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Started By
Message
re: Louisiana has nation’s second-highest car insurance rates, report says
Posted on 8/8/17 at 9:03 am to boosiebadazz
Posted on 8/8/17 at 9:03 am to boosiebadazz
You have to sign to opt out OR if you want your UM limits to be less than what your liability limits are.
0
Posted on 8/8/17 at 9:05 am to boosiebadazz
Boosie, I worked for one of the largest auto insurers in La. We were never instructed to steer clients away from UM. Imagine the professional liability an agent would be exposed to when a client was killed or disabled by an uninsured motorist and that fact was brought out in court. If cost is a problem, raise your deductible on comp and collision to make room for UM. Dealing with a competent agent will give you options and explanations. Something you will not get online. As an example: Many people want to carry a $50 deductible on comp. Going up to $100 saved on average $35 every six months. Do the math, a potential $50 less cost required a guaranteed $35 expense. You potentially saved in reality $15. Use that $35 to pay for UM. Will an extra $50 for a windshield bankrupt you? A disabling accident sure can.
This post was edited on 8/8/17 at 9:15 am
Posted on 8/8/17 at 9:10 am to dwr353
I know the pitfalls and the liability it would open up, that's why I want the smoking gun document.
We've had clients who opted out of UM and when they get in an accident and we go to check, they say their agent advised against it.
Maybe it's just a difference of opinion, but it happens so frequently and it's such a clear-cut issue to me that I can't help but wonder if something fishy is afoot.
We've had clients who opted out of UM and when they get in an accident and we go to check, they say their agent advised against it.
Maybe it's just a difference of opinion, but it happens so frequently and it's such a clear-cut issue to me that I can't help but wonder if something fishy is afoot.
Posted on 8/8/17 at 9:10 am to Festus
Exactly.
However, your Med Pay is also there to help cover your deductible as it can be paid back to you as your bills are incurred up to the policy limit, usually $1000 or $5000.
However, your Med Pay is also there to help cover your deductible as it can be paid back to you as your bills are incurred up to the policy limit, usually $1000 or $5000.
Posted on 8/8/17 at 9:11 am to yellowfin
Oh and I see we are having the uninsured motorist discussion again.........I don't have it fwiw
Posted on 8/8/17 at 12:04 pm to dwr353
quote:Don't worry, buddy, we'll pay for your CYA.
Imagine the professional liability an agent would be exposed to when a client was killed or disabled by an uninsured motorist and that fact was brought out in court.
Posted on 8/8/17 at 12:49 pm to White Bear
Blame the piece of shite rich lawyers and chiropractors and the idiot judges that allow every asswipe that gets rear ended $50k, which they will only see about $8k worth since the piece of shite lawyer and doctor get the majority of it.
And these idiot judges and lawyers want to raise the limit for a non jury trial to $100k so they can make even more money off louisiana drivers.
frick them and the dip shits that think they deserve money b/c they got bumped from behind.
----
Ur too low: $$$ got 2 stories within the last year.
Friend bumps taxi cab in BTR. Black lady is picked up and leaves note saying she was there. Cop shows up. Can't even find a scratch on the car to file a report. Lady gets lawyer (Debossier) Paid out 248k, taxi driver 46k. His insurance company said they were scared to fight it.
In a bit of irony and karma. Same lady gets smoked by a car (not killed) walking across Florida Blvd and couldn't sue the driver who had no Ins.
Another friend is in Baker trying to leave station. One car won't let him in traffic. He backs up a bit and bumps an old accord. She was right behind him he said. Black lady jumps out taking pics. She gets Spencer Calahan. 48k
And these idiot judges and lawyers want to raise the limit for a non jury trial to $100k so they can make even more money off louisiana drivers.
frick them and the dip shits that think they deserve money b/c they got bumped from behind.
----
Ur too low: $$$ got 2 stories within the last year.
Friend bumps taxi cab in BTR. Black lady is picked up and leaves note saying she was there. Cop shows up. Can't even find a scratch on the car to file a report. Lady gets lawyer (Debossier) Paid out 248k, taxi driver 46k. His insurance company said they were scared to fight it.
In a bit of irony and karma. Same lady gets smoked by a car (not killed) walking across Florida Blvd and couldn't sue the driver who had no Ins.
Another friend is in Baker trying to leave station. One car won't let him in traffic. He backs up a bit and bumps an old accord. She was right behind him he said. Black lady jumps out taking pics. She gets Spencer Calahan. 48k
This post was edited on 8/8/17 at 12:51 pm
Posted on 8/9/17 at 3:04 pm to SuperSaint
quote:
and straight up told me it's they thh states insurance commissioner is in bed with insurance companies
so its the commissioner's fault cause he's in bed with the auto (very few by the way) insurance companies? How so might i ask? And the insurance commissioner regulates the auto industry can only file rate increase filings once a year by the way (which is a deterrent to companies who want to file rate increases at will when needed). Your sister sounds like an idiot and probably works for a bucket shop a-hole agency.
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