Originally Posted by NachoMama (Post 2328156)

If I had to sue the insurance company (I would be suing the insurance company, not myself) I would much rather get 70% of $300,000 - which would be a net $210,000 - than to have chosen ahead of time to get ZERO.

My auto agent can tell dozens of stories about people who were in accidents, and the claim adjusters paid them a fair amount from the uninsured motorist coverage without the need to involve lawyers..

Originally Posted by retiredguy123 (Post 2327931)

I have excellent health insurance to pay for my medical bills and rehab. Why should I pay for redundant coverage?

Originally Posted by retiredguy123 (Post 2327649)

I have read and I fully understand what uninsured motorist insurance covers and what it does not cover. It is mostly, but not completely, redundant with my health insurance. In my situation, I would never file a claim for this insurance, so, to me, it would be a waste of money. For the expenses that it covers, I can afford to self insure. So, I choose to not pay for it and save a few hundred dollars. I would suggest that everyone research and understand what you are paying for because most people I have discussed this with do not understand the coverage. Good luck.

Originally Posted by Marine1974 (Post 2328328)

The healthcare facilities ask is this injury the result of an automobile accident or work related injury. There is a reason they ask this . Why would your health insurer pay for your injury when another party is at fault?

Originally Posted by Marine1974 (Post 2328348)

My premium is $59 yearly , $100,000/$200,000 , to protect me and my passengers
from a UM or UIM . Again why do healthcare facilities ask is this a result of an automobile accident or work related injury. There is a legal reason why . You wouldn’t want to lie . The healthcare facility wants to insure they will be paid .

Originally Posted by retiredguy123 (Post 2328350)

They ask so they can attach a lien on any UM payouts, and, sometimes, they are required to actually get approval to treat you if you have UM coverage. But, if you don't have UM coverage, your health insurance is required to pay for your treatment. Health insurance coverage has nothing to do with who was at fault. Why should they pay to treat a person who is 100 pounds overweight, eats at McDonald's every day, and smokes cigarettes?

Originally Posted by bimmertl (Post 2328440)

They ask those questions to know if auto PIP applies or workers comp applies. Every auto policy issued in Florida is required to have 10K in first party med bills coverage (PIP). It's primary coverage ahead of Medicare and so is workers comp coverage.

Health care providers have no clue who is at fault in accident let alone if the at fault driver has any insurance. Heck, they don't even know if the patient has any health care insurance.

They need approval to treat a patient if he has UM coverage? You can't possibly believe that.