re: Apparently State Farm is claiming not to issue new Umbrella policies.

Part of the cost is 73% of Louisiana drivers don’t have insurance at all! That’s insane! That’s why UM is now equal to or more than liability.

We don’t enforce the insurance laws enough.

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All you are insuring is your noneconomic damages. And if you want to protect your family, buy life insurance.

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So , me being the breadwinner for my family if I get in a car wreck at the fault of someone else and become incapacitated to work and they have little to no insurance , my umbrella with UI would help
Yes. My health insurance would cover my medical bills minus co pays and deductibles, if I would be able to keep my job which provides health insurance for me and my family
Disability insurance, yeah I got it but they will only write it for up to about 66% of current income and if I become incapacitated my expenses go up but down
So , for me, I choose to buy an umbrella with underinsured motorist added, it cost about 1200/year, for me it helps me sleep better at night, do what makes you happy, but there are some real reasons on why people choose to buy UI

I get it, and it works for you.

But for me, DI at 66% is pretty close to net, because you don’t pay taxes or social security on it.

Also, I have access to stable health insurance whether I’m able to work or not.

So it is not a good deal for me.

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Agent told me they've been paying out more than they're taking in. $1MM coverage went up to $2,450 a year for me. Almost 100% increase.

I'll renew RLI and drop the SF. That's absurd.

Honor all existing customers with major bump. New policies will not be written.

Lake Charles area.

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You can thank the plaintiff's bar, along with the judges and juries in the 14th JDC.