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Posted on 12/11/25 at 1:37 pm to Tadey
quote:
Your agent who is paid commissions lied to you and told you 70% of Louisiana drivers don't have liability insurance
I said none OR MINIMAL. Read better
Posted on 12/11/25 at 1:37 pm to fareplay
More than I want. frick the insurance industry in general.
Posted on 12/11/25 at 1:40 pm to Tadey
quote:
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?
Not one agent is telling people that 70% of La is driving uninsured.
quote:
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.
Well depending on you health plan if you’re like me and carry a high deductible I’d like to be made whole on that along with anything else that might not be covered.
UM isn’t overly expensive.
Posted on 12/11/25 at 1:42 pm to TigerGman
That's all they can afford. Neither have a real life. It's all made up for the boards. I doubt t either actually ha e insurance at all.
Posted on 12/11/25 at 2:12 pm to UptownJoeBrown
quote:
double the percent of underinsured
Read better, I addressed either way.
Posted on 12/11/25 at 4:05 pm to Tadey
quote:
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?
Write better.
Posted on 12/11/25 at 4:28 pm to brass2mouth
250/500/250 with 10 million dollar umbrella policy.
Posted on 12/11/25 at 5:46 pm to fareplay
500K, 1M umbrella.
Posted on 12/11/25 at 5:49 pm to O
quote:
If you live in Louisiana you better have 100k+ UM.
Only one winner in that case…the billboard lawyer.
Posted on 12/11/25 at 5:55 pm to fareplay
Whatever my wife has
Posted on 12/11/25 at 5:57 pm to fareplay
You don’t need insurance when you’re judgment proof. 
Posted on 12/11/25 at 6:00 pm to fareplay
100/300/100
Posted on 12/11/25 at 6:10 pm to DarkDrifter
quote:
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..
It’s highly unlikely unless you kill or severely injured people in an accident that you would ever get a judgment in excess. It does happen but most PI attorneys/insurance aren’t going to bother with it.
Posted on 12/11/25 at 6:10 pm to fareplay
With umbrella, literally $3.50 mil.
Posted on 12/11/25 at 6:12 pm to shutterspeed
quote:
You don’t need insurance when you’re judgment proof.
Poor or LLC?
Posted on 12/11/25 at 6:42 pm to UptownJoeBrown
quote:
Poor or LLC?
Insolvent LLC.
Posted on 12/11/25 at 8:12 pm to fareplay
500/500/500
1MM Umbrella with UM. It's like $225 a month and I'm debating dropping it. I would like more but it's wholesale unaffordable with SF.
RLI seems more reasonable but still not cheap.
I'm told by PI attorneys it's rare they go for a judgement over the policy limits if there is decent coverage. Even then it's difficult.
1MM Umbrella with UM. It's like $225 a month and I'm debating dropping it. I would like more but it's wholesale unaffordable with SF.
RLI seems more reasonable but still not cheap.
I'm told by PI attorneys it's rare they go for a judgement over the policy limits if there is decent coverage. Even then it's difficult.
Posted on 12/11/25 at 8:22 pm to DiamondDog
Mexicans not required to have liability insurance or drivers license in Texas.
Posted on 12/11/25 at 8:38 pm to TexasTiger33
quote:
in Texas if you have 25 or more vehicles
If someone has 25+ vehicles in their name, they would likely not even be worried about the cost of insurance.
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