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Re: Uninsured Motorist on Auto Ins.
Arin38
I've never had uninsured motorist coverage. I've always gone under the assumption that any medical issues that I might face from some uninsured driver hitting me and causing injuries would be bourne by my health insurance.
Car accidents can cause a lot of damage to your body, even with airbags. I was crippled for life by an underinsured driver. I have one of the best medical insurance policies available and my husband has insurance which covers some things more than my policy does (rehab). Nevertheless, after the accident we raised our uninsured/underinsured to $300K. It had been $50K. However, State Farm or Maryland requires that this amount not exceed the coverage on the other driver should the fault be ours.
The driver was a 19 year old boy who, after 48 hours without sleep, fell asleep on the front bumper of my car. He was unharmed; I was severely injured (wish I had been asleep). He had a cheep policy from MD called "high-risk driver insurance". You get the maximum of the two coverages (his or yours). Even when your medical insurance covers most of the costs, if your health insurance has a subrogation clause, they get first dibs on the car insurance money. So, for expensive injuries, you can get stuck with a lot of expense if there isn't enough for both you and your medical insurer. The increase in the underinsured driver insurance was quite cheap and we decided that it was worth it.
So I advise talking to your medical insurer about subrogation. I am sure that they all cover emergencies but you could ask them anyway. Also examine in-patient and out-patient rehab coverage and coverage in a nursing home/care facility/hospice just for good measure.
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