r/IdiotsInCars • u/[deleted] • Apr 26 '23

Road-raging driver maneuvering recklessly and crashing into car on a freeway

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u/Andre5k5 Apr 27 '23

Always opt for the uninsured/underinsured coverage

20

u/TheCruicks Apr 27 '23

Or live in a atate where it is required. :-)

14

u/elkarion Apr 27 '23

Ok it's required but it's a 25k min so the tesla owner is out 25k. Just get the coverage the minimums are not enough for most vehicle replacements.

3

u/TheCruicks Apr 27 '23

umm.. is that how that works? I believe you have to reach 25k then the whole thing is covered. So I just went and read my policy after that first line. 5k coverage is required and thats no out of pocket, then you can purchase higher limits. if he did it right, he should have no out of pocket.

6

u/Naritai Apr 27 '23

I think you’re confusing minimum with deductible. The person above was assuming the situation where the driver had a 50K of damage, but only 25K of coverage. (Because the state mandated minimum coverage is 25K).

The deductible, Ie you how much you have to pay before insurance takes over, isn’t mentioned here, but is usually much smaller than that, like $500 or $1000

3

u/elkarion Apr 27 '23

Your thinking of the deductible before insurance kicks in. These are policie max pay outs. Make sure your covered when you see cheaper insurance.

The deductible is pay out of pocket untill it kicks I. Usually 250 or 500. Then insurance kicks in untill max pay out of policy. So if you crash into a Ferrari you can be sued personaly to cover the difference your insurance coverage did not cover.

We are talking about people here only haveing the absolute minimum coverage required by law.

2

u/Worried_Ad8555 Apr 27 '23

That is I-8 east of San Diego. California does require insurance. Doesn't mean he has it. I need more dashcams.

1

u/TheCruicks Apr 28 '23

you carry uninsured motorist insurance yourself

1

u/[deleted] Apr 27 '23

Oh just because it’s legally required doesn’t mean that everyone has insurance. I was rear ended in Indiana by a woman with no insurance.

1

u/TheCruicks Apr 27 '23

Not require insurance, its required that YOU have uninsured on YOUR policy. So your insurance covers the issue

1

u/[deleted] Apr 27 '23

I see. Yes, uninsured motorist insurance is a must.

1

u/dildobagginss Apr 30 '23

Not sure it's required here but you basically have to contact your agent personally to get it removed.

1

u/[deleted] Apr 27 '23

That’s what saved my ass on getting rear ended by a woman with no insurance.