| retiredguy123 |
07-24-2022 11:49 AM |
Quote:
Originally Posted by bimmertl
(Post 2118549)
You don't have to "sue anybody" to get uninsured motorist coverage benefits. Your UM carrier pays you and if needed they sue the adverse driver.
You could have injuries that preclude you from continuing your normal activities such as golf, pickle ball, dancing etc. UM would at least give you some compensation for such injuries.
Ask the families of these two people, who were killed just walking into Winn Dixie, if they
think Underinsured Coverage would be worthwhile? No way the at fault driver had limits adequate to to compensate those entitled to make a wrongful claim for the deaths of a husband and wife.
In the wake of a crash that claimed the lives of a couple at Winn-Dixie, Canadian snowbirds were handed fighting tickets.
|
If your insurance company denies your claim, won't you need to sue them, and maybe prove that the uninsured motorist was at fault, and that you are disabled? Also, it looks like you may only be able to buy up $100K per person of UM coverage for a reasonable cost, and a lot of that money would be used for medical bills, which would be redundant with your own health insurance. I suspect that most people probably have less UM coverage than that. I'm not an expert in this area, so please correct me if I am wrong. But, I am not convinced that I should buy UM insurance. For $100K, a lot of retirees could self insure for an unlikely UM claim, especially if they have good health insurance. |
