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Old 12-30-2010, 07:06 PM
 
12,671 posts, read 20,487,421 times
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In Houston and suburbs, is it worth it to get this coverage? What have been your experiences?
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Old 12-30-2010, 10:01 PM
 
912 posts, read 2,257,575 times
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Use your loaf. There are loads of these morons out there.

If you have significant risk (for example I have in excess of $100K to lose if some uninsured f*ktard wipes me out despite my continued best efforts to drive like an advanced instructor) then it's a 'no brainer' to cover that risk.
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Old 12-31-2010, 02:03 AM
 
Location: San Antonio/Houston
33,546 posts, read 51,750,301 times
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Of course! This additional insurance really cost very little. ( I think I pay something around $7/month)
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Old 12-31-2010, 07:31 AM
 
Location: A little suburb of Houston
3,702 posts, read 15,920,880 times
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Next to liability, which is required, this is probably the most important coverage you need. So I would say yes. Houston has an incredible number of uninsured motorists out there.
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Old 12-31-2010, 10:23 AM
 
Location: West Houston
1,075 posts, read 2,471,609 times
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It's just plain stupid to fail to carry UM/UIM, regardless of where you live.

The states have all tried to mandate universal insurance coverage, and have all failed. Every single one of them.

Just buy the coverage.
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Old 12-31-2010, 01:10 PM
 
9,780 posts, read 7,644,489 times
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Last I heard, about 1/3 of the drivers in Harris county had no insurance. About 25% were drunk or on some kind of drug, legal or not. Many more are on the phone. The chances of being rear ended by an uninsured driver are pretty good.
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Old 12-31-2010, 05:14 PM
 
12,671 posts, read 20,487,421 times
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Quote:
Originally Posted by Grunn View Post
Use your loaf. There are loads of these morons out there.

If you have significant risk (for example I have in excess of $100K to lose if some uninsured f*ktard wipes me out despite my continued best efforts to drive like an advanced instructor) then it's a 'no brainer' to cover that risk.
I have $500 deductible Collision coverage. Why am I worried about their damage?
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Old 12-31-2010, 05:15 PM
 
12,671 posts, read 20,487,421 times
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Quote:
Originally Posted by Poltracker View Post
Next to liability, which is required, this is probably the most important coverage you need. So I would say yes. Houston has an incredible number of uninsured motorists out there.
It not required by law. You can deny the coverage. The other most important coverage is Collision.
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Old 12-31-2010, 05:16 PM
 
12,671 posts, read 20,487,421 times
Reputation: 2618
Quote:
Originally Posted by Malvie View Post
It's just plain stupid to fail to carry UM/UIM, regardless of where you live.

The states have all tried to mandate universal insurance coverage, and have all failed. Every single one of them.

Just buy the coverage.
Why am I worried about their damage? What have I got to lose?
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Old 01-01-2011, 10:46 AM
 
1,194 posts, read 2,893,520 times
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Quote:
Originally Posted by Texas User View Post
Why am I worried about their damage? What have I got to lose?
Please tell us that you do indeed have a court appointed legal guardian.
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