Uninsured is a good idea. Son was in hit & run
by Irishrock (2019-04-22 23:38:56)

In reply to: Auto insur. quest: 100K/300K/100K vs. 300K/500K/300K.  posted by G.K.Chesterton

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Totaled his truck

They found the guy and he only had $25k in insurance

He ended up getting all of that and more with underinsured coverage

Thankfully he did not get a huge settlement as I was told by an attorney that one should hope to never get a huge settlement as the injury would be so catastrophic that future quality of life would suffer

Another good reason to have an Umbrella
by Denver Jim  (2019-04-23 00:31:22)     cannot delete  |  Edit  |  Return to Board  |  Ignore Poster   |   Highlight Poster  |   Reply to Post

policy, at least here in Colorado. Say you have a 1 million umbrella, you have that much coverage for uninsured/underinsured over and above the primary coverage. It varies from state to state so you need to check your policy. You’re right though, if you get to that coverage you’re probably in pretty bad shape.