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Message
1
Posted on 12/9/25 at 10:18 pm to Neauxla
Here are the options I go to update my auto coverage
This post was edited on 12/9/25 at 10:20 pm
Posted on 12/9/25 at 10:19 pm to meeple
quote:Sounds like you will have to change carriers to get the required coverage if you want to buy a policy from RLI? :shrug:
What am I supposed to do about that?
Posted on 12/10/25 at 6:25 am to meeple
That bottom option is $500K CSL which meets the RLI requirement
Posted on 12/10/25 at 6:31 am to lynxcat
Is that better or worse auto coverage?
Posted on 12/10/25 at 8:14 am to meeple
It’s just different.
You currently have 250/500 BI and 50 PD:
That means it’s 250k per person or 500k per accident (2+ people) for bodily injury and 50k for property damages. So max 550 with BI and PD. Vs 500 combined. They are very similar. With 500 CSL 1 individual could get the whole amount vs max of 250 bi and 50 pD with the other policy. I have a 500 CSL policy myself
You currently have 250/500 BI and 50 PD:
That means it’s 250k per person or 500k per accident (2+ people) for bodily injury and 50k for property damages. So max 550 with BI and PD. Vs 500 combined. They are very similar. With 500 CSL 1 individual could get the whole amount vs max of 250 bi and 50 pD with the other policy. I have a 500 CSL policy myself
Posted on 12/12/25 at 4:55 am to Neauxla
quote:
have a 500 CSL policy myself
It looks like it would only be a minimal increase in my premium (for now) if I switch to 500 CSL.
When I go to update the policy I am getting prompted to sign this though. Is this something new, or specific to the 500 CSL? I’m already carrying 100/300 Uninsured/Underinsured Motorist coverage since when I had initiated the policy earlier this year and didn’t request a change to that.
This post was edited on 12/12/25 at 4:58 am
Posted on 12/13/25 at 6:10 am to Neauxla
quote:
someone, I'm going to tell my insurance company to give them every penny they ask for so they don't seek an excess. That way if my insurance company decides not to, they are on the hook for the excess, not me
Whaaaat??? Hahaha
Posted on 12/14/25 at 5:23 pm to Neauxla
quote:
Are your totals publicly posted for an attorney to see? no they are not
It is discoverable in litigation.
Posted on 12/14/25 at 5:30 pm to RoyalWe
quote:
Sounds like you will have to change carriers to get the required coverage if you want to buy a policy from RLI? :shrug:
Other carriers will also enforce higher limits on his auto policy. I think they all require it.
I have mine thru Shelter to respond to the OP. I carry $2M but did not use the level of analysis you describe.
Posted on 12/14/25 at 6:34 pm to PenguinPubes
quote:
hey didn’t have access to the number but attorney said they most likely called around faking names and somehow found the policy amount.
So you were sued for a specific dollar amount in Louisiana?
bullshite
Posted on 12/14/25 at 8:32 pm to diat150
quote:if I injured someone with my negligence, why wouldn’t I want them to get compensation?
quote:someone, I'm going to tell my insurance company to give them every penny they ask for so they don't seek an excess. That way if my insurance company decides not to, they are on the hook for the excess, not me Whaaaat??? Hahaha
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