Sep-25-2020 11:52 AM
Oct-21-2020 10:42 AM
Grit dog wrote:dedmiston wrote:
they t-boned us as they fled the scene. My wife's head went through the window and she needed a zillion or so stitches in her forehead. There's no way to put a price tag on that, but the price would have been zero if we didn't have the uninsured coverage.
Ask your agent about your uninsured coverage and see what he/she has to say about it. A good agent will talk you out of buying unnecessary coverage. Also think about asking your agent about any hypothetical mods on your vehicles (lifts, special tires, sound equipment, fifth wheel hitch, etc.).
Dave, thank you for the very informative explanations. I am supposing they will help many who read this.
My first question was sort of rhetorical, as we typically decline under/un-insured motorist coverage for the reasons you explained.
Essentially, I'm betting the value of my deductible that I won't get in a no fault accident with an un-insured party. And as well, the other "losses" you mentioned, rental car costs, personal property in excess of the stated limits, etc.
It was good to hear it from an "un-biased" 3rd party, as we all know our insurance companies are "for profit" businesses!
Regarding your example that I quoted. Absolutley correct, save for if one has health insurance, if there is no other "insurance" to subrogate to, then health insurance covers it (again, betting the amount of your Emergency visit, ambulance coverage, deductible, co pay, etc).
I learned a long time ago how insurance companies sometimes determine "fault" and it is not always objective. Case of a bad car accident. Myself/passenger vs another car w 2 people. Other car totally at fault IMO, unless you consider turning left in front of someone going straight through a green light partial fault. In the end, I was deemed like 10% at fault. I believe the total cost of the accident exceeded the other party's limits, no other explanation considering the other driver got 2 moving violations. It affected my parents insurance rates though, ultimately.
I also don't trust subrogation or fault determination and folks look at me weird when I say, if I'm in an accident that I am certain I'm not at fault, I don't divulge my insurance info. Now, I'm sure it can be found....internet...somehow. But back in the day, it worked. No proof of insurance, my company did not get a call (wasn't my fault anyway, but not taking the chance of partial fault). No proof of insurance ticket is easy to get dismissed IF you actually have insurance!
Thanks again for the intel.
2014 RAM 3500 Diesel 4x4 Dually long bed. B&W RVK3600 hitch • 2015 Crossroads Elevation Homestead Toy Hauler ("The Taj Mahauler") • <\br >Toys:
Oct-20-2020 06:08 PM
dedmiston wrote:BurbMan wrote:
Dave, good info on insurance and thanks for posting that. BUT...it's less about what your insurance policy will cover based on assignment of fault and more about what rental companies will rent you a vehicle that you can tow with.
Just because the ins co gives you the $$$ to rent a tow vehicle doesn't mean the rental company has to allow you to tow with it.
Amen. I can't imagine finding a decent tow vehicle at a rental lot. And lots of luck finding a rental truck with a fifth wheel hitch.
Oct-20-2020 06:02 PM
dedmiston wrote:
they t-boned us as they fled the scene. My wife's head went through the window and she needed a zillion or so stitches in her forehead. There's no way to put a price tag on that, but the price would have been zero if we didn't have the uninsured coverage.
Ask your agent about your uninsured coverage and see what he/she has to say about it. A good agent will talk you out of buying unnecessary coverage. Also think about asking your agent about any hypothetical mods on your vehicles (lifts, special tires, sound equipment, fifth wheel hitch, etc.).
Oct-20-2020 05:12 PM
BurbMan wrote:
Dave, good info on insurance and thanks for posting that. BUT...it's less about what your insurance policy will cover based on assignment of fault and more about what rental companies will rent you a vehicle that you can tow with.
Just because the ins co gives you the $$$ to rent a tow vehicle doesn't mean the rental company has to allow you to tow with it.
2014 RAM 3500 Diesel 4x4 Dually long bed. B&W RVK3600 hitch • 2015 Crossroads Elevation Homestead Toy Hauler ("The Taj Mahauler") • <\br >Toys:
Oct-20-2020 04:56 PM
BurbMan wrote:
Just because the ins co gives you the $$$ to rent a tow vehicle doesn't mean the rental company has to allow you to tow with it.
Oct-20-2020 04:46 PM
Oct-18-2020 05:32 PM
Oct-18-2020 02:58 PM
2014 RAM 3500 Diesel 4x4 Dually long bed. B&W RVK3600 hitch • 2015 Crossroads Elevation Homestead Toy Hauler ("The Taj Mahauler") • <\br >Toys:
Oct-18-2020 02:45 PM
Grit dog wrote:
^Great explanation.
Question since you’re knowledgeable.
RE uninsured or under insured for property.
Let’s say you have full coverage on vehicle.
Accident that is other party’s fault and they don’t have insurance. Or under insured.
Will your collision policy not cover your vehicle in that event?
I don’t believe collision coverage is predicated on fault. Is it ?
Or another way...what good is uninsured coverage if you already have collision?
TIA
2014 RAM 3500 Diesel 4x4 Dually long bed. B&W RVK3600 hitch • 2015 Crossroads Elevation Homestead Toy Hauler ("The Taj Mahauler") • <\br >Toys:
Oct-18-2020 10:41 AM
Oct-18-2020 09:34 AM
Oct-17-2020 08:05 PM
2014 RAM 3500 Diesel 4x4 Dually long bed. B&W RVK3600 hitch • 2015 Crossroads Elevation Homestead Toy Hauler ("The Taj Mahauler") • <\br >Toys:
Oct-16-2020 07:33 AM
BurbMan wrote:
Enterprise is the only one I'm aware of the rents for business use which may allow you to tow a trailer. UHaul only allows you to tow one of their own rental trailers. AFAIK all other rental companies forbid towing in their contracts.
Not sure that this is what Home Depot means their trucks to be used for, but they didn't say I couldn't...
Oct-16-2020 07:32 AM
bucky wrote:
So there I was driving my truck in 14 inches of snow to pick up a TT from a hunting camp?