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Posted on 8/11/14 at 7:41 pm to Artie Rome
quote:
ETA: I see you are now throwing disability in. Care to add anything else? Trust fund from your rich uncle maybe?
Posted on 8/11/14 at 7:44 pm to Artie Rome
So you agree I don't need uninsured motorist
Posted on 8/11/14 at 7:46 pm to yellowfin
nope
Posted on 8/11/14 at 7:47 pm to Neauxla
So I need to carry insurance for pain and suffering?
Posted on 8/11/14 at 7:48 pm to yellowfin
You need to carry it to cover yourself every way possible.
liability insurance
UM insurance
Umbrella insurance
Health insurance
Disability insurance
life insurance
liability insurance
UM insurance
Umbrella insurance
Health insurance
Disability insurance
life insurance
Posted on 8/11/14 at 7:49 pm to yellowfin
I am fine with you not having UM. Nobody needs UM. Nobody needs a nice truck. Nobody needs a faithful wife.
I will continue to carry UM.
I will continue to carry UM.
Posted on 8/11/14 at 7:51 pm to Neauxla
I just think UM is doubling up on things that I already have covered
Eta: I spend a ton of money on insurance already
Eta: I spend a ton of money on insurance already
This post was edited on 8/11/14 at 7:52 pm
Posted on 8/11/14 at 7:55 pm to yellowfin
Does your disability pay loss of earning capacity? Does it pay lost income for the rest of your potential work life? I don't know. I'm asking. And I understand your mindset regarding pain and suffering. But when you're shitting in a bag drooling on yourself and your old lady is wheeling you around you might sing a different tune. Your wife definitely will.
Posted on 8/11/14 at 7:56 pm to yellowfin
quote:UM coverage is cheap. You are paying for collision which isn't much less. Why not pay a little more and have better coverage?
I just think UM is doubling up on things that I already have covered
Posted on 8/11/14 at 7:58 pm to Artie Rome
quote:Pretty sure it does.
Health insurance and collision won't pay loss of earnings or pain and suffering.
EDIT: Sorry, I misread and thought you were saying UM doesn't.
This post was edited on 8/11/14 at 8:00 pm
Posted on 8/11/14 at 8:00 pm to yellowfin
Your disability policy won't pay shite to your widow for your loss of support. UM will.
We've had this discussion before. I do hope you aren't in a position to need it and not have it.
We've had this discussion before. I do hope you aren't in a position to need it and not have it.
Posted on 8/11/14 at 8:02 pm to Artie Rome
quote:
Does your disability pay loss of earning capacity? Does it pay lost income for the rest of your potential work life?
Yes and yes
That pretty much the definition of disability
quote:
And I understand your mindset regarding pain and suffering. But when you're shitting in a bag drooling on yourself and your old lady is wheeling you around you might sing a different tune. Your wife definitely will.
If I'm that bad off a UM policy isn't going to make much difference. They can pull the plug and collect on my life insurance.
Posted on 8/11/14 at 8:08 pm to yellowfin
quote:
That pretty much the definition of disability
No it isn't. Most disability policies pay a fraction of your earnings for a relatively short period of time.
Posted on 8/11/14 at 8:10 pm to brbengalgal
quote:
I do have full coverage and a very small amount of uninsured motorist but it looks like I will need surgery and rehab and I am concerned.
You're fricked! Really!
Been thru that crap and it sucks the very very big one. You might have a chance if the father didn't pull the plate.
You will need a lawyer for sure. Sucks one way or another though.
Posted on 8/11/14 at 8:10 pm to Artie Rome
Ok
Posted on 8/11/14 at 8:13 pm to brbengalgal
quote:
but I think
Stop thinking and take the advise people here gave you.
Posted on 8/11/14 at 8:15 pm to yellowfin
quote:I have a will stating not to keep me alive on machines.
They can pull the plug
quote:Now that's something I DO NOT carry.
and collect on my life insurance.
Posted on 8/11/14 at 8:18 pm to Geauxtiga
Mrs fin will become very wealthy quick if I die tomorrow
Posted on 8/11/14 at 8:23 pm to yellowfin
quote:
Mrs fin will become very wealthy quick if I die tomorrow
Life insurance policies in any substantial numbers are very expensive. So your decision to have a huge life policy and no UM tells me you are rejecting UM out of some sort of statement. It's not an economic decision for you.
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