Originally Posted by Waverunner (Post 1455148)

Again, it is hard to believe that a GEICO representative would recommend this for any reason other than premium savings. Uninsured Motorists/Underinsured Motorists coverage is for YOU. To pay YOU in case the at fault party is uninsured or under insured. Florida doesn't even require automobile owners to carry any Bodily Injury liability. Further, look at the statistics of how many, what percentage, of drivers are driving on the roads of Florida with no insurance. It is one of the reasons that this coverage can be more expensive in FL.

When you check into the hospital, they will ask two important questions. One related to if your injury is work related (i.e. covered by workers' compensation) and second if your injury is related to an automobile accident (i.e. covered by automobile insurance). If the answer is "Yes" to either, you could be triggering the "Other Insurance" clause of a policy. Meaning if there is other insurance to pay for the injury OR should have been other insurance to pay for the injury, that, in this case, your health insurance policy might not be the first to respond...and may not pay or may wait to pay until all other insurance policies that are applicable have been (investigated) and exhausted. When you drop the UI/UIM coverage, you sign a rejection of coverage. Does that/can that impact your health insurance?

Please don't take the OP advice until you have all the answers to these questions. My opinion is buy it and buy as much of it as you can. It is coverage to protect YOU!

P.S. Golf Cart insurance coverage is not standard. Many policies do not cover UI/UIM coverage whatsoever. Even if you cover your cart under your auto policy. You need to check your policy.

P.P.S. Many Umbrella Liability policies don't cover over Uninsured Motorists / Underinsured Motorists Coverage. They can though. If they do, they will require that you carry the high underlying limits threshold. If it is offered as an option under an Umbrella Liability policy, the additional premium is usually small.

Originally Posted by Chatbrat (Post 1455164)

We don't have any heirs- when we pass everything goes to charity-not interested in building our estate--just protecting it

Originally Posted by Chatbrat (Post 1455164)

We don't have any heirs- when we pass everything goes to charity-not interested in building our estate--just protecting it

Originally Posted by Nucky (Post 1455180)

Just in case you change your my last name is Castellano.

Originally Posted by Wiotte (Post 1455189)

How was your steak ?
https://uploads.tapatalk-cdn.com/201...a591c1fd68.jpg


Sent from my iPhone using Tapatalk

Originally Posted by Nucky (Post 1455203)

We switched to Lobster. :mmmm: No Mo Steak, we never get to eat it. :mmmm:

Originally Posted by Waverunner (Post 1455200)

I am not inferring that your health insurance policy will not pay for coverage from an automobile injury, however, in the event of an auto accident injury, your health insurance is never primary insurance, but secondary insurance.

Read your own health insurance policy. Especially the clauses that are titled Coordination of Benefits (other insurance) and the Subrogation and Right of Reimbursement.

Coordination of Benefits is a limitation of coverage and/or benefits to be provided. It is designed to avoid duplication of payment for Covered Services and/or supplies.

An excerpt from my policy:

The following rules shall be used to establish the order in which benefits under the respective plans will be determined:
1. This plan always pays secondary to any medical payment, personal injury protection (PIP) coverage or no-fault coverage under any automobile policy available to you.

Subrogation and Right of Reimbursement states that if benefits are paid under the Contract for expenses incurred due to Third Party Injuries, then the insurer retains the right to repayment of the full cost of all benefits provided under the Contract on your behalf that are associated with the Third Party Injuries.

An excerpt from my policy:
We may recover the full cost of all benefits paid by us under this Contract without regard to any claim of fault on your part, whether by comparative negligence or otherwise. In the event you or your representative fails to cooperate with us, you shall be responsible for all benefits provided by us under this Contract in addition to costs and attorney’s fees incurred by us in obtaining repayment.

The bottom line is that your health insurance carrier does not want to be the first in line to pay for your auto accident injuries. You will have to do a lot of "cooperating" with them to help them get reimbursed by any at-fault third party. If you don't, they will stop paying and come back to you for 100% of the benefits they have paid under the health insurance plus their legal fees.

Having UM/UIM coverage under your automobile insurance transfers your rights and responsibility to go after the at-fault third party to your auto insurance carrier. UM/UIM covers all passengers in the car, including the driver.

It still remains a personal choice. My choice is to carry high UM/UIM limits under my auto policy. Make yours an informed choice.

Originally Posted by Allegiance (Post 1455406)

A related question. Let's say for 6 months you hardly drive your car and the other six months you drive a lot, up north, everywhere. How often can you reduce your coverages and then raise them again in one year?

Originally Posted by Chatbrat (Post 1455053)

We have a mega umbrella