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Started By
Message
re: Apparently State Farm is claiming not to issue new Umbrella policies.
Posted on 8/15/25 at 8:07 am to boosiebadazz
Posted on 8/15/25 at 8:07 am to boosiebadazz
quote:
Short-term is going to be a portion of your wages for a defined period, likely maxed out at two years. That will then convert to a long term policy
But I do not pay income tax on any of that portion. So a “portion” nets to pretty close to take home for me.
quote:
with an “any occupation” clause
I have an own occupation policy. But that’s a fair point for someone who doesn’t.
quote:
Not to mention co-pays or deductibles on health insurance that will come out of your pocket at the time of service.
Until you hit maximum out of pocket. Then you are at 100%. But the cost of insuring that number through UM is a terrible deal.
You do make good points. UM may cover some things for some people.
YMMV. I’m still not buying it.
0
Posted on 8/15/25 at 8:08 am to DiamondDog
I left SF because they wouldn't sell me an umbrella.
Posted on 8/15/25 at 8:11 am to DiamondDog
Landry repeatedly pledged and promised all of us he would sign every insurance reform bill the Legislature sent to his desk. He got our vote. Then when Senate Bill 111 bill came across his desk, what did that cock sucker do? He vetoed that shyt.
He's taken the following "donations" from Trial Lawyers to date:
$700,595 during his campaign.
$386,000 for various committees he raises money for
$29,000 from Gordon McKernan to Louisiana Republican Party immediate after he was voted into office
$45,000 to Cajun PAC II shortly after vetoing' the Bill 111
Landry is a joke and we've all been cucked....So frick him for all this insurance increase bullshyt.
He's taken the following "donations" from Trial Lawyers to date:
$700,595 during his campaign.
$386,000 for various committees he raises money for
$29,000 from Gordon McKernan to Louisiana Republican Party immediate after he was voted into office
$45,000 to Cajun PAC II shortly after vetoing' the Bill 111
Landry is a joke and we've all been cucked....So frick him for all this insurance increase bullshyt.
Posted on 8/15/25 at 8:17 am to mthorn2
Now do Tim Temple 
Posted on 8/15/25 at 8:22 am to DiamondDog
I say this with great clarity - based on experiences with my residence, my vehicles, and business - screw State Farm
Posted on 8/15/25 at 8:37 am to Spankum
quote:
What the hell is an “umbrella” policy? Homeowners, automobile, both?
Additional insurance to protect your assets. If your auto policy covers up to 500,000 dollars in damages and medical expenses but you get in a bad wreck injuring several people and you’re found at fault, and the damages/medical expenses exceed 500k, an umbrella policy covers the extra up to that policies limit. So say the wreck cost 800k total, auto policy covers 500k of it. Umbrella would cover the other 300k. If you say had personal net worth of 1 million and no umbrella policy, you’d be on the hook for the 300k and assets could be seized and auctioned off to cover it
Posted on 8/15/25 at 8:39 am to DiamondDog
USAA refused to issue us an umbrella policy in LA a couple years back due to incidents on our auto policy. Teen daughter grazed a parked car leaving a friend's house and neighbor filed a claim, and I had one speeding ticket in middle of nowhere NM (cruise set on 58 in a 55 zone but trooper me up for 62).
Reminds me to try again now that she's off the policy and the ticket is 3+ years old.
Reminds me to try again now that she's off the policy and the ticket is 3+ years old.
Posted on 8/15/25 at 8:42 am to DiamondDog
After working in roofing the last year I’ll never have State Farm coverage again
Posted on 8/15/25 at 8:50 am to RanchoLaPuerto
quote:
All meds are covered by health insurance.
False. I carry $100,000 in medpay for this.
Posted on 8/15/25 at 8:52 am to DiamondDog
No new umbrellas in MS either.
They messed up my billing in May and I’ve been trying to get continuation of my existing policy since then.
Posted on 8/15/25 at 9:05 am to DiamondDog
quote:
False. I carry $100,000 in medpay for this.
Other than deductibles and copays until you reach your MOOP, yeah, it does.
And medpay is separate from UM, right? Medpay is stupid cheap. UM is not.
This post was edited on 8/15/25 at 9:06 am
Posted on 8/15/25 at 9:10 am to RanchoLaPuerto
quote:
Other than deductibles and copays until you reach your MOOP, yeah, it does.
Nah. Talk to Boosie on here or any other attorney that does PI.
You can eat through your low med pay quickly and getting your health insurance to pay can be a pain.
Posted on 8/15/25 at 9:16 am to Spankum
I cancelled my umbrella after talking to a friend who is a PI attorney. He said PI are only going to sue 99% for the amounts of the policy limits unless it’s a case with really bad injuries or deaths. He said suing outside the policy limits and getting a judgment in excess is rare. They can’t take you home or retirement accounts. If you have horde of cash they could get that but most people have that stuff protected already in LLC’s etc.
Posted on 8/15/25 at 9:18 am to mthorn2
hes taken 5m my dude. Jeff is a sellout
Posted on 8/15/25 at 9:18 am to TxWadingFool
quote:
Must be a Louisiana thing
It is a Louisiana thing. We have clowns (lawyers) to the left of us and jokers (leeches) on the right, here.
Posted on 8/15/25 at 9:19 am to DiamondDog
quote:
You can eat through your low med pay quickly and getting your health insurance to pay can be a pain.
It is ERISA. I get that. But if I’m hurt bad enough that I need UM, I’m pretty damned sure my health insurer will pay as easily as UM. And I’ve got no lifetime cap.
Now there may be an instance where I need custodial care. Health insurance will not cover that. But that’s a low risk.
It’s a dollars to benefit issue for me. UM insures very few dollars at a relatively high cost. And, my attorney is going to take 1/3 of whatever it does insure. That makes it an even poorer deal.
This post was edited on 8/15/25 at 9:20 am
Posted on 8/15/25 at 9:19 am to boosiebadazz
Tim is actually trying to reform things.
trial attorneys are a plague on this state. and reversing course is a lot harder than changing a couple laws, they've created a culture that will take 20 years to root out.
trial attorneys are a plague on this state. and reversing course is a lot harder than changing a couple laws, they've created a culture that will take 20 years to root out.
Posted on 8/15/25 at 9:27 am to LegendInMyMind
quote:
Who needs insurance on their umbrella?
This guy
Posted on 8/15/25 at 1:01 pm to Weekend Warrior79
Thanks for killing the thread, meatball.
Posted on 8/15/25 at 1:06 pm to SmackoverHawg
quote:
It's for rich people.
Sadly, this is not the case any longer.
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