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cubsfan5150
US Air Force Fan
Member since Nov 2007
13587 posts
 Online 

Why do we pay for uninsured/underinsured motorist when we already have full coverage?

Is this basically a forced money grab? I fricking hate it.


Obtuse1
Wofford Fan
Westside Bodymore Yo
Member since Sep 2016
19056 posts
 Online 

PI vs PD


Plus there is no such thing as "full coverage".


AmosMosesAndTwins
New Orleans Saints Fan
Lake Charles
Member since Apr 2010
17506 posts

quote:

Plus there is no such thing as "full coverage".


You’ve never seen my wife’s pajamas.


DarkDrifter
LSU Fan
Louisiana
Member since Aug 2011
1987 posts

Well for starters uninsured motorist coverage can be used to cover a policyholder’s medical expenses.. can't get that with collision alone.. Plus UM isn't typically an overly expensive add to a policy.

Also, your definition of full coverage doesn't mean the same to everyone..
This post was edited on 8/10 at 12:35 am


momentoftruth87
Arkansas Fan
Member since Oct 2013
51015 posts

So you get 5gd rather than nothing.
This post was edited on 8/10 at 12:56 am


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TigerGman
LSU Fan
Center of the Universe
Member since Sep 2006
10300 posts

quote:

Is this basically a forced money grab? I fricking hate it.


Maybe if you had a clue what it was for you 'd stop hating it and gladly pay for it.


JudgeHolden
LSU Fan
Gila River
Member since Jan 2008
16600 posts

If you have disability and health insurance, the only thing it covers is your pain and suffering.


Tigerlaff
LSU Fan
Member since Jan 2010
19269 posts
 Online 

Because you can't squeeze blood from a stone.


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120
WaterLink
LSU Fan
Baton Rouge
Member since Sep 2015
10613 posts
 Online 

It's not required in Louisiana so feel free to get your agent to remove it


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183
DeltaFishTiger
LSU Fan
Member since Jun 2022
301 posts

No one forced you to carry UM but it’s very useful for when an irresponsible dickhead either without insurance or carrying the minimum hits you. If you don’t want it then don’t get it. It’s well worth a few bucks a month if you need it though. It’s astounding how little people know about insurance.


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316
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USA
Member since 2001
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stelly1025
LSU Fan
Lafayette
Member since May 2012
7279 posts

Don't get caught without it in Louisiana. My aunt got t-boned by a drunk illegal and didn't have uninsured motorist and the hell she had to go through was bad.


magildachunks
Member since Oct 2006
31394 posts
 Online 

Why do we pay for Congress to have the best Medical Insurance that is fully covered for everything imaginable, but tell someone working two jobs to make ends meet that they are shite out of luck when it comes to medical care?


The world is a shitty place run by shitty beings who we allow to not only have a privileged life on our dime, but also allow to make their lives even more privileged because we can't be bothered to pay attention to what they are doing and put a stop to it.


For as much shite that the dems get ( and rightly so) too many on this board are so ate up with team politics to realise that the last time the Republicans were in power, they raised their pay and gave themselves better healthcare while stripping the ability (as shitty as that ability was) of working class folk to get any sort of healthcare.



Stlsport
Shreveport
Member since Oct 2007
997 posts

You'll be very happy you are paying for it when you get hit by someone with no insurance. I think the last numbers I read showed 25% of driver's in Louisiana don't carry liability coverage and in NOLA the number was 40 some odd %.
This post was edited on 8/10 at 4:26 am


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111
DevilDagNS
Member since Dec 2017
2203 posts

quote:

Why do we pay for uninsured/underinsured motorist when we already have full coverage?


We really are a state of idiots.


Oilfieldbiology
LSU Fan
Member since Nov 2016
31680 posts

quote:

For as much shite that the dems get ( and rightly so) too many on this board are so ate up with team politics to realise that the last time the Republicans were in power, they raised their pay and gave themselves better healthcare


Absolutely ridiculous and I believe was roundly criticized by everyone.

quote:

while stripping the ability (as shitty as that ability was) of working class folk to get any sort of healthcare.


How? I don’t remember this.


TigerGman
LSU Fan
Center of the Universe
Member since Sep 2006
10300 posts

quote:

We really are a state of idiots.



???

"Full coverage" has nothing to do with UM. They each do totally different things. Most people don't have nearly enough of both.

FUll covearge pays for injuries YOU cause if you are at fault.

UM covers YOU if the other idiot has no or not enough insurance to cover YOUR injuries.
This post was edited on 8/10 at 5:17 am


cssamerican
Member since Mar 2011
6468 posts

A better question is if you have $200,000 worth of contents coverage in your homeowners policy and your house burns down to the slab. You have to prove at that point you had $200,000 worth of items that burned. Yet, you don’t have to prove anything to pay for that coverage for 20 years. They will gladly let you overpay for coverage that you will never be able to collect in a total loss situation.


kciDAtaE
Member since Apr 2017
12640 posts

Mine also covers unlimited rental car expense


TigrrrDad
Member since Oct 2016
6265 posts
 Online 

It must vary from company to company. My son just got new insurance and you can’t have both collision (or comprehensive - I forget which one) and also have uninsured motorist because it’s redundant coverage. Whereas he had both when he was on my policy through a different company.


ELT
LSU Fan
Member since Nov 2012
191 posts

That’s bc insurance and most insurance agents is/are a money grab. Once again, as we see everyday in Washington, lawyers screwed things up for everyone


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