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Old 08-31-2012, 08:53 AM
mlb
 
Location: North Monterey County
3,179 posts, read 2,855,355 times
Reputation: 4876

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My MIL (as I previously stated) passed the written exam. She was asked extensively about her health.

She will take a BEHIND THE WHEEL TEST - with an EXAMINER next week.

I wonder if they will take a spin on the Ventura Fwy.

Stay Tuned.
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Old 08-31-2012, 09:04 AM
 
9,193 posts, read 9,271,792 times
Reputation: 28802
Quote:
that is the key thing and seniors are often targeted for law suits
I don't dispute this point.

However, I want to re-emphasize that one of the major reasons for having umbrella coverage is for the first party benefits that become available to you if you are struck by another driver. There are hordes of people out there on the roads driving either without insurance or with completely inadequate insurance. For example, in my state it is completely legal to have an auto policy that provides only $25,000 in liability coverage. So, if the driver kills or maims someone for life, his maximum obligation under the policy is still only 25K.

Don't only get umbrella coverage. Make certain your umbrella coverage also extends your limits of UM and UIM coverages. The cost differential will be about 25% of your satellite t.v. bill for a month.
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Old 08-31-2012, 09:09 AM
 
Location: High Cotton
6,131 posts, read 6,442,376 times
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Quote:
Originally Posted by TuborgP View Post
How many seniors here carry umbrella insurance?
I have carried personal liability umbrella insurance for decades, increasing it as necessary through the years, which now is just under 8-digits. It's an absolute must to protect your assets and net worth. You never know what the future holds...
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Old 08-31-2012, 10:12 AM
 
Location: Near a river
16,042 posts, read 18,973,893 times
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Quote:
Originally Posted by highcotton View Post
I have carried personal liability umbrella insurance for decades, increasing it as necessary through the years, which now is just under 8-digits. It's an absolute must to protect your assets and net worth. You never know what the future holds...
Other than a car collision causing injury or death, what else are you covered for in this policy?
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Old 08-31-2012, 10:30 AM
 
9,193 posts, read 9,271,792 times
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Quote:
Other than a car collision causing injury or death, what else are you covered for in this policy?
Umbrella policies that I am familiar with will also cover liability claims in excess of the amount on homeowner's insurance policies. Many people have a $100,000 liability limit on homeowner's and renter's insurance policies and this can be helpful.
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Old 09-09-2012, 10:42 AM
 
Location: 112 Ocean Avenue
5,706 posts, read 8,128,596 times
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Old 09-09-2012, 01:04 PM
mlb
 
Location: North Monterey County
3,179 posts, read 2,855,355 times
Reputation: 4876
My MIL's driver's license has been revoked effective Tuesday. She did not pass the behind the wheel test.

Husband was on the phone with dadinlaw this morning - they are all verklempt, "Oh what ever will we do?"...

He replied - "take a cab, utilize your senior center's transportation, call your younger friends who drive".

Again - they never listen to us. But husband had a very very long talk with his dad this morning about how - if it was his decision - they would have been in asssisted living long ago. Husband will NOT push himself nor this on them - they need to make the decision. However, husband indicated to inlaws that whenever they ask for help - he will be there. In a flash. (Husband is currently unemployed).

MIL wouldn't even come to the phone she's so upset. She also fired her latest doctor who gave her medicine she couldn't tolerate for her stomach troubles.... so she threw all her meds out. This is her tantrum state.

Husband left it - that they should call their daughter (who lives across the country and will most likely tell them she cannot help them because she doesn't want to...).

We expect they will ruminate on all of this and eventually make a decision.
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Old 09-09-2012, 01:13 PM
 
Location: Ponte Vedra Beach FL
14,628 posts, read 17,927,825 times
Reputation: 6716
Quote:
Originally Posted by markg91359 View Post
I don't dispute this point.

However, I want to re-emphasize that one of the major reasons for having umbrella coverage is for the first party benefits that become available to you if you are struck by another driver. There are hordes of people out there on the roads driving either without insurance or with completely inadequate insurance. For example, in my state it is completely legal to have an auto policy that provides only $25,000 in liability coverage. So, if the driver kills or maims someone for life, his maximum obligation under the policy is still only 25K.

Don't only get umbrella coverage. Make certain your umbrella coverage also extends your limits of UM and UIM coverages. The cost differential will be about 25% of your satellite t.v. bill for a month.
Just FWIW - our excess UM coverage costs us $365/year (more than 3 months of cable TV). I think the cost varies a lot depending on how many uninsured drivers live in your state (Florida has a lot). Robyn
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Old 09-22-2012, 08:51 PM
mlb
 
Location: North Monterey County
3,179 posts, read 2,855,355 times
Reputation: 4876
Surprise ending.

My husband is in Los Angeles - helping my inlaws move to assisted living.

Without a car? No food, no restaurants. No mobility. No life.

We had them evaluated for in-home help - but the agency indicated they need 24/7 care - as my MIL is a fall risk and my FIL's health is also deteriorating.

So with that - the decision was easy. Husband had them tour a place they had previously chosen, but according to my MIL it was too depressing (lots of memory care client/residents - and "old people")... So they are moving to a place where there are more independent living retirees....and SOME assisted living.

It's very high end (the folks have longterm care insurance) - and soon they probably will be loving life again.

We are everso relieved.
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Old 09-22-2012, 09:27 PM
 
Location: Los Angeles area
14,018 posts, read 17,735,102 times
Reputation: 32304
Quote:
Originally Posted by mlb View Post
Surprise ending.
My husband is in Los Angeles - helping my inlaws move to assisted living.

Without a car? No food, no restaurants. No mobility. No life.

We had them evaluated for in-home help - but the agency indicated they need 24/7 care - as my MIL is a fall risk and my FIL's health is also deteriorating.

So with that - the decision was easy. Husband had them tour a place they had previously chosen, but according to my MIL it was too depressing (lots of memory care client/residents - and "old people")... So they are moving to a place where there are more independent living retirees....and SOME assisted living.

It's very high end (the folks have longterm care insurance) - and soon they probably will be loving life again.
We are everso relieved.
I am so glad you and your husband did the right thing in forcing change. You may have saved some lives.
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