I don't have it and have been hit by a uninsured motorist. My collision covered repairing my vehicle, no passengers were injured, but if they had been I have liability coverage, if I had been injured I have medical coverage, I don't work, so income remains the same, when I did work I carried sufficient disability insurance. And as in the case of the OP if I were to get sued, again I have auto liability coverage and a large umbrella policy. The lack of the additional premium for uninsured motorist more than offsets my deductibles if I go a year without using any of my insurance.

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Posted by Crimson1st

Birmingham, AL

Member since Nov 2010

20257 posts

Posted on 2/19/18 at 10:56 pm to EA6B

quote:
no passengers were injured, but if they had been I have liability coverage,

I am assuming UIM is the same in LA as in AL, but you and your passengers, if any, are leaving some aspects UIM coverage handles on the table. What if your passenger(s) don't have health insurance and get injured? What if you and/or your passengers needed monies for pain and suffering or lost wages to litigate this in court...you are leaving that on the table without UIM coverage. Also, your liability will not cover your passengers generally if they are hurt in an accident, that falls under UIM coverage....again assuming UIM coverage works in LA as it does in AL which I believe it does.

This post was edited on 2/19/18 at 10:57 pm

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Posted by TigerGman

Center of the Universe

Member since Sep 2006

11245 posts

Posted on 2/20/18 at 8:15 am to EA6B

quote:
no passengers were injured, but if they had been I have liability coverage

You don;t understand how this works do you? YOUR liability coverage only applies if YOU were at fault. Lucky for you no one was hurt or they'd have been shite out of luck.

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