re: Louisiana has nation’s second-highest car insurance rates, report says

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It covers bodily injury. You know what else covers bodily injury? The health insurance you already have. In fact, health insurance will kick in first and the uninsured will only kick in if your health policy doesn't cover. Ask your car insurance agent about this next time they try to tack that onto your bill. Uninsured also allegedly covers damages for personal injury but good luck getting your own insurance company to give you a substantial pain and suffering payout.

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Your health insurance is not the at fault parties privilege of a reason of not being responsible for your health insurance bills. You are able to collect 100% of what your health insurance pays out. Jesus Christ you gave out some bad information.

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Bring the downvotes bitches.

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collateral source rule is fricking legit

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But wouldn't my short and long term work comp coverage through aflak (I think) help fill that gap?

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FYI, you don't and can't purchase workers' comp coverage on yourself, and there is no short or long term WC coverage.

WC coverage is carried strictly by your employer.

I assume what you are talking about carrying is disability coverage, not workers comp.

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why aren't we number 1?

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Because Detroit

We are closing the gap though

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my SIL sells auto insurance for several companies and straight up told me it's they thh states insurance commissioner is in bed with insurance companies and that for the most part uninsured motorist is a joke but a ton of people that don't understand it think they HAVE to absolutely have it although they aren't getting really any extra coverage anywhere if they have adequate health insurance...

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Ask your sister in law this: Little old lady rear ends you hard at a stop light. You have a ruptured disc in your low back and a torn rotator cuff. You have 60k in surgeries and a lifetime of pain in your low back. and your shoulder is never the same again.

Little old lady has state minimum limits of 15k in insurance.

What happens next if you have no UM?

I can't decide if I'd rather you get stuck in a volcano or get crushed by an uninsured motorist and have to undergo a three-level fusion

Toss up, really

Nowadays, the majority of companies offering health insurance do so by having extremely high deductible health insurance plans. Hell, the last plan I was on had a family deductible of approximately $7500.00. And that resets every year. That comes out of pocket before the co-pays kick in.

So even with health insurance, you could be on the hook for the first $7500.00. Then, on top of that, add lost time from work not covered under a disability policy, and on top of that, the pain and suffering portion of what you might have to deal with having a substantial injury. There's no way I waive U/M when it's so affordable, and makes up so many gaps.

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Now I present all this to state farm and they tell me its easier to just pay out the claim than fight. WTF!!!

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And there's the other side of the equation. They'll just increase premiums to cover and rock out. There are individuals who game insurance for a living and ins co's, attorneys, judges etc. are all complicit. It's maddening.

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average annual premium in the Bayou State is $1,921,

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Son of a bitch that's expensive. I pay about half that