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Started By
Message
re: So the uninsured ahole who ran a red light and hit me...
Posted on 2/19/18 at 8:07 pm to boosiebadazz
Posted on 2/19/18 at 8:07 pm to boosiebadazz
quote:
I can’t stress enough how important UM coverage is for situations exactly like that
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
6
Posted on 2/19/18 at 8:09 pm to fallguy_1978
Look at your dec page (if you have UM) and see how much UM coverage costs versus liability. It’s a fraction. Carriers don’t like it because the premium is less but they still have to have the limits in reserve. I’m on the hunt for that smoking gun document from the carrier to the agents telling them to steer folks away.
This post was edited on 2/19/18 at 8:11 pm
Posted on 2/19/18 at 8:10 pm to fallguy_1978
She’s talking about UMPD to cover damage to your vehicle from uninsured driver if you don’t have collision coverage. If you have collision coverage, that covers damage to your vehicle caused by uninsured drivers too.
Boosie is talking about regular UM, which covers injury caused by uninsured or drivers without high enough limits
Boosie is talking about regular UM, which covers injury caused by uninsured or drivers without high enough limits
Posted on 2/19/18 at 8:10 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.
Dumb. Heck, she even gets 15% of that.
OP, countersue, bro. If you were in Elleck I'd hook you up.
Posted on 2/19/18 at 8:16 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
Don't take this the wrong way but your wife doesn't know wtf she's talking about.
Posted on 2/19/18 at 8:20 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.
I HATE the term "full coverage" there is no such thing.
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
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