U.S. CitiesCity-Data Forum Index
Go Back   City-Data Forum > U.S. Forums > Texas > Houston
 [Register]
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
View detailed profile (Advanced) or search
site with Google Custom Search

Search Forums  (Advanced)
Reply Start New Thread
 
Old 01-01-2011, 11:57 AM
 
12,671 posts, read 20,489,997 times
Reputation: 2618

Advertisements

Quote:
Originally Posted by RCH99 View Post
Please tell us that you do indeed have a court appointed legal guardian.
If I have insurance and they don't then how does this effect me?
Reply With Quote Quick reply to this message

 
Old 01-01-2011, 12:34 PM
 
Location: A little suburb of Houston
3,702 posts, read 15,923,098 times
Reputation: 2047
Quote:
Originally Posted by Texas User View Post
If I have insurance and they don't then how does this effect me?
If the accident is their fault and they have no or not enough insurance coverage, who will pay your damages? Liability pays when you damage someone else, collison pays if you wreck your own car. UM coverage pays your damages when someone else hits you and does not have any or enough insurance. Otherwise, you are out of luck.
Reply With Quote Quick reply to this message
 
Old 01-02-2011, 12:35 AM
 
12,671 posts, read 20,489,997 times
Reputation: 2618
Quote:
Originally Posted by Poltracker View Post
If the accident is their fault and they have no or not enough insurance coverage, who will pay your damages? Liability pays when you damage someone else, collison pays if you wreck your own car. UM coverage pays your damages when someone else hits you and does not have any or enough insurance. Otherwise, you are out of luck.
I have collision coverage at $500 deductible. I thought collision pays for either side's fault?
Reply With Quote Quick reply to this message
 
Old 01-02-2011, 05:29 AM
 
Location: A little suburb of Houston
3,702 posts, read 15,923,098 times
Reputation: 2047
Quote:
Originally Posted by Texas User View Post
I have collision coverage at $500 deductible. I thought collision pays for either side's fault?
here is a site with explainations: GEICO | Auto Insurance Coverage - Understand your car insurance coverage options
Reply With Quote Quick reply to this message
 
Old 01-02-2011, 05:29 PM
 
12,671 posts, read 20,489,997 times
Reputation: 2618
Quote:
Originally Posted by Poltracker View Post
Which other coverage do you think I need?

I do comprehensive at $1000 and Collision at $500.
I have good health insurance though. Do I need PIP?
Reply With Quote Quick reply to this message
 
Old 01-02-2011, 06:57 PM
 
Location: NW Houston
1,150 posts, read 2,810,154 times
Reputation: 645
Quote:
Originally Posted by Poltracker View Post
If the accident is their fault and they have no or not enough insurance coverage, who will pay your damages? Liability pays when you damage someone else, collison pays if you wreck your own car. UM coverage pays your damages when someone else hits you and does not have any or enough insurance. Otherwise, you are out of luck.
That is not true. I have been hit by an UI motorist that caused $14k damage and it was covered under my Collision clause. Your own link says collision covers regardless of who hits whom ("when your car hits, or is hit by, another vehicle or other object").

The purpose for the UI clause is to cover medical claims since PIP is only for a limited amount (I recall about $2500). If you have great medical insurance and will cover automobile injuries, you may not need the UI clause.
Reply With Quote Quick reply to this message
 
Old 01-02-2011, 10:57 PM
 
12,671 posts, read 20,489,997 times
Reputation: 2618
Quote:
Originally Posted by DiverTodd62 View Post
That is not true. I have been hit by an UI motorist that caused $14k damage and it was covered under my Collision clause. Your own link says collision covers regardless of who hits whom ("when your car hits, or is hit by, another vehicle or other object").

The purpose for the UI clause is to cover medical claims since PIP is only for a limited amount (I recall about $2500). If you have great medical insurance and will cover automobile injuries, you may not need the UI clause.
Right. Medical claims for someone who failed to carry insurance required by law? Why should my insurance company have to pay for someone with no auto insurance?

I heard somewhere that the health coverage that someone has through employer may not cover anything for yourself for driver injuries? Is that true? Maybe I should call my insurance company.
Reply With Quote Quick reply to this message
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.

Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.


Reply
Please update this thread with any new information or opinions. This open thread is still read by thousands of people, so we encourage all additional points of view.

Quick Reply
Message:


Options
X
Data:
Loading data...
Based on 2000-2016 data
Loading data...

123
Hide US histogram

Over $104,000 in prizes was already given out to active posters on our forum and additional giveaways are planned!

Go Back   City-Data Forum > U.S. Forums > Texas > Houston
View detailed profiles of:
Follow City-Data.com founder on our Forum or

All times are GMT -6.

2005-2018, Advameg, Inc.

City-Data.com - Archive 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35 - Top