skip to main content

Household Finances

UM coverage revisited

17 years ago

I know somebody else had a question whether to drop Uninsured Motorist Coverage or not in the past.

I myself did some research, talking to my auto insurance company and my health insurance company, and reading policies. Still confused.

Although my auto insurance agent tells me that UM coverage is VERY important in case someone without auto liability insurance hits me and I have to go to ER, my health insurance seems to cover my ER costs. My health policy says that it does not provide duplicate coverage when I have benefits from UM coverage.

UM coverage seems to be duplicate, therefore I can drop it. Am I wrong?

Another question: My auto agent tells me that I would need to use my health insurance first when I go to ER after an auto accident, then the health insurance company would go after either my auto insurance company or the other party's auto insurance company. Is this how it works?

Sort by:Oldest

Comments (6)

hendricus
17 years ago
Every state is different.

In Michigan we have no-fault insurance. Your own ins. company pays all your bills. We can only drop collision and comprehensive as it applies to our own vehicles. If the other driver is at fault, get a police report, your ins. co. will pay your deductible or you can sue the other driver in small claims court for up to $400.
tishtoshnm Zone 6/NM
17 years ago
There have been several times when I have gone to the ER and used my insurance (things like a sprained ankle, etc) and later have gotten a questionairre in the mail verifying that someone else should not be liable for the costs.
Related Discussions
Revisit Fairy Woodland house construction
Q
Comments (12)
My intentions were pure when I posted about the Chatanooga resin last year. However, my husband's health was steadily declining and he died this February. And I still haven't tried a fairy house. Sigh. I DO have a box of sand saved under my kitchen table with a plastic pan cover to keep the cats out. Maybe I'll get back to the project before snow flies. Maybe not. I WILL try. Hope somebody else has tried it meanwhile!
...See More
Clorox bleach pen; Mr. Clean eraser-revisited
Q
Comments (56)
Mr. Clean eraser is incredible. What won't it do? My husband was cleaning his boat (fiberglass hull) and it had scuff marks along the sides and on the floor. He tried brush and soap, a nylon scrubbie and was planning to get steel wool when I stopped him and told him to use my Mr. Clean eraser. He scoffed and said these marks were so stubborn that a "sponge" will do nothing. I insisted he try it and they were EASILY removed! It took him just a minute or two remove all the scuffs, and he had been laboring for nearly an hour with the other items. He was amazed! I have several on hand at all times for shower doors, scuff marks on floors, baseboards and walls. I also used it to remove specks of dried paint from woodwork. Use a light hand though, because it will remove the finish if you are over zealous.
...See More
Crumb Blocks Revisited
Q
Comments (9)
I did a little search today and only found a couple of leftover crumb blocks so I'll have to make more, just not right now. I have 2 quilts and 4 doll quilts to finish first......sigh. :-)
...See More
Installing a Lawn on a Slope Revisited /Progress Made / Question Asked
Q
Comments (7)
You have done far, far better than I would have expected you would. I'm going to say no, don't reseed; this seed is still coming in at the temperatures you're reporting, and probably will for the next week or two, right up to Memorial Day. After that, it's going to be too late to seed, and I wouldn't bother. Feed it then, and ride it through the summer as best you can, seeding anything that's thin in mid-August as summer begins to fade. Yes, it's inconvenient, yes, you're probably going to have to patch soil that erodes. And yes, it's not going to look great. And yes, you're absolutely going to have to water that through the summer to keep it alive. Unfortunately, that's what happens with spring seedings.
...See More
ladytexan
17 years ago
I don't really remember how it works with medical coverage - but I would never, ever be withough uninsured motorist coverage. There are a bunch of people out there onh the road with no liability insurance, even no valid DL, and to take them to court would be futile.

That's the facts in Texas, anyway.
rocio
Original Author
17 years ago
My auto agent gave me a better explanation today.

UM does cover more than medical costs. When somebody hits me, I may want to sue the person for lost wages, pain and suffering, etc. If the person has enough liabilities, no problem. If not, I could collect money from my UM.
mnk716
17 years ago
UM coverage is the liability portion of your auto policy (injury lawsuits) only reversed in that it pays you if the other vehicle does not have any insurance or not enough (Underinsurace) or a hit & run. Most states mandate a minimum of UM the same as your liability portion. I always recommend you purchase more just like liability protection.

UM does not pay for medical bills, that is through no-fault, medpay or your health ins. UM covers pain & suffering that you sustain and cant recover from the at fault driver. some states allow UM for property damage but that is very small.

when your ins. company confirms there is little to no coverage they will attempt to settle with you if you have any pain & suffering.
sephia
17 years ago
I would never be without UM coverage. I was in a car accident a few years ago - my car was 3 months old. Got hit by a 21 year lady who didn't have a valid driver's license or insurance coverage. She did about $5500 damage to my car. Without my UM coverage I would have had to pick up the repair cost myself, or claim it on my regular insurance and watch my rates go up.

Related Stories

Houzz TV: Lego, Geese, a Train — Our Favorite Video Moments of 2015

By Mitchell Parker

Our video crew captured real people living in unique homes on land, underground, on the water and even on the move

BATHROOM DESIGN Bathroom Surfaces: Ceramic Tile Pros and Cons

By By Any Design Ltd.

Learn the facts on this popular material for bathroom walls and floors, including costs and maintenance needs, before you commit

HOUZZ TOURS My Houzz: Going White and Bright in Montreal

By Esther Hershcovich

White lacquer and wider doorways help create an airer backdrop for colorful contemporary art in a 1910 Arts and Crafts home

DIY PROJECTS Upcycle Furniture Finds With Paint

By Janell Beals - House of Fifty

There are products out there designed to help you transform your thrift-store scores

LIFE The Beautiful Thing About Dad's Chair

By Mitchell Parker

My father had his own spot in the house. His father had his own spot. Now I have mine

KITCHEN DESIGN 16 Practical Ideas to Borrow From Professional Kitchens

Restaurant kitchens are designed to function efficiently and safely. Why not adopt some of their tricks in your own home?

HOUZZ TOURS My Houzz: Turning a Netherlands Barn Into a Country Home

By Louise de Miranda

Once a place for chilling milk, this Dutch home now lets the owners chill out in easygoing comfort

GARDENING AND LANDSCAPING Color Makes a Garden Dining Room Sing in Santa Fe

By Becky Harris

Vibrant stucco walls, living art and chic furniture harmonize in an outdoor dining room in New Mexico

BATHROOM DESIGN Convert Your Tub Space to a Shower — the Planning Phase

By By Any Design Ltd.

Step 1 in swapping your tub for a sleek new shower: Get all the remodel details down on paper

HOUSEKEEPING How to Tackle Your Home To-Dos

By Laura Gaskill

Make quick work of minor repairs and replacements with this thorough, step-by-step approach

Sponsored

NME Builders LLC

2 Reviews

Remodeling Company in New Albany, Ohio