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modernhomeowner t1_ixfi4m4 wrote

Reply to comment by 1000thusername in The 17 victims of the Hingham Apple Store crash might have to share a $40,000 insurance payout. by il_biciclista

Yes, and get an umbrella with Under/uninsured coverage! That will get you $1M or more. There are too many ill-insured driver's out there.

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il_biciclista OP t1_ixfm13i wrote

That's what I have, because I'm fortunate enough to afford it. If you're less fortunate, the options might be medical debt or bankruptcy.

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HistoricalBridge7 t1_ixggtma wrote

I’ve seen the saying that some people are lawsuit proof. You can win a million dollar lawsuit against someone but it doesn’t mean you will actually collect a dime. I’ve also heard (would love a personal injury attorney to chime in) that the first thing lawyers do is look people up in Lexis nexus for insurance information along with an asset search. So having good insurance and umbrella insurance will actually increase your chance of a lawsuit. I’d personally still have it because I own my home and have some assets.

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hamakabi t1_ixhc1zh wrote

funny, I had this same thought about your suggestion that I pay for twice as much insurance coverage just because some other douchebags can't drive and it makes you personally offended.

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il_biciclista OP t1_ixhd6ct wrote

>funny, I had this same thought about your suggestion that I pay for twice as much insurance coverage just because some other douchebags can't drive and it makes you personally offended.

To be clear: I'm not personally offended that some douchebags can't drive. I'm personally offended that 17 people just got run over by a car, and are likely going to be stuck with large medical bills and little help paying them. I'm personally offended that this happens literally every day in this country.

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[deleted] t1_ixgsl18 wrote

[deleted]

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modernhomeowner t1_ixh8elo wrote

Auto and homeowners. A renters policy is a form of homeowners coverage. Even way back when I lived with my parents, I bought a renters policy so I could have an umbrella.

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