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Old 12-06-2013, 04:47 PM   #1
Neon Samurai
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Old 12-06-2013, 04:53 PM   #2
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Additionally, with State Farm, the “under-insured” motorist policy doesn’t mean squat when I’m on a motorcycle. Know your policy.
Anyone help me out with this?!
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Old 12-06-2013, 05:02 PM   #3
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Quote:
Originally Posted by Neon Samurai View Post
Anyone help me out with this?!
Don't take the normal when setting up uninsured/underinsured.....up that coverage....i.e.100/300, 500/1 mil

Norm might be 30/60 or 50/100, I think he's mentioning that the coverage he had did not mean b/c his surgeries, etc. ran more than the allocated coverage.
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Old 12-06-2013, 05:06 PM   #4
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Norm is 25/50/25
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Old 12-06-2013, 05:24 PM   #5
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Quote:
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Norm is 25/50/25
THERE ya have it....think 50k covers any type of surgery after a motorcycle wreck? I'd venture to say no, especially if they are amputating a limb. up your coverage folks....and I'm no insurance salesman either.
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Old 12-06-2013, 05:50 PM   #6
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dont think i would be drinking out of the container. LOL 50K would not have even covered the operating room costs for my accident 82K just for operating room use!! to fix a double displacement tibia plateau fracture, three plates on my pelvis,and replacing my hip. (aprox time in the OR 10 hrs.) total bill after removing plates from leg (pelvic plates are staying) was north of 400 thousand.
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Old 12-06-2013, 06:12 PM   #7
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dont think i would be drinking out of the container. LOL 50K would not have even covered the operating room costs for my accident 82K just for operating room use!! to fix a double displacement tibia plateau fracture, three plates on my pelvis,and replacing my hip. (aprox time in the OR 10 hrs.) total bill after removing plates from leg (pelvic plates are staying) was north of 400 thousand.
That's exactly what I was thinking!
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Old 12-06-2013, 06:18 PM   #8
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And if none of us had insurance they couldn't charge that and that 400k surgery would be 40k max
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Old 12-06-2013, 07:24 PM   #9
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That's exactly what I was thinking!
another +1 nasty
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Old 12-06-2013, 08:42 PM   #10
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Old 12-06-2013, 09:26 PM   #11
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I know of two people who have lost legs riding and still ride. Just can't steal their spirit I suppose.
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Old 12-06-2013, 09:34 PM   #12
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Anyone who rides needs life insurance, health insurance, and a supplemental like AFLAC.
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Old 12-07-2013, 12:19 AM   #13
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Quote:
Originally Posted by J.J. McQuade View Post
Anyone who rides needs life insurance, health insurance, and a supplemental like AFLAC.
werd. solid advice there.
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Old 12-07-2013, 11:34 AM   #14
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Quote:
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And if none of us had insurance they couldn't charge that and that 400k surgery would be 40k max
unfortunatly thats not the case though. It wasnt really a 400K surgery more like a 400k accident. that includes all OR cost, all Doctor bills (every single doc that steps into your room is getting PAID), ER bills(2), hospital stays(2 at about 1 month total time), ambulance rides(2), all meds while in hospital, all needed med devices needed to go home with, and physical therapy. It does not include however over a years worth of lost wages.
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