kgc1911
Well-Known Member
Is there anything I should add to this or anything I should raise up on this and why???
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A few things I've learned in the nearly 50 years I've been buying insurance is that any insurance company will try to figure out a way NOT to pay a claim if they can. You only need medical coveage once, if it's good enough. In my case, I've got great medical coverage through my health insurance so I don't even carry any medical on my bike or car insurance and I've never used medical coverage on a vehicle related incident in my life anyway. If you don't have medical insurance outside of your vehicle insurance then make sure you're covered. My corporate attorney told me once, the more liability insurance you have, the more you'll get sued for. When we were gauging how much we should carry, he told me from an atorney's standpoint, never sue for more than you have any chance you'll get. If you have $1,000,000 coverage, and have a nasty accident YOU are responsible for, that's what you'll be sued for. I'll bet the majority of drivers/riders fill the insurance company's pockets out of fear they get sued because that's what the insurance companies use as their marketing strategy. I won't be fooled again!
I carry 100/300/50 full coverage, $250 decidable, pay $212 a year.
I think you need to at least double the amounts you have, you are too exposed.
I as have a $1,000,000 umbrella policy, $144 a year, and short and long term disability, I get those through work.
I know insurance seems like a rip off but when you need it it is so important.
The number one cause of bankruptcy is due to health costs do the a lack of insurance.
I think it is a small price to pay.
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A few things I've learned in the nearly 50 years I've been buying insurance is that any insurance company will try to figure out a way NOT to pay a claim if they can. You only need medical coveage once, if it's good enough. In my case, I've got great medical coverage through my health insurance so I don't even carry any medical on my bike or car insurance and I've never used medical coverage on a vehicle related incident in my life anyway. If you don't have medical insurance outside of your vehicle insurance then make sure you're covered. My corporate attorney told me once, the more liability insurance you have, the more you'll get sued for. When we were gauging how much we should carry, he told me from an atorney's standpoint, never sue for more than you have any chance you'll get. If you have $1,000,000 coverage, and have a nasty accident YOU are responsible for, that's what you'll be sued for. I'll bet the majority of drivers/riders fill the insurance company's pockets out of fear they get sued because that's what the insurance companies use as their marketing strategy. I won't be fooled again!