Quote:
Originally Posted by retiredguy123
I suspect that most of the approved UM claims are for medical treatment for people under 65 who do not have adequate health insurance. So, if you have excellent health insurance, the UM premium would mostly be used to subsidize people who don't. In my opinion, that is not a good deal.
My insurance agent admitted to me that, in order to be paid for "pain and suffering" or a long term illiness, I would need to hire a lawyer and sue the insurance company. Also, not a good deal because the lawyer would take 30 to 40 percent of any settlement as a fee. That is why I self insure.
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That does not make any sense at all. Why should you pay any of your medical expenses or rehab when the uninsured motorist caused the damages ? If the other driver is at fault, they would be held responsible.
Who Pays Medical Bills After A Florida Car Accident? | The Florida Law Group