[retiredguy123]

Originally Posted by bimmertl

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.

[bimmertl]

Originally Posted by retiredguy123

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.

You are wrong and you are not an expert!

Good luck!

[GatorFan]

Originally Posted by Michael G.

I for one don't like the no-fault car accident state.
Some drunk can be at fault in 3 accidents in a month, and it's totally not his fault.

As for insurance coverage, get as much as you can afford.

No fault is $10,000 coverage. It pays medical expenses, loss wages and funeral benefit.

Anything over than amount is paid by the BI of at fault driver. No fault was passed so that injured people could get treated and not have a huge medical bill. Health insurance back then was optional and most could not afford. (1972)

[ohioshooter]

Originally Posted by Babubhat

What about Joe Willie Medicare plans?

Every time that one appears I want to . I’m sick of seeing it.

[retiredguy123]

Does anyone think that auto insurance premiums are a good deal? I don't. That is why I only pay for what is required by law and what I need to protect myself against a huge financial lawsuit. Anything beyond that is not worth buying.