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Originally Posted by bimmertl
For starters you don't have to sue the insurance company for UM benefits. Just as you don't have to sue them for collision benefits or any other first party coverage benefits.
So let's assume an 80 year old person has two broken legs and other assorted injuries caused by and uninsured motorist. Value clearly worth 100K or more. Call big Dan Newlin. He calls insurance carrier and gets 100k in about 1 hour and keeps $33,000. In such a case any individual can get the 100K with out Dan's "hard work"!
There is no amount too low for a plaintiff attorney to pass up! And everybody needs UM coverage.
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I appreciate your input. But, in a case of two broken legs and other injuries, wouldn't my health insurance company be first in line to collect that $100k for medical bills? In my case, I have an annual $6,000 catastrophic limit on my health insurance after which, I pay zero money out of pocket. That is the most I can ever pay for medical treatment in a year. So, how would I benefit from having $100k in UM coverage, most of which would go to my health insurance company for medical bills? There would be no money left over for a pain and suffering claim.