A year and 7 months later?

[S15SiLVia]

A friend of mine was an accident a year and 7 months ago. a brief story of the accident, my friend was at a green arrow so he went. A car coming straight on hits him. He injured his arm when it happened. It was taken to court and my friend lost the case. Now a year and 7 months later, a lawsuit shows up, the opponent's arguement is:
1) damage to emotional distress, pain and suffering,
2) Future medical expenses to be incurred by Plaintiff in an amount to be proven at time of trial,
3) Damages of disfigurement, permanency, and other physical injuries,
4) For court costs incurred,
5) For such other and further relief as the Court deems just and proper.
Isn't there a timeframe on these things? It's been almost 2 years, and now they say they're stressing out? What is there for my friend to do?

[Weston]

I'm not sure what the statute of limitations is for this but it sounds like the fucker just wants money. If he had the protected turn arrow, it should be a simple case of the other guy being at fault and this clown wouldn't have a chance in court. What caused your friend to lose his case?

[S15SiLVia]

There was no proof that his opponent ran his red light

[MirageZ31]

First off my arm didn't get broken, just badly bruised. Well I'm looking into buying a brand new car sometime within this month. I even got to test drive a 2.5RS and when I got home today I get some bull shit letter telling me that this guy's attorney is trying to sue me. What the fuck? Guess my new car is going to have to wait.

[HONDA GHANDI]

In that case your friend is innocent until proven guilty. If there is no evidence that the other person ran the red then ther must be evidence that your friend was in the wrong somehow. Otherwise the case would have been bounced.

[HONDA GHANDI]

If he is sueing he should be sending the letter to the insurance company. Not you, unless you didnt have insurance. In which case you better pucker up.

[MirageZ31]

During the first case a year and 7 months ago I was guilty and everything was settled. I had insurance at the time too. Now a year and 7 months later I get sued again? What the hell? But were going to call the insurance company tomorrow.

[BlueFang08]

OH you think thats bad, my junior year of high school i got a 95 civic. And I got in an accident with this guy and he had his 5 year old daughter. She wasn't injured very bad just was knocked out but the they keeped her over night and said she was fine. NOW
Almost 4 years later the bitch is suing me saying that, THAT accident cause all these problems and all kinds of other shit.

For anyone over the age of 21 you can sue up to 2 years after, But if its a minior they can sue untill its 2 years after or untill they are 21.

Shitty huh

[HONDA GHANDI]

During the first case a year and 7 months ago I was guilty and everything was settled. I had insurance at the time too. Now a year and 7 months later I get sued again? What the hell? But were going to call the insurance company tomorrow.


If your insurance coverage didnt entirely cover their medical expences they can come after you. Id call the insurance company tomorrow and while you are hold with them for an hour look up your lawyers number too.

[MirageZ31]

I had liabilty. Wouldn't that cover it?

[preludeshfan]

I had liabilty. Wouldn't that cover it?

Ha Ha lol, sorry, since i have this argument with people every day (i am an insurance agent) i had to chuckle.

here is the deal. thats what many people think, the problem is how much coverage did you have? if you had state minimums (25k per person/ 50K per accident) there is your whole problem.
you should carry at a minimum 250k/ 500K for liability. your insurance company is only obligated to pay what you agreed to for coverage. if you have exceeded that amount of coverage you have to pay the rest.
if your one of the people that when asked by an agent what coverage you want. never reply with "the cheapest" you might get exactly what you asked for. and unfortunatly you will wind up in the exact same situation your in now.

with the proper coverage your insurance company would be stepping up to the plate, (or at least should) to represent you both financially and legally on your behalf. that is the reason you buy insurance, to protect your butt. if the agent that sold you the insurance did his job right in the first place this never would have happend. but because of companies like Gieco and Progressive that have absolutly no problem selling you CRAP insurance to save you a few bucks people like yourself find themselves in this exact situation.
sure they might save you 15% or more on your car insurance but at what cost? in the end sometimes you get exactly what you pay for with insurance, sometimes even less.

out of curiousity, what company do you have? what are your limits? i only ask because if you have a personal agent like myself from a mainstreem company you should go to your agent and kick him in the nuts and then threaten to sue him for poorly advising you on your insurance needs. if you have an insurance company with a 1-800 number than there isnt much you can do beause companies like that have a call center and you will never know who sold you that coverage.
i would be willing to bet you could call any of my clients and they could tell you EXACTLY what coverage they have and why they bought it. the reason is because as their personal insurance advisor i explain every single peice of their coverage to them and exactly why they need it.
out of my entire agency there is not 1 single person that carries less than 250/500 coverage and 80% of thoes people carry an additional 1 million coverage. that is a combined coverage of $1,250,000 per person and $1,500,000 per accident. compare that to state minimums of 25,000 / 50,000 and its obvious why my coverage will never leave a client running to me with your story.
the really sad part is that the price difference between the max and minimum coverage ive outlined here is maby between 20-30 bucks a month. if you ask me i would rather pay 50 more a month to avoid going through what your dealing with right now.

[Dave_L]

preludeshfan: that is correct as of now.

But before July 1, 2003 Colorado was a no fault state. Some people might remembering about the big switch in the news around that time. Before that, no matter who was at fault, your own insurance company was responsible for paying your medical bills. It was called PIP or personal injury protection. It was the reason that Colorado rates were so high compared to other states. The PIP included medical bills, loss of work and a bunch of other stuff. So even if you were at fault, if it was before july 1, 2003, then the other guys insurance should have paid for his medical bills. Its just how the state of Colorado was. Now if you are in an accident and its your fault you could get royally screwed if you dont have the right coverages.

[Dave_L]

[QUOTE=preludeshfan] 80% of thoes people carry an additional 1 million coverage. that is a combined coverage of $1,250,000 per person and $1,500,000 per accident. QUOTE]

Are you talking about a personal umbrella policy? If so, what company are you with. I always thought most companies didnt stack their limits. It was always up to a million dollars on the PUP if you went over the limits on the auto or homeowners policy. Not a million plus the 250,000 or 500,000 from the auto policy. I know it varies company to company but i was thinking thats how most companies were.

P.S. i work for Allstate.

[MirageZ31]

My insurance company is Allstate and I don't know my limits at the time I had my Accord. We called my insurance company and our insurance agent is not at work yet, but will call us later today. I'll get back to you guys about this when I get more info.

[Dave_L]

My insurance company is Allstate and I don't know my limits at the time I had my Accord. We called my insurance company and our insurance agent is not at work yet, but will call us later today. I'll get back to you guys about this when I get more info.
If you have your policy number, i can pull up your policy and tell you what your limits were.

[MirageZ31]

Thanks everyone, but the insurance company just told us to send them a copy of the papers that I got yesterday and they will deal with it.

[David]

go find them and kick there asses for taking advantage of the system and being good for nothing pussies that think their actions dont effect others

[MirageZ31]

go find them and kick there asses for taking advantage of the system and being good for nothing pussies that think their actions dont effect others
HAI beat down? :D

[David]

yes

the weapon of choice for this weeks HAI beat down - A halabit

[Skaterkid]

You mean Halibut the fish?

[David]

r u saeying eye kant spel?

[djet820]

Hukt aHn fOnixE wRkTd fUr UUUU

[MirageZ31]

I feel so thread jack :D

[SpeedStar91]

Ha Ha lol, sorry, since i have this argument with people every day (i am an insurance agent) i had to chuckle......a month to avoid going through what your dealing with right now.

wow, that's good to know.

[preludeshfan]

preludeshfan: that is correct as of now.

But before July 1, 2003 Colorado was a no fault state. Some people might remembering about the big switch in the news around that time. Before that, no matter who was at fault, your own insurance company was responsible for paying your medical bills. It was called PIP or personal injury protection. It was the reason that Colorado rates were so high compared to other states. The PIP included medical bills, loss of work and a bunch of other stuff. So even if you were at fault, if it was before july 1, 2003, then the other guys insurance should have paid for his medical bills. Its just how the state of Colorado was. Now if you are in an accident and its your fault you could get royally screwed if you dont have the right coverages.

trust me i know the law and i know what PIP was i am licensed and i have had this conversation almost daily with everyone i meet.
and youe your 100% correct. except for the illusion that the press made by saying that our rates would drop when we took away PIP. the thing people didnt understand is that just because you take away the medical coverage doesnt mean the injuries of the same accident are any different or cost any less. the only difference is that now your liability limits have to cover the person you injured. you have to rely on your own medical insurance for your injuries if your at fault. the injuries are still there and still cost the same so now you need to increase your liability limits. 100/300 used to be sort of close to sufficient coverage with PIP. now its definitly not enough. ive already seen people blow through a 250,000 per person limit from a rear end accident and with no umbrella are still getting sued.

as for your umbrella question i dont know what allstate does but at american national the umbrella is a separate policy that kicks in to add an additional 1 mill to the coverage of your auto or home insurance limits. there is a retained limit of 1000 that is just like a deductible when the umb kicks in. it also provides 1 mill for anything in between not covered by the auto or home.
when i say 1 mill that is just the most common we write umbrellas up to 5 million.
and im not trying to directly poke at you for working at allstate. i dont know your position there but i guess because since i get a lot of leads on the net allstate has been a major pain in my ass lately. every time one of my leads gets contacted by an allstate agent. the agent is so desparate for the business that they actually give a quote on a 200,000 replacement cost dwelling and reduce the coverage by 20% i know allstate offeres an additional 20% replacement cost just like we offer 25%. anyway by reducing the dwelling coverage by 20% they have now used up all the "buffer" for the replacement of the home. thins leaves the client underinsured if the actual cost to rebuild the house exceeds the 200K.
whoever this allstate agent is seems to be so desparate to have a lower price than all the other agents that they will actually sell reduced limits of coverage to get a sale based on price.
i hope your not that agent. but if you are let me let you in on a little secrit. American NAtionals rates are so low that i am able to offer people the full 200K coverage with the additional 25% on top bringing the replacement cost to 250K in this example. also i include law or ordinance coverage and still come out hundreds lower than allstate , shelter, amfam, and well pretty much everyone. ive seen the other quotes.
then on top of that after they carry home and auto with us for 3 years and are claim free we refund the client 25% of their money every year after that. in fact i quoted an insurance policy to a woman with a very expensive house 1150 a year in refunds just for being claim free.
also we have common cause of loss deductible which means if for example you have a hail storm and have damage to all your cars, boat, trailer, rental property or anything else insured with us. you pay 1 deductible rather than 500 for each car 1000 for the house ect...

im not trying to brag or make you feel bad but considering the way i have seen allstate insurance sold for the last year or so that i have been getting leads online. also considering how allstates rating slipped 2 notches in FL after the hurricanes. im giving you some info that may be of interest to you.
give me a call, move over from the dark side. ANPAC pays way better commissions, has the most affordable insurance in colorado, is the FASTEST growing ins company in the US and has so many unique features and ways to better serve the client than any company i know of.
you might consider a change. and if your that other allstate agent im sharing my internet leads with you dont stand a chance! lol you know what they say. if you cant beat them, join them.
anyway if your interested in a carrear move call my office ill get you all the info you need. trust me it would be a real eye opener.
in the mean time visit our website at www.anpac.com you will find all of the programs here i mentioned which are to name a few extras

CASHBACK
Common cause of loss deductible.
TLC discount (tri line coverage)
ChROME
EASYPAY
AMERICYCLE
SAFEHARBOR
TRAVELSTAR

all unique programs that NO other company offeres and all reasons other companies cant compete with us.

719-572-0900
Kevin

[MirageZ31]

Just to let everyone know my accident was March 2003 before that was passed

[Dave_L]

preludeshfan: It would be interesting to talk to you in person. Maybe if you come to a meet or something we can talk further.

I agree with you that the press gave the wrong impression about insurance rates once the PIP went away. All it did was make other coverages go up in price. If anything, it definitly put you at higher risk of a lawsuit.

I am very happy with Allstate right now. There are a lot of shady agents out there tho. Just like any company. We also have some excellent rates right now. I can almost garauntee that if it is a brand new home then we will have unbeatable rates on it. Some things i know we arent very competetive on but thats ok with me.

[rmcdaniels]

On the subject of how much insurance to carry, the purpose of liability insurance is to protect assets. If you rent your home, lease your car, and have no savings/investments, then you have little to protect. If there is a large judgement against you, then you have nothing for anyone to go after, if they persist, then you declare bankruptcy and carry on. If you have a lot of assets, then you need insurance to protect them in the event of an unfavorable judgement. I work hard to keep my personal net worth negative, so if anyone obtains a significant judgement against me, good luck to them trying to collect.

If you don't believe me, ask a lawyer. Insurance agents have a different take on this, but they also have a vested interest in seeing you get as much insurance as you can.

[preludeshfan]

On the subject of how much insurance to carry, the purpose of liability insurance is to protect assets. If you rent your home, lease your car, and have no savings/investments, then you have little to protect. If there is a large judgement against you, then you have nothing for anyone to go after, if they persist, then you declare bankruptcy and carry on. If you have a lot of assets, then you need insurance to protect them in the event of an unfavorable judgement. I work hard to keep my personal net worth negative, so if anyone obtains a significant judgement against me, good luck to them trying to collect.

If you don't believe me, ask a lawyer. Insurance agents have a different take on this, but they also have a vested interest in seeing you get as much insurance as you can.


i hear what your saying and all but i dont agree with your logic. i know many people have that logic but consider this.
suppose you are the victom of a terrible accident. lets say your own spouce or child is seriously brain damaged for life or worse killed because of the negligence of someone else. how would you feel if they were some poor sap who had nothing and also was too cheap to buy the correct amount of coverage? yea sure they don't have anything to take. they file bankruptsy and all that. how does that help you? are you saying you would be cool with the fact you cant get a dime for pain and suffering for yourself or own family?

if you ask me you have a moral obligation to the people you hurt because of your negligence. so if you ask me there is no good excuse to just carry less coverage because your poor. if you have the means to buy, license, and insure an automobile and drive it on a public street that i use you better have good insurance if you hit me or my family.
if you take the attitude that just because you have nothing to take i would hope that you have enough decency to at least be able to make it right with yourself and the people you hurt by having the insurance needed to help their family.
i think everyone has a moral obligation to clean up the mess of someones life you leave behind when you know you caused it in the first place.

yea i am sure a laywer would tell you that. it sounds exactly what i would expect from a laywer. laywers get their kicks off of getting the guilty guy off easy. they are experts at twisting the truth and making what should be morally right legally wrong. thats why there are a lot of innocent people behind bars and many guilty people walking the streets. of course if you ask a layer about that they would deny it. mostly because your average laywer is going to be so committed to proving their client was innocent even when they know they are guilty as hell. after all if they didnt win cases they would have a tough time getting paid and even more problems getting referrals from the people they get off the hook to reccommend other people to that laywer. im sure a laywer that looses cases won't have many new defendants knocking on their door.
i wonder what a laywer would say if he was the victom of a horrible accident and the guilty guy had no money or insurance. how would he collect? would he think it was fair if he was the victom himself? hmm i wonder if he would also feel the same way that it would be good to reccommend that you carry state minimum coverage just because you have nothing to loose.

[preludeshfan]

preludeshfan: It would be interesting to talk to you in person. Maybe if you come to a meet or something we can talk further.

I agree with you that the press gave the wrong impression about insurance rates once the PIP went away. All it did was make other coverages go up in price. If anything, it definitly put you at higher risk of a lawsuit.

I am very happy with Allstate right now. There are a lot of shady agents out there tho. Just like any company. We also have some excellent rates right now. I can almost garauntee that if it is a brand new home then we will have unbeatable rates on it. Some things i know we arent very competetive on but thats ok with me.

actually i would be willing to lay 100 bucks that says we kick allstates ass on new homes. i just insured a new 2004 built home for 300K. with good credit and law or ordinance coverage, replacement cost of roof, 125% replacement of the dwelling, water sewer backup, SH-3 policy. you get the idea, a full blown coverage package. premium was somthing like $550 a year!

we are the lowest in colorado springs. i know this for a fact because i have myself got quotes from several of the major name companies and compared their rates to ours and in every single case we beat them by hundereds every time.

as much emphasis as i am putting on the rates i should say it really doesnt matter to me much considering i dont sell price anyway. i could still sell our insurance even we werent the cheapest. the people that buy from me buy because i have earned their trust by outlining the most complete and comprehensive insurance package i can put together. i dont tell them the price untill i know they are ready to buy soley based on the coverage i put together.
the reason i do this is because if you sell your client on price alone they will walk to the next insurance company with the lower rates when your company has a rate increase. a price sold customer doesnt understand the value of the coverage and protection you are providing for them. to them it's all about the price. granted the price does make it easier for them to say yes but a good agent sells COVERAGE not POLICIES. there is a big difference between the 2 the trick is to learn the difference and sell the coverage, not the price.

ill leave you with a little food for thought. i have been an agent with american national for just about 1.5 years. i know thats not long but of the 185 households i have written in the past 17 months i have lost (count them) 5 households because they either moved or didnt pay their premiums. i have YET to loose a single client because they went shopping on renewal.

but this concept of selling insurance seems to be unique to american national. we have and i quote "the highest retention ratio of any single insurance company nation wide" in fact statistics show that 90% of clients insured with american national that carry at a minimum of auto and home stay with the company.
another fact we paid out over 54 million dollars in cashback refunds since we began the cashback program. last year we paid out 11 million and to date in colorado somthing like just over 1 million in cash back refunds.
even with that we still grew as a company by 36% from last year to this.
last year we had 12 billion in assetts and this year we have over 15 billion in assetts. as a result we have been lowering rates across the US all through last year.

well i guess i dont need to go on you get the idea. i dont know why im telling you all this. if your happy where you are then stay i guess. just some interesting food for thought.

[Motto P]

that sucks dude if you want I can testifie on your be half I'm call you

[Dave_L]

as much emphasis as i am putting on the rates i should say it really doesnt matter to me much considering i dont sell price anyway. the reason i do this is because if you sell your client on price alone they will walk to the next insurance company with the lower rates when your company has a rate increase. a price sold customer doesnt understand the value of the coverage and protection you are providing for them. to them it's all about the price. granted the price does make it easier for them to say yes but a good agent sells COVERAGE not POLICIES.
Once again i agree with you on this. If you sell just on price you wont last in the long run. I am actually not the agent. My dad is the agent and has been in this location for 7 or 8 years. I have been working for him for about 2 1/2 years now. We do a lot more for our customers than probably 90% of the agents out there. We have had our customer tell us that they stay with us even tho we might be a little higher sometimes anyways and honestly if someone moves companies because of a small price difference i dont want to insure them anyways. I understand at some points in life there are times where you have to save money any way you can and most customers that leave us for price is due to that reason. As soon as they get back on thier feet again they come back because they were so satisfied with our service.

As far as the rates in Colorado Springs, I am not too familiar with our rates down there. I know our rates are higher there than they are in the Castle Rock, Parker, and highlands Ranch area. Just like any company, we have our rating territories and stuff. Some areas are more expensive to insure than others and it varies from company to company depending on how many losses in that are, etc. It would be interesting to compare some rates with you at some point. I know that we have some very competitive rates in our area.

[rmcdaniels]

i hear what your saying and all but i dont agree with your logic. i know many people have that logic but consider this.
suppose you are the victom of a terrible accident. lets say your own spouce or child is seriously brain damaged for life or worse killed because of the negligence of someone else. how would you feel if they were some poor sap who had nothing and also was too cheap to buy the correct amount of coverage? yea sure they don't have anything to take. they file bankruptsy and all that. how does that help you? are you saying you would be cool with the fact you cant get a dime for pain and suffering for yourself or own family?

if you ask me you have a moral obligation to the people you hurt because of your negligence. so if you ask me there is no good excuse to just carry less coverage because your poor. if you have the means to buy, license, and insure an automobile and drive it on a public street that i use you better have good insurance if you hit me or my family.
if you take the attitude that just because you have nothing to take i would hope that you have enough decency to at least be able to make it right with yourself and the people you hurt by having the insurance needed to help their family.
i think everyone has a moral obligation to clean up the mess of someones life you leave behind when you know you caused it in the first place.

yea i am sure a laywer would tell you that. it sounds exactly what i would expect from a laywer. laywers get their kicks off of getting the guilty guy off easy. they are experts at twisting the truth and making what should be morally right legally wrong. thats why there are a lot of innocent people behind bars and many guilty people walking the streets. of course if you ask a layer about that they would deny it. mostly because your average laywer is going to be so committed to proving their client was innocent even when they know they are guilty as hell. after all if they didnt win cases they would have a tough time getting paid and even more problems getting referrals from the people they get off the hook to reccommend other people to that laywer. im sure a laywer that looses cases won't have many new defendants knocking on their door.
i wonder what a laywer would say if he was the victom of a horrible accident and the guilty guy had no money or insurance. how would he collect? would he think it was fair if he was the victom himself? hmm i wonder if he would also feel the same way that it would be good to reccommend that you carry state minimum coverage just because you have nothing to loose.

As far as my family being injured, I have medical insurance to make sure they get the care we need.

Where "pain and suffering" are concerned, I don't think that that is something that can be compensated for and I think that the whole concept of payment for "pain and suffering" has been abused to the point where it has seriously damaged our society. Liability requirements for businesses are ridiculous, requiring business owners to protect complete strangers from their own stupidity, and people have learned that a minior accident is their ticket to a multi-million dollar settlement if they are litigious enough. I have far more respect for lawyers that defend guilty clients than for greedy ambulance chasers looking to get rich quick off of a sympathetic jury.

Were talking about traffic "accidents" here, if the person who causes the accident is found to be negligent, then they should be charged criminally and tried. Ambulance chaser lawyers going after insurance companies for outrageous settlements is not the answer.

[computingfuture]

Why dont I believe salesman that make their money from comissions?

[preludeshfan]

As far as my family being injured, I have medical insurance to make sure they get the care we need.

Where "pain and suffering" are concerned, I don't think that that is something that can be compensated for and I think that the whole concept of payment for "pain and suffering" has been abused to the point where it has seriously damaged our society. Liability requirements for businesses are ridiculous, requiring business owners to protect complete strangers from their own stupidity, and people have learned that a minior accident is their ticket to a multi-million dollar settlement if they are litigious enough. I have far more respect for lawyers that defend guilty clients than for greedy ambulance chasers looking to get rich quick off of a sympathetic jury.

Were talking about traffic "accidents" here, if the person who causes the accident is found to be negligent, then they should be charged criminally and tried. Ambulance chaser lawyers going after insurance companies for outrageous settlements is not the answer.

i hear what your saying but i guess untill you find yourself in the situation of the victom you really cant speculate what you might do or what you might think is fair compensation. you might not agree now but if you have a deductible on your health insurance you will most certainly experience out of pocket expenses that your health insurance doesnt cover. and im 100% confident that as good as any health plan you could possibly have it isnt 100% co insurance. best i have seen even with a good plan is 90% you pay 10%. i dont think untill you experience it yourself you might be suprised at the absolute rage you would feel for the loss of a loved one.
sure a settlement wont bring the person back but i think being able to replace their income for the family if disabled might be a step in the right direction.
i am sure you can think of many reasons why you feel your justified in carrying minimum limits of coverage. i can think of just as many as to why you shouldnt. but it's ultimatly your decision. if you feel saving 20 bucks a month for the lesser coverage is ok for you i cant change your mind. i just know i would never insure you with thoes limits. i would and often send people who think the way you do to companies like gieco and progressive. companies who have agents that just dont give a damn and are more interested in saving you 15% or more on your car insurance by selling you state minimum coverage. not everyone gets the concept. if they did we wouldnt have to have the state mandate a minimum requirement of insurance in the state. if it werent for that law im sure people like yourself would have no problem driving around with no insurance at all. they would all take the attitude of "opps sorry i killed your kid and im sorry i caused you to be a vegtable for the rest of your life. it's not my problem, you clean up the mess i leave behind.

if you carry state minimum whats the difference? you cause 10,000 or 1,000,000 in damages it really doesnt make any difference if your attitude is to let someone you injured just deal with it because you were too cheap to pay another 20 a month for a decent policy.
the sad part is all im talking about from state minimums to 250/500 coverage is maybe 20 bucks a month, honestly. is that too much to ask?

[preludeshfan]

Why dont I believe salesman that make their money from comissions?

do you really think i would care about an extra 2 bucks in sales commissions for giving what i feel to be good coverage to my clients means anything to me?
sure ill admidt i make damn good money selling insurance. but i dont let that go to my head. i would rather throw away all my commissions from a sale by sending someone down the road to another company then sell them what i know to be shitty coverage.

[rmcdaniels]

i hear what your saying but i guess untill you find yourself in the situation of the victom you really cant speculate what you might do or what you might think is fair compensation. you might not agree now but if you have a deductible on your health insurance you will most certainly experience out of pocket expenses that your health insurance doesnt cover. and im 100% confident that as good as any health plan you could possibly have it isnt 100% co insurance. best i have seen even with a good plan is 90% you pay 10%. i dont think untill you experience it yourself you might be suprised at the absolute rage you would feel for the loss of a loved one.
sure a settlement wont bring the person back but i think being able to replace their income for the family if disabled might be a step in the right direction.
i am sure you can think of many reasons why you feel your justified in carrying minimum limits of coverage. i can think of just as many as to why you shouldnt. but it's ultimatly your decision. if you feel saving 20 bucks a month for the lesser coverage is ok for you i cant change your mind. i just know i would never insure you with thoes limits. i would and often send people who think the way you do to companies like gieco and progressive. companies who have agents that just dont give a damn and are more interested in saving you 15% or more on your car insurance by selling you state minimum coverage. not everyone gets the concept. if they did we wouldnt have to have the state mandate a minimum requirement of insurance in the state. if it werent for that law im sure people like yourself would have no problem driving around with no insurance at all. they would all take the attitude of "opps sorry i killed your kid and im sorry i caused you to be a vegtable for the rest of your life. it's not my problem, you clean up the mess i leave behind.

if you carry state minimum whats the difference? you cause 10,000 or 1,000,000 in damages it really doesnt make any difference if your attitude is to let someone you injured just deal with it because you were too cheap to pay another 20 a month for a decent policy.
the sad part is all im talking about from state minimums to 250/500 coverage is maybe 20 bucks a month, honestly. is that too much to ask?

It's not about taking care of other people or cleaning up messes. The purpose of liability insurance is to protect assets. That's the reason liability insurance exists. That is the actual true purpose of liability insurance. All the other feel-good crap is just propaganda spouted by insurance companies and sleazy ambulance chasing lawyers. If you have a family member whose income you can't do without, as is the case with my income, then you buy life and long-term disability insurance, which is exactly what I buy. I get it through the group plan at my company, it is very cheap, and no sleazy lawyers get rich off of it. I also have several other kinds of insurance, as does my wife. The idea that in the event of an accident somebody else should be responsible for taking care of you and your family is naive at best, more like irresponsible.The person responsible for taking care of me and my family is me, and I don't put that off on anybody else.

[preludeshfan]

It's not about taking care of other people or cleaning up messes. The purpose of liability insurance is to protect assets. That's the reason liability insurance exists. That is the actual true purpose of liability insurance. All the other feel-good crap is just propaganda spouted by insurance companies and sleazy ambulance chasing lawyers. If you have a family member whose income you can't do without, as is the case with my income, then you buy life and long-term disability insurance, which is exactly what I buy. I get it through the group plan at my company, it is very cheap, and no sleazy lawyers get rich off of it. I also have several other kinds of insurance, as does my wife. The idea that in the event of an accident somebody else should be responsible for taking care of you and your family is naive at best, more like irresponsible.The person responsible for taking care of me and my family is me, and I don't put that off on anybody else.

man, lol you have so much to learn.. well im done here i might as well be talking to a rock. well good luck to you. your right the attorneys are sleazy i just hope if you seriously injure someone they dont garnish 2/3rds of your income to make good on the judgement. i know someone i just insured last week. nice young fellow in the military who is doing exactly that because of an accident he caused several years ago. he is only 20 years old and he gets the concept. he is still paying for it and will be paying probly for another several years. im sure only because he has already experienced exactly what ive been trying to pound into your head. just wait till it happens to you and a Judge and a sleazy ambulance chaser attorney rule that you pay restitution and begin garnishment of your income. you just remember this conversation and remember me telling you i told you so.
best of luck! i think your going to need it.

[rmcdaniels]

man, lol you have so much to learn.. well im done here i might as well be talking to a rock. well good luck to you. your right the attorneys are sleazy i just hope if you seriously injure someone they dont garnish 2/3rds of your income to make good on the judgement. i know someone i just insured last week. nice young fellow in the military who is doing exactly that because of an accident he caused several years ago. he is only 20 years old and he gets the concept. he is still paying for it and will be paying probly for another several years. im sure only because he has already experienced exactly what ive been trying to pound into your head. just wait till it happens to you and a Judge and a sleazy ambulance chaser attorney rule that you pay restitution and begin garnishment of your income. you just remember this conversation and remember me telling you i told you so.
best of luck! i think your going to need it.

Nice condescension, asshole. Thank goodness there are insurance salespersons to regale us with third party horror stories about people who didn't buy enough of their product. As for a 2/3 garnishment, I was in the military for a long time and know exactly why those happen. The world is not a fair place, the military is certainly no exception. I've faced 2/3 garnishments before over some issues with my ex-wife and fought them successfully. It takes a lot of work and a good private attorney, but if you don't look out for your interests, don't count on anybody else to.

I'd encourage everyone to research the insurance issue themselves, there are books about it that you can read. Also don't hesitate to consult with a reputable private attorney on the subject, just make sure it is not a "free" consultation, because you'll get what you pay for. Insurance agents make their mortgage payments and put food on their families tables by selling more insurance. They may be perfectly nice people and really want to help others, but their bottom line is subject to how much insurance they can sell and that makes them biased.