[Investment Painting Contractors]

How about a passenger in your car if its hit by an uninsured motorist? If they are hurt who pays for loss of limb, missing work, $35,000 flight for life trip to hospital etc. I'm just curious not trying to pick a fight. Len

[retiredguy123]

Originally Posted by Investment Painting Contractors

How about a passenger in your car if its hit by an uninsured motorist? If they are hurt who pays for loss of limb, missing work, $35,000 flight for life trip to hospital etc. I'm just curious not trying to pick a fight. Len

If you have uninsured motorist coverage, passengers are covered the same as the driver. But, hopefully, they also have health insurance, disability, etc. I think everyone should have health insurance, and, as far as I know, it is still required by Obamacare. But, if you want to cover your passengers, then you can buy the uninsured coverage. The OP didn't say how much coverage he/she would get for $450 per year, but I doubt that it would be enough to cover the items you mentioned. Also, if you are the driver and you cause the accident, then your liability insurance would cover the passenger. When you get into someone's car as a passenger, do you ask them if they have uninsured motorist coverage and how much? The same questions you asked would also apply to you as a passenger.

[Investment Painting Contractors]

The OP said $225 a year. That's 3 glasses of wine a month.Then I don't have to worry about the what ifs. Being self-employed my whole life, and paying over $38,000 a year in assorted insurance, Workers comp, truck ins for multiple trucks, liability, health ins for my men and my family, car ins, home owners ins etc. I think I'm getting a deal now that I'm retired. I'll skip the wine and sleep easy. Thanks for your reply. Len

[GatorFan]

I don’t think any of you understand uninsured/underinsured motorist coverage. Please go sit down with a licensed insurance agent, ask questions and let them explain coverage. I would also ask how many of you have long term care insurance? What would happen if you need rehabilitation, physical therapy and other things that are limited under your health insurance.

Stacked vs non stacked. Do you know how the coverage extends if you have stacked?

I am not saying you do not have option to purchase or decline coverage but please ask questions from a licensed agent before making that decision.

[retiredguy123]

The OP didn't say $225 per year. I assumed the $225 was for a typical 6 month auto policy.

[Investment Painting Contractors]

Originally Posted by DimondAngels

Our auto insurance is up for renewal and we are debating about the expense of adding uninsured motorist to the policy. We have a 10 year old vehicle and they want an additional $225 for that rider. Opinions please?

I'm sorry I thought this was the post everyone was referring to.

[retiredguy123]

It is, but a typical auto policy is 6 months, not a year. Every auto policy I have ever purchased has been for 6 months. But, I guess we don't know, and we also don't know what amount of coverage is included.