffer some other injuries so that you can't work for a year. sure your comp will cover your car being totaled and your health insurance will cover the medical bills, but what about everything else?
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