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re: So the uninsured ahole who ran a red light and hit me...
Posted on 2/19/18 at 8:27 pm to YoungManOldMan
Posted on 2/19/18 at 8:27 pm to YoungManOldMan
Who’s your carrier splitting up underinsured from uninsured?
1
Posted on 2/19/18 at 8:28 pm to boosiebadazz
quote:
“You don’t need it if you have health insurance.”
My PI friends told me the first thing I need is Med Pay. Then carry the max UM you can because the chances of getting in a wreck with someone with a loaded policy are inherently smaller than one with an underinsured or lack of coverage.
We just switched our insurance location. We pay $1400/6 mo. for two cars with one of those a new one.
This post was edited on 2/19/18 at 8:29 pm
Posted on 2/19/18 at 8:28 pm to boosiebadazz
That sucks. Op should get the offenders left hand or something
Posted on 2/19/18 at 8:29 pm to Barrister
quote:
Actually, you can have their license suspended until they pay
As an adjuster, I can’t tell you how many times I’ve received a claim wherein the 3P is uninsured and driving with a suspended license when they hit our insured. They don’t give a shite as long as their POS car rolls.
Posted on 2/19/18 at 8:29 pm to YoungManOldMan
I’ve heard of splitting underinsured from uninsured but I’ve not seen it in practice. Is that a Louisiana policy?
Posted on 2/19/18 at 8:30 pm to boosiebadazz
quote:
Who’s your carrier splitting up underinsured from uninsured?
GEICO. We are in MO.
Posted on 2/19/18 at 8:31 pm to BamaFan89
New thing I’m seeing is folks paying monthly and just not paying after the first month. They get their card showing six months of coverage to show the cop on the scene and only after do we find out coverage lapsed for nonpayment.
I actually wrote a letter to the responding officer asking for him to go visit the guy and ticket him and impound his car
. Included the letter from liberty mutual and all
I actually wrote a letter to the responding officer asking for him to go visit the guy and ticket him and impound his car
. Included the letter from liberty mutual and all This post was edited on 2/19/18 at 8:33 pm
Posted on 2/19/18 at 8:32 pm to YoungManOldMan
Ah, ok. I’m not sure Louisiana let’s you split the coverage like that. My UM premium is literally 1/5 of my liability coverage
Posted on 2/19/18 at 8:33 pm to YoungManOldMan
quote:
We pay $1400/6 mo. for two cars
frick, where is this?
Posted on 2/19/18 at 8:33 pm to BRgetthenet
quote:
Man, I frickin hate cops
Yeah well I gave the ticket to my lawyer and he’s gotten the court date push back 3 times already, I finally got served for trial this past week. We’re making the POS JP officer and the LSP show up for court next week.
Over a improper lane ticket.
frick both of them. Posted on 2/19/18 at 8:34 pm to boosiebadazz
quote:
New thing I’m seeing is folks paying monthly and just not paying after the first month. They get their card showing six months of coverage to show the cop on the scene and only after do we find it coverage lapsed for nonpayment
Unfortunately, they’ve been doing this for a while in Alabama and Georgia.
quote:If the cops actually started impounding these cars, like they should, that shite would stop with a quickness once the poors figure out the jig is up.
I actually wrote a letter to the responding officer asking for him to go visit the guy and ticket him and impound his car
Posted on 2/19/18 at 8:36 pm to fallguy_1978
quote:
My wife is an insurance agent and always told me that you didn't need UM unless you don't have full coverage. She said the only downside is that the claim counts against you
I agree with her. I don't have it
Posted on 2/19/18 at 8:38 pm to TH03
quote:
frick, where is this?
We don't pay much more than that for 2 vehicles in LA. Less coverage than that baw though.
Posted on 2/19/18 at 8:40 pm to BamaFan89
Not to derail but why have medical coverage if you have good health insurance? I've never understood this?
Posted on 2/19/18 at 8:41 pm to fallguy_1978
Mines about $1680 for less coverage, but with a renters policy as well.
Posted on 2/19/18 at 8:44 pm to TH03
Good credit. Geico. MO.
It was $640 in VA until we switched. St. Louis has terrible drivers. Our premium doubled.
It was $640 in VA until we switched. St. Louis has terrible drivers. Our premium doubled.
This post was edited on 2/19/18 at 8:47 pm
Posted on 2/19/18 at 8:46 pm to baldona
quote:
Not to derail but why have medical coverage if you have good health insurance? I've never understood this?
Insurance may not pay according to PI friend. Also easier to recoup. Worst case, it pays your deductibles.
Posted on 2/19/18 at 8:46 pm to boosiebadazz
quote:
New thing I’m seeing is folks paying monthly and just not paying after the first month. They get their card showing six months of coverage to show the cop on the scene and only after do we find out coverage lapsed for nonpayment.
This is what happened to me. fricking tweaker totaled my car running a red light, and then found out later his insurance was lapsed
Posted on 2/19/18 at 8:49 pm to baldona
Good health insurance and a LT & ST disability policy is enough imo. Unless you need to insure pain and suffering
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