Quote:
Originally Posted by retiredguy123
Sorry, but I don't agree. Most people don't have enough uninsured motorist coverage to pay for the things you mentioned, or to get a good lawyer to take your case. In most cases, the uninsured motorist coverage would be wiped out paying for the medical bills when you already have medical insurance to cover your bills. It's redundant. For pain and suffering, you would need to sue your own insurance company, which I would never do. I have plenty of medical coverage to pay for my own medical bills, and that is all I need. What is the point of paying for insurance that I would never use?
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Uninsured motorist coverage is not a primary payer for med bills, Medicare or health insurance is. There is no legal requirement for UM to pay for med bills and Medicare can not pursue payment for med bills from UM coverage. Apparently your theory is Medicare pays and UM pays the med bills, really?
You don't have to "sue" your insurance company to get UM benefits just as you don't have to sue them to get damage to your car paid for.
Worse case scenario, you get killed by a UM. Few med bills. Happy recovering nothing?
Good luck!