quote:
Well you don't cover that in a basic policy anway? So why does my basic policy go up and why am I paying for a separate uninsured motorist policy.

They do cover you with your collision coverage, but if they have no one to recoup their payments from, it’ll drive up costs.

You’re paying separate UMBI coverage to protect yourself if you’re injured by someone who doesn’t have insurance. UMPD can be carried if you don’t have collision, to protect yourself if an uninsured driver is responsible for your damages.

No one is forcing you to carry anything other than basic liability in Louisiana. Every other coverage you have, you chose it.

If you think it’s a scam, drop everything but minimal liability limits.

This post was edited on 5/14/19 at 3:16 pm

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Posted by Guess

Down The Road

Member since Jun 2009

3781 posts

Posted on 5/14/19 at 3:31 pm to CaptainsWafer

quote:
They do cover you with your collision coverage, but if they have no one to recoup their payments from, it’ll drive up costs.

You’re paying separate UMBI coverage to protect yourself if you’re injured by someone who doesn’t have insurance. UMPD can be carried if you don’t have collision, to protect yourself if an uninsured driver is responsible for your damages.

No one is forcing you to carry anything other than basic liability in Louisiana. Every other coverage you have, you chose it.

Still doesn't change the fact that they Only cover collision (the basics) why should a potential accident with an uninsured motorist affect that when they wouldn't cover it anyway?

I could understand if just my uninsured motorist policy was higher, but the whole thing is really just a catch 22. Price people out of keeping insurance, charge higher rates using that as excuse, government collects stupendous no indurance fines. frick the consumers in La.

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