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Started By
Message
re: Got hit by an uninsured driver on Saturday.
Posted on 2/5/18 at 10:29 am to brass2mouth
Posted on 2/5/18 at 10:29 am to brass2mouth
quote:
Uninsured motorist coverage is the biggest damn rouse. I already pay for insurance why the hell do I need supplemental coverage for somebody with no insurance?
UM isn't mandatory, so you can decline it if you feel like its such a ripoff. If you carry Collision coverage, that'll cover your vehicle damages caused by an uninsured driver. Your UM coverage is to cover your injuries caused by an uninsured driver OR an under-insured driver.
Lots of people riding around with insurance, but have state minimum liability limits. Their $15,000 liability limit won't go very far if you end up with any serious injury that racks up expensive medical bills and/or loss of income from time missed from work. UM would cover you here.
0
Posted on 2/5/18 at 10:29 am to BamaCoaster
quote:
Only covers medical expenses, not physical damage to your vehicle.
you know nothing, John Snow 
Posted on 2/5/18 at 10:32 am to AlxTgr
quote:
This is not entirely accurate. Without UM, your medical coverage will cover bills only. No lost wages or general damages.
I don't work, but when I did I always had short and long term disability insurance.
Posted on 2/5/18 at 11:51 am to Jim Smith
quote:
Jim Smith
nice avatar. Few here will know what that is
Posted on 2/5/18 at 11:54 am to Neauxla
quote:Jon
you know nothing, John Snow
Posted on 2/5/18 at 11:56 am to Picayuner
Insurance companies in Louisiana are prohibited by law from raising your rates for a not-at-fault accident.
Posted on 2/5/18 at 12:01 pm to Breesus
"And they have their own doctors who make up bullshite reports and swear on them. Then our brilliant state decided to just let insurance companies sue each other and intervene on behalf of a parties so we have an entire economic system built on personal injury lawyers settling with insurance company adjusters and lawyers for huge fees that are almost always unnecessary.
I hate this fricking state and lawyers and politicians some times."
This is so far from the truth it is laughable.
My goodness, you are warped. Get a life. And move, please, to another state.
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