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Old 10-06-2009, 08:20 PM   #21
Amanda
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Quote:
Originally Posted by bluewave18 View Post
Lets pretend your bike is worth more. Some azzhole plowed you and ran.
With uninsured you pay nothing and it doesnt count against you. Your med insurance pays your med bills and your uninsured pays you for missed time at work. All the while your bike is being repaired or replaced.
For plenty here the price of the insurance is well worth the expense.
maybe thats how it works. idk. but not for my case. Maaaaaybe it just depends how bad of an accident it is too??! Ive been out of work from a really serious wreck 3 months ago.

Most medical insurances still require a percentage (or co-pay), usually a percentage outside of office visits. And uninsured just kinda helps feel in the pieces, not quite replaces missed work time.

My medical bills were over 300k (not including 10k for life flight), the punk that caused the wreck only had the 25k coverage. Then the buddy i was with had uninsured motorist, and that helped with another 10k. ALSO, three and a half months later, i have not seen a dime from State farm for my motorcycle. Which is not even rideable (it was in the enclosed trailer behind us)

Long story short, and someone please correct me if im wrong( cuz i would love to be educated more on this matter), but i believe uninsured just kinda helps kick in to fill in missing pieces (and still pays the minimum they can get away with, like ALL insurances)
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Old 10-06-2009, 08:35 PM   #22
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Quote:
Originally Posted by Amanda View Post
maybe thats how it works. idk. but not for my case. Maaaaaybe it just depends how bad of an accident it is too??! Ive been out of work from a really serious wreck 3 months ago.

Most medical insurances still require a percentage (or co-pay), usually a percentage outside of office visits. And uninsured just kinda helps feel in the pieces, not quite replaces missed work time.

My medical bills were over 300k (not including 10k for life flight), the punk that caused the wreck only had the 25k coverage. Then the buddy i was with had uninsured motorist, and that helped with another 10k. ALSO, three and a half months later, i have not seen a dime from State farm for my motorcycle. Which is not even rideable (it was in the enclosed trailer behind us)

Long story short, and someone please correct me if im wrong( cuz i would love to be educated more on this matter), but i believe uninsured just kinda helps kick in to fill in missing pieces (and still pays the minimum they can get away with, like ALL insurances)
I believe the vehicle towing the trailer, insurance is supposed to cover your bike?
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Old 10-06-2009, 08:43 PM   #23
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Quote:
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I believe the vehicle towing the trailer, insurance is supposed to cover your bike?
nope. the buddy is using his own truck insurance to cover the truck.

the kid that hit us covers 25k medical/personal and 25k total for property damage.

so 25k has to cover the 30ft enclosed trailer, a jet ski, and the 6 motorcycles that were in it. Complicated case....
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Old 10-06-2009, 08:53 PM   #24
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Old 10-06-2009, 08:57 PM   #25
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springfield armory
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Old 10-06-2009, 09:03 PM   #26
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Quote:
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get insured by S&W, Glock, Springfield Armory......take your choice.
lol chris, you mean that don't you...
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Old 10-06-2009, 09:41 PM   #27
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If they are at fault, press charges. From there, I believe getting your money involves restitution if they cant pay. Make sure you visit a doctor if you are injured and lawyer up.
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Old 10-06-2009, 10:24 PM   #28
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Quote:
Originally Posted by psychomedicHFD View Post
get insured by S&W, Glock, Springfield Armory......take your choice.
SIG Sauer
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Old 10-06-2009, 10:40 PM   #29
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Quote:
Originally Posted by Amanda View Post
maybe thats how it works. idk. but not for my case. Maaaaaybe it just depends how bad of an accident it is too??! Ive been out of work from a really serious wreck 3 months ago.

Most medical insurances still require a percentage (or co-pay), usually a percentage outside of office visits. And uninsured just kinda helps feel in the pieces, not quite replaces missed work time.

My medical bills were over 300k (not including 10k for life flight), the punk that caused the wreck only had the 25k coverage. Then the buddy i was with had uninsured motorist, and that helped with another 10k. ALSO, three and a half months later, i have not seen a dime from State farm for my motorcycle. Which is not even rideable (it was in the enclosed trailer behind us)

Long story short, and someone please correct me if im wrong( cuz i would love to be educated more on this matter), but i believe uninsured just kinda helps kick in to fill in missing pieces (and still pays the minimum they can get away with, like ALL insurances)
This is the reason my coverage is 50/100 instead of the min. 25/50 as well as un/underinsured and PIP. Its only a few $ MORE TO DOUBLE IT. The trailer deal is complicated. The vehicles in the trailer if insurable would need their own coverage. I know a thing or 2 about ins. I have had to deal with more than a few claims over the years. Im a firm believer in the idea that you cant have enough ins.
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Old 10-06-2009, 10:41 PM   #30
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Old 10-06-2009, 11:01 PM   #31
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Quote:
Originally Posted by bluewave18 View Post
This is the reason my coverage is 50/100 instead of the min. 25/50 as well as un/underinsured and PIP. Its only a few $ MORE TO DOUBLE IT. The trailer deal is complicated. The vehicles in the trailer if insurable would need their own coverage. I know a thing or 2 about ins. I have had to deal with more than a few claims over the years. Im a firm believer in the idea that you cant have enough ins.
i am to, NOW...


good thinkin on ur part!
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Old 10-07-2009, 07:46 AM   #32
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Just make sure you're covered on all angles..Houston drivers suck.
+1 - listen to this advice. It may save your financially.
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Old 10-07-2009, 08:39 AM   #33
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Quote:
Originally Posted by Amanda View Post
nope. the buddy is using his own truck insurance to cover the truck.

the kid that hit us covers 25k medical/personal and 25k total for property damage.

so 25k has to cover the 30ft enclosed trailer, a jet ski, and the 6 motorcycles that were in it. Complicated case....
you should be able to file on the your trucks insurance, if the other guys limits were too low. How high are your limits? Thier should be some coverage there
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Old 10-07-2009, 09:53 AM   #34
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Quote:
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you should be able to file on the your trucks insurance, if the other guys limits were too low. How high are your limits? Thier should be some coverage there
wasnt my truck.

but since i was in my buddies truck with him and he had uninsured, i was able to file. his uninsured limit was 10k. So thats what ill get for medical.
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Old 10-07-2009, 09:55 AM   #35
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Quote:
Originally Posted by Amanda View Post
wasnt my truck.

but since i was in my buddies truck with him and he had uninsured, i was able to file. his uninsured limit was 10k. So thats what ill get for medical.
did you have medical insurance, surely you have a stop loss on the policy, could still be high, but surely it's nowhere near the 300k
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Old 10-07-2009, 09:56 AM   #36
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Read this. Should sum it up.

I read it and immediately called my insurance Co and found out it is not as cheap as everyone else has claimed?

http://www.wba-law.com/Unique_Practi...ance_Coverage/
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Old 10-07-2009, 10:00 AM   #37
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Quote:
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did you have medical insurance, surely you have a stop loss on the policy, could still be high, but surely it's nowhere near the 300k
nope. thats why i wont get pain and suffering, settlement, etc. All the insurances combined will go toward medical. Whats stop loss?
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Old 10-07-2009, 10:04 AM   #38
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Quote:
Originally Posted by Amanda View Post
nope. thats why i wont get pain and suffering, settlement, etc. All the insurances combined will go toward medical. Whats stop loss?
For instance, you have a deductible, then you have co-insurance. Lets say your deductible was 2500, so normally, at least with plans I deal with have an out of pocket max of another 3000. Total in a year an insurance company can make you responsible for is 5500. After that, they have to eat it, whether they just right it off or go after who was at fault, but your obligation ends there. Now if you are still in need of care after the calender year has ended, then you could be responsible for another 5500. I'm a consultant, so it's kinda what I do for a living
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Old 10-07-2009, 10:10 AM   #39
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Old 10-07-2009, 10:15 AM   #40
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Quote:
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For instance, you have a deductible, then you have co-insurance. Lets say your deductible was 2500, so normally, at least with plans I deal with have an out of pocket max of another 3000. Total in a year an insurance company can make you responsible for is 5500. After that, they have to eat it, whether they just right it off or go after who was at fault, but your obligation ends there. Now if you are still in need of care after the calender year has ended, then you could be responsible for another 5500. I'm a consultant, so it's kinda what I do for a living
guess i understood the concept but didnt know what it was called. However, this doesnt apply to me since i didnt have medical insurance at the time.

I do now, but they dont cover pre-existing....
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