You have uninsured motorist protection on your own policy

for just such a situation. I think it matches your own liability limits, so if you go state minimus (was $25k in VA back when I sold it) that's the maximum you would be able to collect. You can also add medical payments to most policies that would cover your health expenses in the case where you are injured in an accident and have gone beyond your insurance coverage.

Btw, don't go state minimums on auto insurance. It's worth the extra few bucks to max out your liability insurance, and if you have any significant net worth an umbrella policy is worth it too. Those will cover you if you're sued for anything from a car accident, to somebody injuring themselves on your property, to your kid doing something really stupid and causing financial or physical injury.

[Post edited by wahoo138 at 02/12/2020 07:50AM]

(In response to this post by Tuckahokie)

Posted: 02/12/2020 at 07:40AM

PREV NEXT REPLY

Insert a Link

Enter the title of the link here:

Enter the full web address of the link here -- include the "http://" part:

Current Thread:

VA lawmakers vote to allow illegal immigrants to apply for drivers licenses -- BambooHoo 02/12/2020 06:16AM

Wonder how DMV will determine citizenship status and won’t this actually -- Hooooooooooooooo 02/12/2020 08:57AM

It's a mystery! No one else has ever tried this before. ;) ** -- Seattle .Hoo 02/12/2020 09:01AM

12 states currently do this; Washington since 1993. The idea is for better -- Seattle .Hoo 02/12/2020 08:22AM

They're gonna drive anyway. I almost got creamed by one when she ran a red -- Hoo TV 02/12/2020 09:51AM

Correct. So what do you think the motivation for the bill is? -- Stimp 02/12/2020 10:02AM

I'm all for it. If they're gonna drive regardless, make it possible for at -- Hoo TV 02/12/2020 10:12AM

What motivated the 12 other states to do it? ** -- Seattle .Hoo 02/12/2020 10:03AM

Delete** -- Seattle .Hoo 02/12/2020 08:23AM

There is a bit more in that article. "To obtain the card, they will have to -- 111Balz 02/12/2020 06:59AM

Sounds like a fair amount of information...I wonder if that would deter -- Tuckahokie 02/12/2020 07:22AM

Probably ** -- 111Balz 02/12/2020 07:36AM

They will not qualify for Real ID ** -- BambooHoo 02/12/2020 07:16AM

Guess they won’t be able to sneak in or leave by airplane then. ** -- HooAskedYou 02/12/2020 07:32AM

What happened to the Commonwealth? It is becoming California. ** -- MasterRusty 02/12/2020 06:53AM

Sounds like it’s also a database of undocumented immigrants? -- 757 02/12/2020 06:51AM

The additional carbon footprint would piss me off if they weren't brown!!! ** -- ResistHoo 02/12/2020 06:36AM

Do you guys have mandatory insurance requirements? ** -- TpkeHoo 02/12/2020 06:18AM

$500 uninsured motor vehicle fee allows driving at your own risk in lieu of ** -- BambooHoo 02/12/2020 06:27AM

Insurance gurus...a question...if an uninsured motorist with little or no -- Tuckahokie 02/12/2020 07:20AM

You have uninsured motorist protection on your own policy -- wahoo138 02/12/2020 07:40AM

Yep, crank up those coverage limits, and raise the deductible if you want -- Hoodafan 02/12/2020 08:03AM

If you have uninsured motorist coverage. ** -- 81_Hokie 02/12/2020 07:37AM

I don't think it's optional but I could be wrong -- wahoo138 02/12/2020 07:48AM

In Colorado it’s mandatory offer. If the application isn’t -- southdenverhoo 02/12/2020 08:50AM

It's not, and I recall the USAA guy being shocked how little it cost in VA. -- Hoodafan 02/12/2020 08:09AM

Yeah I think it is literally like 4 or 5 bucks -- wahoo138 02/12/2020 08:55AM

Agree completely. Sadly sometimes the nanny state does have to protect us -- Hoodafan 02/12/2020 09:02AM

They don't make any money on inspections -- wahoo138 02/12/2020 09:11AM

But they definitely make money on repairs required after failed inspections -- Hoo TV 02/12/2020 10:22AM

Don't know... may depend on the state. It seems in PA I had the option but -- 81_Hokie 02/12/2020 08:00AM

Yeah it varies by state. Actually likely to not be required in some states -- wahoo138 02/12/2020 08:12AM

Agree, especially with your last! ** -- 81_Hokie 02/12/2020 08:15AM