Quote:
Originally Posted by retiredguy123
Thanks for the PIP explanation. But, I still don't think I need uninsured motorist insurance. I don't have any wages, and I am not going to sue anyone for pain and suffering or disability payments. Regarding a lifetime of disability issues, I doubt that most people have nearly enough uninsured motorist coverage to pay for what that would cost. I think many people have the uninsured motorist coverage because they moved here from a state where it was mandatory, and they have no idea what they are paying for. They would be better off using the UM premium money to buy additional liability coverage.
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You don't have to "sue anybody" to get uninsured motorist coverage benefits. Your UM carrier pays you and if needed they sue the adverse driver.
You could have injuries that preclude you from continuing your normal activities such as golf, pickle ball, dancing etc. UM would at least give you some compensation for such injuries.
Ask the families of these two people, who were killed just walking into Winn Dixie, if they
think Underinsured Coverage would be worthwhile? No way the at fault driver had limits adequate to to compensate those entitled to make a wrongful claim for the deaths of a husband and wife.
In the wake of a crash that claimed the lives of a couple at Winn-Dixie, Canadian snowbirds were handed fighting tickets.