Guns v. Cell Phones

[OliverKlohzoff]

A little information on what "uninsured motorist" insurance coverage is. Uninsured motorist coverage covers ONLY medical payments for PASSENGERS in your car. Your medical covers you(car or health insurance). Your "comprehensive" covers your car if hit by an uninsured motorist.

 

[FullAuto]

A little information on what "uninsured motorist" insurance coverage is. Uninsured motorist coverage covers ONLY medical payments for PASSENGERS in your car. Your medical covers you(car or health insurance). Your "comprehensive" covers your car if hit by an uninsured motorist.

That is incorrect. UM covers you as the driver also. In fact, your UM will cover you, your spouse and your children if they are riding in someone else's car, if they are on the school bus, if you are a pedestrian and ran over by a car, etc. It's a pretty broad coverage. It does not cover property damage though.

UM will cover not only medical bills, but lost wages and pain & suffering. Medical coverage (C) covers medical bills, prescriptions, etc. but not pain & suffering or lost wages. In some cases, both apply and you can legally double dip (in this state).

 

[OliverKlohzoff]

That is incorrect. UM covers you as the driver also. In fact, your UM will cover you, your spouse and your children if they are riding in someone else's car, if they are on the school bus, if you are a pedestrian and ran over by a car, etc. It's a pretty broad coverage. It does not cover property damage though.

UM will cover not only medical bills, but lost wages and pain & suffering. Medical coverage (C) covers medical bills, prescriptions, etc. but not pain & suffering or lost wages. In some cases, both apply and you can legally double dip (in this state).

You might want to check with your insurance agent. According to State Farm, UM does not cover you, just passengers in your car.

 

[HMFIC]

Hang up and drive... get off of that telephone
All you do is yackity-yack and ya ain't lookin' where you're at

 

[FullAuto]

You might want to check with your insurance agent. According to State Farm, UM does not cover you, just passengers in your car.

I am a licensed adjuster. I work for State Farm.

 

[okav8tor]

You know one of these days we will see cars equipped with a device that disables your cell phone if the engine is running ...

 

[OliverKlohzoff]

I am a licensed adjuster. I work for State Farm.

LOL......... Hmmmm, you might want to give your agents some training then. My agent has been telling me that for 20 years and we've discussed that exact thing several times over the years.

 

[mightymouse]

You know one of these days we will see cars equipped with a device that disables your cell phone if the engine is running ...

We can only hope....

 

[cichlid-dave]

LOL......... Hmmmm, you might want to give your agents some training then. My agent has been telling me that for 20 years and we've discussed that exact thing several times over the years.

I have found many agents don't know their products very well. If you have not read your policy you are the one at fault for not knowing what you purchased.

 

[FullAuto]

LOL......... Hmmmm, you might want to give your agents some training then. My agent has been telling me that for 20 years and we've discussed that exact thing several times over the years.

It sounds like the version you were giving is when you are the driver and cause the accident. If you cause the accident, med pay (C) coverage (and health insurance) pays for yourself and your family members. Any passengers that aren't in your immediate family are covered by your liability coverage and when it's not enough, their own UM policy, but not your UM policy as it's first party coverage, not third party.

If it's not your fault, you (and your family) can still claim C coverage for medical bills only even if the at fault party has their liability coverage paying your bills. That's legal double dipping (not in all states, but it works here). The UM kicks in after their liability has hit the limits and pays for you and your family for medical bills as well as lost wages and P&S.

My wreck that I mentioned earlier was in a company car. I have open UM claims against the company car's policy as well as my own personal policy even though I wasn't in my own car. UM stacks in this state. There was also C coverage on the company car but I can't claim that because it's a worker's comp claim which specifically excludes C coverage claims.

Liability, collision, comprehensive and Med Pay (C) coverage all follow the car. UM coverage follows the family members and not the car specifically. That's why it's only needed on 1 car per household.