Re: beware minimal liabilty coveragr, here's why - Saab General Bulletin Board - Saabnet.com
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Very good points.
You also need to keep a close eye on your UIM. If someone hits you and *they* only have a minimum policy, you may find your first visit to the hospital completely uses up their coverage. Of course, you can sue them for the remaining hundred grand or whatever, but it's unlikely someone with minimum liability is going to have cash to cover your medical bills just laying around. A judgment is about worthless if that person is a fry cook or Walmart cashier. Your UIM is designed to make up the difference, so it's a good idea to ensure that number is high enough to cover reasonable medical bills and property damage. Most laws don't require you carry any UIM, so this is another case where "bare minimum" insurance can really screw you.
posted by 69.62.18...
Posts in this Thread:
- Insurance and minimal coverage. Anyone do this?, bender , Sat, 4 May 2013 20:17:30
- Insurance is jurisdiction dependent., Snowmobile , Sun, 5 May 2013 15:37:57
- Re: Insurance and minimal coverage. Anyone do this?, DE , Sun, 5 May 2013 12:35:29
- Re: "absolute-minimal-required-by-law coverage", Bill Homer , Sun, 5 May 2013 12:22:13
- ask your insurance company what the book value is, AeroEd, Sun, 5 May 2013 09:54:24
- Re: Insurance and minimal coverage. Anyone do this?, SWEDECAR , Sun, 5 May 2013 09:49:16
- Re: Insurance and minimal coverage. Anyone do this?, EGD , Sat, 4 May 2013 23:29:02
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