Uninsured motorist coverage: do you has?

[Ns1]

inquiring minds want to know.

 

[CrackRabbit]

Yep. You would be dumb not to.

 

[newb111]

I don't, but I should.

 

[SSSnail]

Full coverage + 24 hr road assistance + rentals = FTMFW!!!

 

[marvdmartian]

Let's see.......a few more bucks a year for uninsured motorist coverage, versus trying to get your vehicle replaced by suing someone who has no insurance and no money??

Yeah, I got it.

 

[MSCoder610]

Yes. Didn't use to, but it's only like $35 more per 6 months now for me.

 

[BoomerD]

Indeedidly I do haz.

 

[scott916]

For sure. A friend of mine was hit by an illegal alien, and it was hell for her to be reimbursed. Way worth the negligible extra cost, IMO.

 

[moks78]

Originally posted by: BoomerD
Indeedidly I do haz.

I haz one and is tooooo expensive.

 

[TallBill]

Yes, it's cheap for me.

 

[mundane]

Yes, I live on SoCal.

 

[1sikbITCH]

It's mandatory here. It's built in to your coverage (and your premium).

 

[Rage187]

state mandated so yes

 

[Sasiki]

Originally posted by: Rage187
state mandated so yes

+1, but it's only like $17 every 6 months. I'd be stupid not to have it.

 

[George P Burdell]

Yes I has.

 

[brtspears2]

Yes, along with underinsured motorist.

 

[CorCentral]

If in the country without a drivers license and Illegal, can one get insured? (No Ninjas, Pirates or Zombies involved)

 

[buck]

Originally posted by: CrackRabbit
Yep. You would be dumb not to.

 

[SuperjetMatt]

Question: I just reviewed my PEMCO policy and found "underinsured motorist" coverage.
Is this the same as uninsured motorist?
Thanks

 

[duragezic]

Yes, it is required in NY. Seems like a good idea to have anyway. I think it's only $10-15 for 6 months.

One thing that I don't understand is NY requires Personal Injury Protection (PIP). I already have health insurance. It is a fair amount of the total premium even at low coverage.

 

[JohnCU]

I HAS

 

[IronWing]

Originally posted by: brtspears2
Yes, along with underinsured motorist.

Same here, and it ain't cheap. Too many deadbeats in my fair city.

 

[IronWing]

Originally posted by: CorCentral
If in the country without a drivers license and Illegal, can one get insured? (No Ninjas, Pirates or Zombies involved)

Yes. Have cash, get insurance. The car is being insured, not the driver*. However, car insurance doesn't seem to be high on the list of purchases made by illegals w/o licenses.





Yes, the driver's record or lack thereof affects the price.

 

[RKS]

Originally posted by: duragezic
Yes, it is required in NY. Seems like a good idea to have anyway. I think it's only $10-15 for 6 months.

One thing that I don't understand is NY requires Personal Injury Protection (PIP). I already have health insurance. It is a fair amount of the total premium even at low coverage.

PIP is called medical payments coverage in some states. If you or your passenger are injured in an accident your PIP kicks in and reimburses you for any medical payout up to your limit. It's certainly good if you have a high co-pay or an annual deductible that you are required to pay before regular health coverage kicks in or in the worst case if you don't have health insurance.

 

[Finalnight]

Was required in MN, I think its required here in NE.