re: State Farm is mandating a "Multicar policy" on my family

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nothing like speaking in absolutely wild absolutes. Definitely not the case in FL

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. well that's because Florida is a no fault state.

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If you injure someone and medical expenses are 50-100k? Who’s paying for those excess damages? Your policy is paying the limit and that’s it. We haven’t even gotten to their vehicle yet.

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I would be personally responsible for those costs, I realize. There are a lot of things I could be personally liable for. I don't try to pre-arrange payment for every one of those things. That's no way to live your life.

Let me draw an analogy: suppose you're buying a new refrigerator. It's new, so it's probably going to break. You will be offered an extended warranty and in some sense it will make sense to get it.

I have learned over the years that it doesn't make sense for me to buy extended warranties, though. Those people don't just pay out claims because you asked, or come over and fix your appliance. No, you will have to talk to a guy in India, who will look for any reason to deny your claim before (you hope) transferring you to another guy in the Philippines who will direct you to their nearest service center in McComb, MS... or something like that. I would rather just fix the damn thing with my own money.

Similarly, a lot of people bought "concealed carry" insurance without realizing how inherently problematic that is. If you have the armed state accusing you of misusing a weapon, that's a really good excuse for the insurer to say, "you acted illegally and we don't sell crime insurance." Of course, you kind of thought that was the whole point of what you bought... oh well. This has happened to multiple people, BTW.

Is the idea of insuring against your own criminally negligent driving similarly impractical? It's hard for me to imagine where you'd do tens or hundreds of thousands of dollars in damages with a car without being criminally negligent. I don't know, though, and that's kind of the point here: I don't need to know that answer to that (which I doubt is written down in black-and-white anywhere). I win because I'm not wasting money on something of dubious value.

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full coverage.

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There is no definition for this. In some cases, it is everythig you can get. In other cases, it is the bare minimum liability only policy. Insurers use this term to make people think they are getting more insurance than what they are getting.

Shouold have been addressed in the tort reform legislation but insurers didn't give up anything.

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It's hard for me to imagine where you'd do tens or hundreds of thousands of dollars in damages with a car without being criminally negligent.

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Well it happens all day every day.

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I don't try to pre-arrange payment for every one of those things. That's no way to live your life.

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That’s the entire point of insurance, is it not? If you’re planning for a strong financial future and you can protect against your assets being raided by an attorney, I’m not sure that’s a bad way to live your life.

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It's hard for me to imagine where you'd do tens or hundreds of thousands of dollars in damages with a car without being criminally negligent

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it doesn’t take much to total a high end car especially with mixed parts availability. The hood on some newer 911s is $40k by itself but you do you.

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You want me to show you some claims? The only no fault in play in FL is PIP

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You're saying the same thing as me just a different way. Florida is indeed a no fault state. They only require PIP coverage.

Louisiana requires Liability coverage. And comp and collision if you are paying a note. These 3 things are the money makers for auto insurers in Louisiana. The other coverages are not.

PIP is what we call medical payments coverage in Louisiana. Well PIP also pays lost wages, which medpay does not.

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Possibly, but progressive will 100% deny any driver not in the hh
that's not true.

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It's not totally true, but lately Progressive has been investigating the shite out of non listed drivers, which delays claims significantly.

We have the opposite problem...they won't let us insure our 6 cars under the same policy. Allstate. Wont insure my 3500HD truck at all.

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If you are the at fault party and my PIP and med pay ( if they chose that cov) is exhausted, your bodily injury is paying my bill. If you don’t have enough or any, my UM coverage would kick in and then you’d be sued for the remainder.

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again, what I am saying is that Florida does not require bodily injury liability coverage.

I feel your pain.

Title the cars in the kid’s name and have them get their own insurance policy.

My 19 year old was lumped in with my vehicle and doubling my policy.

Edit - after reading OP again, I have no idea what they are talking about. If this is not related to total bill costs then it seems like a trivial complaint.