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Started By
Message
How much car insurance you baws have?
Posted on 12/11/25 at 11:18 am
Posted on 12/11/25 at 11:18 am
I always had the bare minimum but then my buddy who used to work at insurance told me he has 500k medical liability coverage. God damn is this the norm? I pay 1200 a year
26
Posted on 12/11/25 at 11:21 am to fareplay
Bare minimum to be legal since 2002 More of a reason to pay cash for vehicles.
Never have made a claim. No accidents.
Never have made a claim. No accidents.
Posted on 12/11/25 at 11:23 am to fareplay
Depends on your assets.. if you’re in an accident and don’t have enough to cover the loss and that person has Uninsured/underinsured insurance and they file against it. When their insurance company pays out the UM coverage they(the insurance company)can come after to to indemnify that loss..
This post was edited on 12/11/25 at 11:24 am
Posted on 12/11/25 at 11:24 am to BabyTac
quote:
fareplay
quote:
BabyTac
Both of you guys are rich enough to self insure so you're good with the minimum.
Posted on 12/11/25 at 11:29 am to fareplay
Full coverage plus uninsured motorist plus rental car coverage plus roadside assistance.
Shout out State Farm
Shout out State Farm
Posted on 12/11/25 at 11:30 am to fareplay
If you live in Louisiana you better have 100k+ UM.
Posted on 12/11/25 at 11:30 am to fareplay
If he gets in a serious accident that 500k won't last long.
I was severely injured in a crash 30 years ago and USAA payed out millions for my medical bills.
I was severely injured in a crash 30 years ago and USAA payed out millions for my medical bills.
This post was edited on 12/11/25 at 11:32 am
Posted on 12/11/25 at 11:32 am to fareplay
500/500
2M/2M umbrella.
Figure anything I would be liable for would settle for under 2.5M
2M/2M umbrella.
Figure anything I would be liable for would settle for under 2.5M
Posted on 12/11/25 at 11:33 am to UptownJoeBrown
umbrella coverage is smart
may add that
may add that
Posted on 12/11/25 at 11:34 am to Towelie
quote:Fun fact: in Texas if you have 25 or more vehicles registered in your name or a company of which you are a beneficial owner you are considered self-insured and not required to carry an insurance policy.
Both of you guys are rich enough to self insure so you're good with the minimum.
Posted on 12/11/25 at 11:39 am to fareplay
Posted on 12/11/25 at 12:16 pm to fareplay
quote:
I always had the bare minimum
WTF? All you "bare minimum" guys are on crack.
You're all a split, inattentive, second away from loosing almost everything in a bankruptcy. PI Lawyers these days are more and more pursuing individuals personal assets and garnishing wage checks for damages over their coverage limits.
Posted on 12/11/25 at 12:18 pm to fareplay
$500k/$500k/$100k and a $4mm umbrella
Posted on 12/11/25 at 12:19 pm to TexasTiger33
quote:
umbrella coverage is smart may add that
That’s 2.5M in UM as well. You would be a fool not to have UM in this State. My agent said maybe up to 70% don’t have liability or minimal.
This post was edited on 12/11/25 at 12:20 pm
Posted on 12/11/25 at 12:20 pm to BabyTac
You could self insure with a bond and not have to pay any insurance.
I would advise against that. Cost of defense.
I would advise against that. Cost of defense.
Posted on 12/11/25 at 12:30 pm to fareplay
I have 500k because I own my home.
Posted on 12/11/25 at 12:34 pm to UptownJoeBrown
Your agent who is paid commissions lied to you and told you 70% of Louisiana drivers don't have liability insurance to convince you to buy additional UM coverage? That is five times the actual reported number of uninsured and double the percent of underinsured.
Also, if you have health insurance what is the point of all the UM coverage? It only helps you if they are un/underinsured to pay for your medical bills which will be covered if you have health insurance.
Also, if you have health insurance what is the point of all the UM coverage? It only helps you if they are un/underinsured to pay for your medical bills which will be covered if you have health insurance.
Posted on 12/11/25 at 12:36 pm to UptownJoeBrown
Damn how much does this run
Posted on 12/11/25 at 1:08 pm to fareplay
I have 100/200 for both property and medical with a $500 deductible.
Around 360/mo for two vehicles.
Around 360/mo for two vehicles.
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