Is uninsured coverage needed with collision?

Collecting on the monies that your health insurance pays is pretty lucrative.

You are correct. With UMBI (this goes for the normal UMBI not the economic), you can also sue for pain and suffering. And that’s not covered any where you have listed.

Being a independent agent like myself. Your agent is required to advise you to keep it. I carry UMBI and I am fully insured everywhere, you name it and I have it! But I will always carry, bc it can be beneficial beyond what you have listed.

Hope this helps!

I don’t think you need it but lots of people disagree. I haven’t had it in 10 years

Thanks for all the responses. Sounds like I would be risking ability to recover pain and suffering without uninsured motorist

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Thanks for all the responses. Sounds like I would be risking ability to recover pain and suffering without uninsured motorist

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Correct - in a normal scenario, if the other driver is at fault and has insurance you can sue them for what is called general damages (ie, non-economic damages such as pain and suffering, loss of enjoyment of life, mental anguish, etc) plus special/economic damages like medical expenses, lost wages, etc.

In the uninsured motorist scenario, if you do not have personal UM coverage you have no avenue to recover general damages. What if some uninsured POS crushes you and leaves you with severe injuries that require surgery? Sure, your health insurance may pay your medical bills for it, and your auto insurer will pay your vehicle damage, but is that enough for you to be made whole?

Also, most people don’t realize that it is illegal for your auto insurer to raise your rates for making a claim against your UM coverage. So, in the above scenario, you can file a claim (or sue, if required) against your own auto insurer under your UM coverage, and your rates won’t change.

Like someone said above, probably half the drivers on the road have shitty state minimum coverage ($15k limits) or no insurance.

Lots of misinformation in here.

There are different types of Underinsured/Uninsured coverage:

UMPD: Covers your property damage if other driver is uninsured or underinsured. usually no deductible. Must prove other driver was uninsured to use.


Collision: Covers property damage regardless of fault. Usually with a deductible.

UMBI: Covers your medical bills, lost wages and pain and suffering above the at fault party policy or if the at fault party is uninsured.

EOUM: Economic Only UM. Only pays for medical and lost wages (special damages) to the extent the at fault party is underinsured/uninsured.

i agree