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Started By
Message
re: Tip of the Day: Up your Auto Liability Coverage
Posted on 11/22/25 at 8:05 am to BigBinBR
Posted on 11/22/25 at 8:05 am to BigBinBR
quote:this
Very rarely do attorneys go after someone insured if they have minimum coverage and really no assets. They will run a check on her and determine it’s not worth it because the likelihood of collecting will be so low.
0
Posted on 11/22/25 at 8:10 am to deeprig9
quote:
The lawyer is going to take that shite.
“The lawyer” isn’t deciding to take shite; your brother might. It’s pathetic to me that people won’t take responsibility for their own decisions and instead want to blame their big bad lawyer
Posted on 11/22/25 at 9:00 am to BigBinBR
Very rarely do attorneys go after someone insured if they have minimum coverage and really no assets. They will run a check on her and determine it’s not worth it because the likelihood of collecting will be so low
But what if someone does have assets and over $150k in home equity for instance? Would attorneys then go after that if the opportunity presents itself?
But what if someone does have assets and over $150k in home equity for instance? Would attorneys then go after that if the opportunity presents itself?
Posted on 11/22/25 at 9:05 am to BabyTac
quote:
Been driving for 30 years. No accidents, no claims.
Posted on 11/22/25 at 9:20 am to UptownJoeBrown
quote:
With the amount of uninsured drivers and the vast majority that are only have minimal liability,
I’ve been involved in two accidents in my lifetime. One was my fault back in 08. I had worked 40hrs straight and was driving home from Lafayette and dosed off on I12 and tapped the back of the car in front of me. I had the cruise on at 72, he was driving below the speed limit in the left hand lane. I “came to” with enough time to hit the brakes and still tapped his bumper. Still, my fault, but driving around 60 in a 70 in the left hand lane…. I called the cops. We got out of the cars and I checked to make sure he was okay. He was. Sitting outside leaning up against the car. When I told him I called the police he got really nervous. Started asking me why, etc. cops showed up, gave them my info, went to get his. He, no shite, did a flop that would’ve made LeBron look like Gary Oldman. “Oh my back. Ag-oh-nee!”
The cop was pissed. He had no insurance. They had to call ambulance. They still tried to sue my policy even though I thought Louisiana was a no play no pay state. Had an adjuster come out and look at my car. It broke the license plate bracket. That’s it.
Second one was last spring. Lady sideswiped my wife’s car on the interstate while she was bringing the kids to school. Wife thankfully did not lose control of the car and was able to pull off the road. Apparently more than one Good Samaritan called the police and gave them the license plate of the car that hit my wife.
State police had the plates, confirmed the identity. I can pull it up on my app right now and see her address. She had no insurance. No arrest for hit and run, nothing. And I was out my deductible to pay for the damages.
Louisiana is a cesspool. I really am thinking about leaving.
Posted on 11/22/25 at 9:36 am to BigBinBR
quote:
underinsured motorist coverage
this
Posted on 11/22/25 at 10:07 am to Joshjrn
quote:
“The lawyer” isn’t deciding to take shite; your brother might. It’s pathetic to me that people won’t take responsibility for their own decisions and instead want to blame their big bad lawyer
Head on over to the coaching board and read some melts about sexton
Posted on 11/22/25 at 11:07 am to deeprig9
quote:
Also, I don't know what Umbrella or UM means.
I scanned through most of this bullshite and don’t see that anyone answered this question.
Im assuming UM is uninsured/underinsured motorists and an Umbrella policy is a separate liability policy - starting at $1M - that sits over your auto and HO I think to give you more liability limit. They’re also usually a couple hundred bucks - but the cost is normally in having to increase your auto limits underneath to qualify.
With the cost of healthcare and vehicles today basic auto isn’t enough for both your liability or costs for uninsured motorists.
Posted on 11/22/25 at 12:32 pm to piratedude
quote:This is correct.
unless the law has changed and I missed it, your auto UM coverage does not require you to be in your car to provide coverage. You can be standing on a curb and get run over by an uninsured illegal, and your UM will pay. Raise your limits on all coverage.
BIL does not have to be in a vehicle to be covered by UM insurance.
You can be standing on a curb and get injured by an underinsured motorist, and your UM coverage applies.
The BIL does have to notify his UM insurance provider. The policies vary in the language stating the deadline to provide notice. I would tell my BIL to notify his UM insurance provider immediately.
Posted on 11/22/25 at 3:10 pm to SquatchDawg
quote:
Im assuming UM is uninsured/underinsured motorists and an Umbrella policy is a separate liability policy - starting at $1M - that sits over your auto and HO I think to give you more liability limit. They’re also usually a couple hundred bucks - but the cost is normally in having to increase your auto limits underneath to qualify.
UM is uninsured motorist
UIM is underinsured motorist
They are on your policy and pay your damages up to their limits in the case you were hit by a uninsured motorist (UM) or one with limits not high enough to cover your damages (UIM). State law varies a lot around these and how you may or may not stack them if you have multiple vehicles.
Umbrella coverage sits over your other liability policies (eg homeowners and auto) like an umbrella. If your liability causes damages that exceed your specific liability coverage the umbrella kicks in. To have a specific amount of umbrella coverage the underwriter will require certain levels of coverage on the specific policy. The higher the umbrella the higher liability limits you will be required to have on the specific liability policies.
Posted on 11/22/25 at 3:26 pm to deeprig9
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