Truck was totaled, looking at GM 6.6 Gasser
Long story short someone pulled out in front of my 47,000 mile 3500HD 6.0 gasser. It was totaled yesterday. Frame is bent. So looking for a brand new 10 speed 6.6 GM gasser anyone here have a...
Forum Discussion
Grit dog wrote:
Oh and idk why anyone would carry UIM on a vehicle they’re carrying collision coverage on. It’s a sham, unless you’re not even willing to bet your deductible against the cost of UIM and the odds.
Some carriers require you to have it if you pay for UI coverage (uninsured motorist bodily injury).
I think we're hovering close to 20% uninsured drivers in my county, which understates the stats since assigned risks and anybody with the legal minimums are totally underinsured. It sucks to have to pay to insure every other stranger on the road, but we've had to use it before when my wife was badly injured by some bangers fleeing from a place they'd just shot up. Her face was cut up pretty badly and we really needed that coverage.
If you're not required to have it though, then you're right to skip it.
Another distinction that makes uninsured motorist (property damage) coverage a bad deal is the fact that you have to identify the other driver. The bodily injury coverage doesn't require you to ID the other party, so you're covered for hit & run. But the PD coverage requires you to ID them and prove that they're uninsured (or underinsured) before your coverage kicks in.
