Mlaw's Public Service Announcement--Auto Insurance

Discussion in 'The Bar' started by Mlaw, Feb 6, 2016.

  1. Mlaw

    Mlaw Quite Contrarian VIP Gold

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    Anyone who owns a car, or lives in a household with cars, should have auto insurance, it's a no-brainer right? Well there are different types of insurance, and different amounts. Most people think about insurance as it relates to damage done by them. However, you should be especially concerned about coverage for when you are injured by someone else's negligence.

    In addition to liability coverage in an amount that exceeds the value of your assets, make sure you buy:

    the maximum amount of PIP (personal injury protection) coverage--DO NOT TAKE A DEDUCTIBLE
    MEDPAY (medical payments) again no deductible
    UI (unisured/underinsured) coverage. You should have at the very minimum $100,000/300,000--in benefits, I recommend $500,000/1,000,000

    UI provides benefits to you, or members of your household who are injured as the result of someone without insurance, or with insufficient insurance. Every owner of a policy should buy it. You can't use someone else's policy (generally) if you own your own.

    Every state is different, but it's critical that you examine your policies to make sure that if the unthinkable happens, you will able to recoup your lost wages, medical bills, and pain and suffering.

    :hat:

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    Last edited: Feb 6, 2016
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  2. gilaet

    gilaet Grandiosa Kjøttboller Gold

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  3. Phil McKrakin

    Phil McKrakin AKA Howie POTY The Bar VIP

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  4. beatlejaws

    beatlejaws nowhere poster

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  5. RH Goatcabin

    RH Goatcabin Notable Member VIP

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    I have Obama care. I will be fine.
     
  6. Phil McKrakin

    Phil McKrakin AKA Howie POTY The Bar VIP

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  7. gilaet

    gilaet Grandiosa Kjøttboller Gold

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    I'm all for women drivers having as much insurance as possible.
     
  8. Phil McKrakin

    Phil McKrakin AKA Howie POTY The Bar VIP

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  9. Phil McKrakin

    Phil McKrakin AKA Howie POTY The Bar VIP

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  10. doughhead63

    doughhead63 OD'd on life itself Staff Member

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    Phil is posting at a high level :jj:
     
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  11. LonghornJ

    LonghornJ VIP Extreme Gold

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    There are so many fucking illegal invaders here UI is mandatory
     
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  12. A Succulent Chinese Meal

    A Succulent Chinese Meal What is the charge?

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    I'm just thankful he's moved on past all of the Sara Bareilles videos he used to post.
     
  13. doughhead63

    doughhead63 OD'd on life itself Staff Member

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    Indeed...
     
  14. newcastlefan

    newcastlefan גֵּרְשֹׁם VIP

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    this is especially important if you live in a lame state, for example: NJ where the number of uninsured motorists rivals the number of insured motorists.
     
  15. Phil McKrakin

    Phil McKrakin AKA Howie POTY The Bar VIP

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  16. A Succulent Chinese Meal

    A Succulent Chinese Meal What is the charge?

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    I got sued by the old bat my husband rear ended and I wasn't even in the car. That was my first/only experience with a process server, I almost soiled myself.
     
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  17. newcastlefan

    newcastlefan גֵּרְשֹׁם VIP

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    guess its different in Tx. In the northeast the uninsured seem to be mostly good old boys and their kids.
     
  18. O Face

    O Face VIP Extreme Gold

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    Uninsured insurance is mandatory here too. Under insurance is not
     
  19. doughhead63

    doughhead63 OD'd on life itself Staff Member

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    @Mlaw, can you start a thread on the importance of wearing seatbelts?
     
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  20. O Face

    O Face VIP Extreme Gold

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    Your husband creamed her in the rear? :c