Mlaw's Public Service Announcement--Auto Insurance

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

  1. Mlaw

    Mlaw Quite Contrarian VIP Gold

    Reputations:
    108,013
    Joined:
    Nov 5, 2010
    Messages:
    62,741
    Likes Received:
    28,309
    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:

    [​IMG]
     
    Last edited: Feb 6, 2016
    XuXu, Mack, DarkFriday and 3 others like this.
  2. gilaet

    gilaet based on a true story Gold

    Reputations:
    23,880
    Joined:
    Aug 23, 2010
    Messages:
    94,449
    Likes Received:
    29,232
    [​IMG]
     
    DarkFriday and doughhead63 like this.
  3. Phil McKrakin

    Phil McKrakin AKA Howie POTY The Bar VIP

    Reputations:
    53,202
    Joined:
    Jan 15, 2012
    Messages:
    90,843
    Likes Received:
    37,235
    [​IMG]
     
    Lemmy and O Face like this.
  4. beatlejaws

    beatlejaws nowhere poster

    Reputations:
    0
    Joined:
    Dec 13, 2011
    Messages:
    54,251
    Likes Received:
    5,623
  5. RH Goatcabin

    RH Goatcabin Unknown Member VIP

    Reputations:
    29,672
    Joined:
    Oct 25, 2010
    Messages:
    93,707
    Likes Received:
    30,455
    I have Obama care. I will be fine.
     
  6. Phil McKrakin

    Phil McKrakin AKA Howie POTY The Bar VIP

    Reputations:
    53,202
    Joined:
    Jan 15, 2012
    Messages:
    90,843
    Likes Received:
    37,235
  7. gilaet

    gilaet based on a true story Gold

    Reputations:
    23,880
    Joined:
    Aug 23, 2010
    Messages:
    94,449
    Likes Received:
    29,232
    I'm all for women drivers having as much insurance as possible.
     
  8. Phil McKrakin

    Phil McKrakin AKA Howie POTY The Bar VIP

    Reputations:
    53,202
    Joined:
    Jan 15, 2012
    Messages:
    90,843
    Likes Received:
    37,235
    [​IMG]
     
    DarkFriday and doughhead63 like this.
  9. Phil McKrakin

    Phil McKrakin AKA Howie POTY The Bar VIP

    Reputations:
    53,202
    Joined:
    Jan 15, 2012
    Messages:
    90,843
    Likes Received:
    37,235
    [​IMG]
     
    DarkFriday and doughhead63 like this.
  10. doughhead63

    doughhead63 OD'd on life itself Staff Member

    Reputations:
    19,732
    Joined:
    Sep 18, 2010
    Messages:
    35,201
    Likes Received:
    13,500
    Phil is posting at a high level :jj:
     
    DarkFriday likes this.
  11. LonghornJ

    LonghornJ VIP Extreme Gold

    Reputations:
    51,812
    Joined:
    Sep 16, 2010
    Messages:
    37,179
    Likes Received:
    30,889
    There are so many fucking illegal invaders here UI is mandatory
     
    DarkFriday and babybear like this.
  12. A Succulent Chinese Meal

    A Succulent Chinese Meal Have a look at the headlock here. VIP

    Reputations:
    34,510
    Joined:
    Aug 31, 2010
    Messages:
    51,044
    Likes Received:
    25,395
    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

    Reputations:
    19,732
    Joined:
    Sep 18, 2010
    Messages:
    35,201
    Likes Received:
    13,500
    Indeed...
     
  14. newcastlefan

    newcastlefan גֵּרְשֹׁם VIP

    Reputations:
    23,649
    Joined:
    Dec 31, 2011
    Messages:
    66,365
    Likes Received:
    24,935
    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

    Reputations:
    53,202
    Joined:
    Jan 15, 2012
    Messages:
    90,843
    Likes Received:
    37,235
    [​IMG]
     
    DarkFriday and doughhead63 like this.
  16. A Succulent Chinese Meal

    A Succulent Chinese Meal Have a look at the headlock here. VIP

    Reputations:
    34,510
    Joined:
    Aug 31, 2010
    Messages:
    51,044
    Likes Received:
    25,395
    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.
     
    Gomez, babybear and O Face like this.
  17. newcastlefan

    newcastlefan גֵּרְשֹׁם VIP

    Reputations:
    23,649
    Joined:
    Dec 31, 2011
    Messages:
    66,365
    Likes Received:
    24,935
    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

    Reputations:
    22,873
    Joined:
    Dec 13, 2011
    Messages:
    10,202
    Likes Received:
    7,971
    Uninsured insurance is mandatory here too. Under insurance is not
     
  19. doughhead63

    doughhead63 OD'd on life itself Staff Member

    Reputations:
    19,732
    Joined:
    Sep 18, 2010
    Messages:
    35,201
    Likes Received:
    13,500

    @Mlaw, can you start a thread on the importance of wearing seatbelts?
     
    DarkFriday, Gomez and O Face like this.
  20. O Face

    O Face VIP Extreme Gold

    Reputations:
    22,873
    Joined:
    Dec 13, 2011
    Messages:
    10,202
    Likes Received:
    7,971
    Your husband creamed her in the rear? :c