[retiredguy123]

Originally Posted by Waverunner

Again, it is hard to believe that a GEICO representative would recommend this for any reason other than premium savings. Uninsured Motorists/Underinsured Motorists coverage is for YOU. To pay YOU in case the at fault party is uninsured or under insured. Florida doesn't even require automobile owners to carry any Bodily Injury liability. Further, look at the statistics of how many, what percentage, of drivers are driving on the roads of Florida with no insurance. It is one of the reasons that this coverage can be more expensive in FL.

When you check into the hospital, they will ask two important questions. One related to if your injury is work related (i.e. covered by workers' compensation) and second if your injury is related to an automobile accident (i.e. covered by automobile insurance). If the answer is "Yes" to either, you could be triggering the "Other Insurance" clause of a policy. Meaning if there is other insurance to pay for the injury OR should have been other insurance to pay for the injury, that, in this case, your health insurance policy might not be the first to respond...and may not pay or may wait to pay until all other insurance policies that are applicable have been (investigated) and exhausted. When you drop the UI/UIM coverage, you sign a rejection of coverage. Does that/can that impact your health insurance?

Please don't take the OP advice until you have all the answers to these questions. My opinion is buy it and buy as much of it as you can. It is coverage to protect YOU!

P.S. Golf Cart insurance coverage is not standard. Many policies do not cover UI/UIM coverage whatsoever. Even if you cover your cart under your auto policy. You need to check your policy.

P.P.S. Many Umbrella Liability policies don't cover over Uninsured Motorists / Underinsured Motorists Coverage. They can though. If they do, they will require that you carry the high underlying limits threshold. If it is offered as an option under an Umbrella Liability policy, the additional premium is usually small.

I have never heard of a health insurance policy that would not cover injuries related to an automobile accident. The only thing an uninsured motorist claim will cover is for a passenger who does not have health insurance, or if you want to try to get money for pain and suffering. If you don't care about these things, then you don't need uninsured motorist insurance.