If you don't have uninsured motorist insurance...
#91
04-29-2012, 01:50 PM
Road Warrior
If Uninsured isn't on your deck sheet then you don't have the coverage. Make sure that you add this to the policy ASAP! Always review your coverages with your agent and make sure they explain them to you. YOu are not alone because a lot of people know that insurance in most places is required but have no idea how it works and what coverages provide coverage for.
I hope your girlfriend has a speedy recover. If you have any question send me a private email with your phone number and I will call you.
I hope your girlfriend has a speedy recover. If you have any question send me a private email with your phone number and I will call you.
In other words, isn't Uninsured coverage largely redundant then?
#92
04-30-2012, 12:09 PM
Cruiser
Join Date: Apr 2012
Location: Rochelle, IL
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#93
04-30-2012, 12:32 PM
Elite HDF Member
First, I hope you and your friend recover quickly from this accident.
Second, like a few have already mentioned it to you, I don't see what Underinsured/Uninsured has to do with this particular accident. To the best of my knowledge UI covers damages to your vehicle (or you) involving an identified third-party who is not insured or with limited coverage which doesn't cover all your damages.
In your case, your Comprehensive policy should take care of it. It covers accidents where there's nobody else involved, like if you hit a deer, you have an accident with a hit and run driver, if you crash by yourself or if your bike is stolen or vandalized. You should also have bodily injury which should cover your medical bills
Of course, if you don't have Comprehensive and Bodily Injury, then you're out of luck.
Do I miss something?
Second, like a few have already mentioned it to you, I don't see what Underinsured/Uninsured has to do with this particular accident. To the best of my knowledge UI covers damages to your vehicle (or you) involving an identified third-party who is not insured or with limited coverage which doesn't cover all your damages.
In your case, your Comprehensive policy should take care of it. It covers accidents where there's nobody else involved, like if you hit a deer, you have an accident with a hit and run driver, if you crash by yourself or if your bike is stolen or vandalized. You should also have bodily injury which should cover your medical bills
Of course, if you don't have Comprehensive and Bodily Injury, then you're out of luck.
Do I miss something?
Last edited by frenchbiker; 04-30-2012 at 12:37 PM.
#94
05-03-2012, 08:35 PM
Intermediate
Join Date: Apr 2011
Location: Marion, Indiana
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You did not hit the woman did you? if not, why would you need that coverage to begin with, if you went down your insurance should cover "Your" accident regardless of what started it in action, What if it had of been a Dog you tried to miss? do you need doggy insurance as well? ..sounds like you should have told them you just went down and dont remember it happening, maybe because of the bump to the head? its all in the way you present it to them. Insurance is like doing business with the Mofia, they want to collect and are real happy to do so, but when it comes time to pay, its like pulling teeth and fingernails along with breaking bones.
I saw a bumper sticker that said "What is the difference between your insurance company and the Mafia. There is honor in the Mafia"
#95
05-04-2012, 08:09 AM
First, I hope you and your friend recover quickly from this accident.
Second, like a few have already mentioned it to you, I don't see what Underinsured/Uninsured has to do with this particular accident. To the best of my knowledge UI covers damages to your vehicle (or you) involving an identified third-party who is not insured or with limited coverage which doesn't cover all your damages.
In your case, your Comprehensive policy should take care of it. It covers accidents where there's nobody else involved, like if you hit a deer, you have an accident with a hit and run driver, if you crash by yourself or if your bike is stolen or vandalized. You should also have bodily injury which should cover your medical bills
Of course, if you don't have Comprehensive and Bodily Injury, then you're out of luck.
Do I miss something?
Second, like a few have already mentioned it to you, I don't see what Underinsured/Uninsured has to do with this particular accident. To the best of my knowledge UI covers damages to your vehicle (or you) involving an identified third-party who is not insured or with limited coverage which doesn't cover all your damages.
In your case, your Comprehensive policy should take care of it. It covers accidents where there's nobody else involved, like if you hit a deer, you have an accident with a hit and run driver, if you crash by yourself or if your bike is stolen or vandalized. You should also have bodily injury which should cover your medical bills
Of course, if you don't have Comprehensive and Bodily Injury, then you're out of luck.
Do I miss something?
#96
05-04-2012, 08:20 AM
Elite HDF Member
Glad to know your friend's injuries are not as bad as they sounded at the beginning, and glad to know your bike is almost fixed now.
As for insurance, I do have excellent coverage. In fact, I always carry the max, which is 100K-300K and UI/UM for the same amounts.
I switched to Rider Insurance after getting a quote from them for 1/2 what State Farm used to charge me for the same exact coverage. I'm talking $310/year vs. $600+
The only difference is my deductible is now $500 vs. $250 with State Farm but when I asked State Farm how much my premium would be with a $500 deductible, the answer was $500/year.
Rider doesn't underwrite in all States but if they underwrite in yours, you might want to contact them for a quote.
As for insurance, I do have excellent coverage. In fact, I always carry the max, which is 100K-300K and UI/UM for the same amounts.
I switched to Rider Insurance after getting a quote from them for 1/2 what State Farm used to charge me for the same exact coverage. I'm talking $310/year vs. $600+
The only difference is my deductible is now $500 vs. $250 with State Farm but when I asked State Farm how much my premium would be with a $500 deductible, the answer was $500/year.
Rider doesn't underwrite in all States but if they underwrite in yours, you might want to contact them for a quote.
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