Quote:
Originally Posted by villagetinker
This is interesting discussion, however the few times that I got involved with an insurance claim I recall a question asking if this was a accident, form the context, it appeared if i answered yes, then the "accident insurance" came involved. I am by no means an expert or for that matter extremely knowledgeable in this area, but my limited understanding is that you may end up holding the bag if you do not have uninsured or under-insured coverage and are relying on your medicare and supplemental insurance.
Just my humble opinion.
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Yes, they definitely want to know if you have the uninsured motorist insurance, or "accident insurance", because they don't want to pay your claim. But, in Florida, it is optional, so, if you don't have it, then Medicare or other health insurance has to cover you. That is just another reason why I don't want accident insurance. Do you really want to depend on your auto insurance company to cover your medical treatment? But, that is what will happen if you buy uninsured motorist insurance. Medicare cannot deny your claim if you don't have accident insurance in Florida. You will not be left holding the bag. In some other states where uninsured motorist insurance is mandatory, you are violating the law to not have it, and, you could have a problem with your regular health insurance. But, not in Florida.