Quote:
Originally Posted by retiredguy123
I would just correct something about what your agent said. Your car is already covered by your collision and comprehensive coverage. As far as mental anguish and "pain and suffering", if you want coverage for these, you better buy several millions in UM coverage because you will need a good lawyer to sue your insurance company and collect on it. If you only buy $100K to $200K, like most people do, a good lawyer would not even take the case.
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Thanks...yeah. I think at some point I was confused about the car also and threw that in there. I kinda knew that. Just felt really dopey I insisted on the coverage. Big win for the hubs on this one, but I'm a fairly graceful loser!!
Truthfully, I'm a little annoyed with Villages Insurance that they never mentioned this. We are all pretty much retirees here and that little factoid (not needing it) would have been interesting. I hate jumping around every year, but I have asked them about lowering it annually. They told us Hyundai's (we have 2) were a big theft risk. That was actually true for a bit, but....This agent was a mail troller my hubs called and I am actually gonna change it to him. The Villages had more than a few years to tell me this. Thanks for weighing in.