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Posted on 1/19/17 at 2:17 pm to LSUsmartass
Had 2 relatives that were recently hit by other drivers (other driver at fault). One had minimum 15K coverage, and one was uninsured. Trust me, you NEED uninsured motorist coverage.
Posted on 1/19/17 at 2:36 pm to AlxTgr
quote:
How are the online companies dealing with selection/rejection forms?
Not sure why I got downvotes, but to answer your question: They are standing by them, making us jump through a bunch of hoops to prove the insured meaningfully rejected UM. Insureds never recall doing so. It is a mess.
Posted on 1/19/17 at 2:39 pm to Motorboat
Is there a real paper form? I just haven't encountered it at all.
Posted on 1/19/17 at 2:42 pm to AlxTgr
No. It's a selection screen on the computer. Prints out applicant's choice on paper at some point (probably when i request it). Digital signature act applies if it was done knowingly.
Posted on 1/19/17 at 2:43 pm to Tiger Prawn
I have a 250/500/250 with 300/300 UM coverage, with a $2M umbrella and $1M UM umbrella. shite's real out there ya'll, don't get caught slipping.
Posted on 1/19/17 at 2:46 pm to Motorboat
At the end of the day, you NEED uninsured motorist coverage. A $15k policy (LA minimum) isn't going to do shite for you if you are injured. If you don't have UM, you are fricked and will go into debt because a broke dick injured you. Don't be a broke dick too.
Posted on 1/19/17 at 2:51 pm to T Blair
Preaching to the choir, brah. 
Posted on 1/19/17 at 2:58 pm to T Blair
quote:How did you get higher UM?
I have a 250/500/250 with 300/300 UM coverage
Posted on 1/19/17 at 3:11 pm to CaptainsWafer
So long story short....
We used it this year. My wife's medical insurance covered the bill, and State Farm reimbursed us for the TOTAL hospital amount not our co-pay. They then reported it to our health insurance. We then paid the difference to the health insurance.
We used it this year. My wife's medical insurance covered the bill, and State Farm reimbursed us for the TOTAL hospital amount not our co-pay. They then reported it to our health insurance. We then paid the difference to the health insurance.
Posted on 1/19/17 at 3:35 pm to AlxTgr
quote:
How did you get higher UM?
Hanover. Almost 100% sure those are my policy limits.
Posted on 1/19/17 at 3:38 pm to TheDeathValley
I am very impressed with the lack of wrong information contained in this thread. Usually, the alpha idiot runs out the knowledgeable folks, with information about a similar incident with his 3rd cousin.
Thanks, ot.
Thanks, ot.
Posted on 1/19/17 at 3:39 pm to LSUsmartass
quote:
The way I understand it, this pays for your medical bills if you're hit by an uninsured motorist. But what if you have excellent health insurance? Is it redundant to carry 50/100 in uninsured motorist bodily injury if you have great medical insurance? I know I am ignorant in this, this is why I'm asking.
UM pays for pain and suffering and lost wages as well (unless you're an idiot and select economic only)
Posted on 1/19/17 at 3:45 pm to Motorboat
quote:We just won a MSJ when the insured didn't actually see the UM waiver form. clicking the little bubble didn't qualify as knowingly rejecting. just sayin
No. It's a selection screen on the computer. Prints out applicant's choice on paper at some point (probably when i request it). Digital signature act applies if it was done knowingly.
Posted on 1/19/17 at 3:46 pm to T Blair
quote:How do you have UM limits higher than liability limits?
I have a 250/500/250 with 300/300 UM coverage, with a $2M umbrella and $1M UM umbrella. shite's real out there ya'll, don't get caught slipping.
Posted on 1/19/17 at 4:02 pm to Neauxla
quote:
We just won a MSJ when the insured didn't actually see the UM waiver form. clicking the little bubble didn't qualify as knowingly rejecting. just sayin
nice work. How big of a policy? The black hats don't want to take that one up just in case.
Posted on 1/19/17 at 4:03 pm to T Blair
quote:I don't think it's possible to get higher UM than your BI liability limits.
Hanover. Almost 100% sure those are my policy limits.
Posted on 1/19/17 at 4:05 pm to Motorboat
quote:What is that?
The black hats
Posted on 1/19/17 at 4:10 pm to LSUsmartass
its a good buy considering how many uninsured people you have in this state. Plus a lot of doctors run away when they hear you have been in an accident.
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