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

Cause it’s a huge scam

It’s like all the extra fees on buying a vehicle or paying the energy bill

so you can get full coverage but if you really want full coverage you have to have this addon.

You’re going to wish you had it when an illegal fricks your world up

You can waive UM if you wish.

But, considering that most people with "full coverage" are rolling with minimum limits, have fun with that.

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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.

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Umm, no.

Part of UM confusion is the damn name. Kind of like the Inflation Reduction Act. People who have UM often think it covers any damages or liability from an uninsured motorist, which is false.

ETA- after re-reading, I see you only specified injuries for UM, which is accurate. My bad.

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My aunt got t-boned by a drunk illegal

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You need to know more about insurance coverages.

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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

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I disagree, I think the general sentiment is that the republicans have proven to be feckless losers that have at best, done very little to stop the spending and general madness of the left, and at worst are self serving members of the uniparty that freely make themselves richer on the us taxpayer dime. The type of candidate is changing because of this.

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

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This part isn’t really true though. They certainly haven’t helped, and the fact that they couldn’t get any sort of replacement for Obamacare in place after years of public bitching highlights their feckless nature, but I’m not sure what you mean that they stripped anyone of healthcare access.

Neither party has done a damn thing to control the runaway cost of the care itself. Health insurance is a joke, and it’s not healthcare. Doctors and hospital admins have been pushing expensive care and hiding behind the shield of insurance for far too long. Hospitals have consolidated and they shuffle people around these campuses that have zero idea how much their bill will be when they leave, despite having insurance. Services were coded wrong? Unclear test results? Overcharged? Good luck disputing it, and good luck talking to the guy that performed the service and asking him to justify the cost. But the taxpayer who rarely visits the doctor foots the bill for the least healthy people that are satisfied spending their entire day going to these appointments, getting hooked up to expensive machines and picking up prescriptions. Completely broken system.

And finally to the OP, UM is you simply paying for the fact that you have more to lose that the people you are covering. It’s not a money grab, just an unbalanced cost share much like American healthcare.

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So does my health insurance. So why would I pay twice for health insurance?

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Health insurance does not cover general damages or lost wages if you can't work.

Insurance is a scam.