uninsured auto insurance

[duckwingduck]

I am wondering if it's worth it.  I read somewhere that it is not.  You are going against your insurance when your insurance have to pay you and they will try to not pay you if possible.  So, what is what?

[theking]

I am wondering if it's worth it.  I read somewhere that it is not.  You are going against your insurance when your insurance have to pay you and they will try to not pay you if possible.  So, what is what?

"uninsured" coverage just means that. If you are involved in an accident and the at fault party has no insurance, your insurance company will pick up the tab.

As far as is it "worth it"...that just depends on you...

[FetishDream]

We might think that these days, everyone needs coverage to drive or go to court if they caught by a cop without having auto insurance.

We still see cases of uninsured people at fault other people and getting a slap on the wrist while you are stuck with the headache of fixing your own car since you do not have uninsured motorist coverage.  You then sue the other at party fault but if they are broke and ghetto with no job, how can you get your money?

You pay insurance to protect yourself so you will have to answer to how much coverage do you need and can you even afford that extra is also a part of the equation as well. 

Like if you own a house and you only buy min liability for being cheap and you are at fault and your insurance only pays the maximum amount to the other side and so they can sue you for the difference and since you own a house, they will go after your house. 

[duckwingduck]

We might think that these days, everyone needs coverage to drive or go to court if they caught by a cop without having auto insurance.

We still see cases of uninsured people at fault other people and getting a slap on the wrist while you are stuck with the headache of fixing your own car since you do not have uninsured motorist coverage.  You then sue the other at party fault but if they are broke and ghetto with no job, how can you get your money?

You pay insurance to protect yourself so you will have to answer to how much coverage do you need and can you even afford that extra is also a part of the equation as well. 

Like if you own a house and you only buy min liability for being cheap and you are at fault and your insurance only pays the maximum amount to the other side and so they can sue you for the difference and since you own a house, they will go after your house.

Why doesn't your insurance  company sue the uninsured guy?

[FetishDream]

Why doesn't your insurance  company sue the uninsured guy?

I suppose they could but you wouldn't see a penny of it if they are broke. 

My cousin case was one.  His deductible was 1K.  His insurance told him to pay 1K to fix his car and when they are successful in suing the ghetto kaydoo chick that rammed him, he will get his 1K back.  This was 2 years ago and nothing from the insurance company yet. 

[theking]

Why doesn't your insurance  company sue the uninsured guy?

I don't think they sue but some insurance companies do put the other party in collection in hopes of recouping something back...

[Envy2]

Why doesn't your insurance  company sue the uninsured guy?

You have to remember you can't take money from broke people. Try suing a broke person and see how that ends up. Only people with $$ need insurance to protect their assets!

[Sleipnir]

Like most people said, it protects you if you get into a collision with an uninsured/underinsured motorist and you are not at fault.

I'm not quite sure why you even have to question getting it...  just get it!!!!  It is so cheap compared to other optional coverages you opt in...  it makes up a small portion of your bill...

I just paid my insurance on my 13 Tundra and 07 Accord....  and the total bill for full comprehensive and collision, roadside assistance, bodily, etc.. is $515.60 for 6 months...  and uninsured motorist ($11.70) and underinsured ($15.30).

Think about that story about the ghetto kaydoo person who hit their relative...  if that was you and it was more than just a big dent in your bumper...  and you and your kids were seriously hurt...  and the other motorist didn't have insurance...  Your insurance won't pay all your medical bills short term and long term...  you gonna sue a broke kaydoo person to pay for your hospital bills?

[duckwingduck]

I read somewhere that your company makes it hard for you to collect uninsuranced insurance benefits.  Your insurance become your enemy when you got hit by an uninsured driver.

[Sleipnir]

I read somewhere that your company makes it hard for you to collect uninsuranced insurance benefits.  Your insurance become your enemy when you got hit by an uninsured driver.

That's when you call 1-800-411-PAIN!!!!

Do not make an agreements with the insurance company, or say anything over the phone (recorded).  Talk to a personal injury lawyer first.

[SummerBerry]

I suppose they could but you wouldn't see a penny of it if they are broke. 

My cousin case was one.  His deductible was 1K.  His insurance told him to pay 1K to fix his car and when they are successful in suing the ghetto kaydoo chick that rammed him, he will get his 1K back.  This was 2 years ago and nothing from the insurance company yet.

Ghetto Kaydoo and Mev barely have insurance on their car so if you're in a situation with them then its hard to see a penny. 

My daughter case that we settled last week for the final time.  We did agreed back in October 2015 but our lawyer told us we can keep asking Blue Cross to lower their portion.  Blue Cross want 17k and State Farm 5k.

Final Settlement is 100k liability

100k

-25% for lawyer which is 25k

- 7k Blue Cross

-$600 for lawyer for filing fees, copies, stamps, etc.

-4k in reserved trust

The rest is daughter but she's not 18 so husband will get the check and deposit in the bank in her name.