Quote:
Originally Posted by kingofbeer
Who is going to pay your deductibles when you go the hospital and doctor ?
What if you are not able to walk or take care of yourself any longer ? Who is going to pay for that ?
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If you have high deductibles, then you may want to buy UM insurance. But, I wouldn't buy insurance to cover my deductibles, which are fairly low.
If you can't walk or take care of yourself, you better have a very high limit on your UM coverage and a good lawyer. Most people who have UM insurance, don't have enough coverage to be very useful at paying for those expenses. Your insurance company will only pay up to the limit of coverage, and the lawyer will get a large percentage of that. Also, the amount you receive may be reduced by the medical expenses that were used even if you had good health insurance, because your health insurance provider may sue your auto insurance company for reimbursement of what they paid.