So I'm with progressive but I go back and forth between Geico and Progressive every few years to save more money. I'm trying to figure out what these rates are with Geico, when they would kick in during a claim, and if these are even worth it. The first picture is Geico and the second picture is Progressive. Like when would Medical Payments kick in during a claim, or why does Geico have an underinsured section when Progressive doesn't (and if underinsured would be under uninsured motorist
Car insurance coverage question
- Thread starter Pew
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I think it's an important enough question to call them and ask. I could take a stab at it but I don't want to be wrong.
If you're lucky. Trying to use insurance for medical stuff after a car accident is not easy. It's why all of my doctors have a "push 1 if this is from an auto accident" or some BS when you call up.
When stuff is tied to a personal injury claim, it's a whole different animal.
Here's an example:
https://www.bogleheads.org/forum/viewtopic.php?t=246823
Speaking from experience, my liability coverage is liable for injuries of passengers in my own car. So that at fault accident I had the other year with my wife and child in the car while towing the camper - their ambulance ride and ER visit is technically covered, even though we used our medical insurance to cover it, in order to attempt to reduce claims against my own insurance carrier. (My wife was going to reach her medical OOP limit anyway last year.)
I think my wife has two years to claim medical liability and my daughter has until she's 18.
Medical purely covers your injuries in an at fault incident. In my case I was the driver and I wasn't hurt. It might be nice if you can't swing your deductible.
The medical providers want to bill auto coverage instead of medical coverage because they don't have negotiated rates with auto providers. They get to bill full sticker price for auto accidents.
I think my dog was on his own in terms of injury coverage.
I think my wife has two years to claim medical liability and my daughter has until she's 18.
Medical purely covers your injuries in an at fault incident. In my case I was the driver and I wasn't hurt. It might be nice if you can't swing your deductible.
The medical providers want to bill auto coverage instead of medical coverage because they don't have negotiated rates with auto providers. They get to bill full sticker price for auto accidents.
I think my dog was on his own in terms of injury coverage.
We had Allstate coverage on this wreck. The $10K pip in Florida (personal injury protection) is about useless. It is $10K "ONLY" if you ride in the ambulance, otherwise it is limited to $2,500. The rest is available if you petition the insurance company and they approve the request. Which we did, and it was.
My wife's foot was broken when the firewall/dash/brake pedal was 're positioned' backwards towards the driver during the crash. She did not use an ambulance and took Uber home, intending to find a good surgeon. As the screws, pins and plates would not happen in the local ER.
I know I sound like a broken record on this one, but we are out at least $45K on medical expenses and $10K shy on vehicle value. Not to mention Allstate continued to charge us premiums for this truck from May through September and so far has agreed to reimburse only one month.
Let's make sure the insurance company is well protected. By insisting you put a new roof on your house every 15 years, by valuing your vehicle using comps that include examples that have been at the bottom of the ocean and by not covering floods, fires, acts of God, anybody unlicensed, here illegally or uninsured. Want coverage for that, pay double.
My wife's foot was broken when the firewall/dash/brake pedal was 're positioned' backwards towards the driver during the crash. She did not use an ambulance and took Uber home, intending to find a good surgeon. As the screws, pins and plates would not happen in the local ER.
I know I sound like a broken record on this one, but we are out at least $45K on medical expenses and $10K shy on vehicle value. Not to mention Allstate continued to charge us premiums for this truck from May through September and so far has agreed to reimburse only one month.
Let's make sure the insurance company is well protected. By insisting you put a new roof on your house every 15 years, by valuing your vehicle using comps that include examples that have been at the bottom of the ocean and by not covering floods, fires, acts of God, anybody unlicensed, here illegally or uninsured. Want coverage for that, pay double.
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I think I'll just leave them on. I have to run the numbers again but I think it was only a few dollars difference per month without the medical payment on. That's my current coverage with progressive but moving back to GEICO with the same coverage takes me from $97/month to $67/month so I'll be switching and raising my coverage limits.
Absolutely, I was going to raise those first to see the impact to my monthly payment.
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here's where I say my .02 ymmv. I think that it costs no more to go through an agent. To some extent that person is willing to earn your business over someone else. Not a call center, a local office. there is a tendency to over insure oneself. Remember insurance will be more than happy to overinsure and collect the premium, but they will not overpay on a claim. A diamond ring and a home are two examples. Then again as I type the circumstances are unique--no idea how much replacement costs have gone up. But it used to be coverage went up faster than replacement cost...
This is very surprising.... All too often, medical/health insurance companies will inquire about things like ER visits and ask what happened. As soon as you tell them it was from a car accident, they get excited. They'll keep track of everything related to this and will file a claim with your auto insurance to re-coup the money they paid out. They have a few years to go back on these too.
Medical payments cover you and passengers regardless of fault. This is only for actual bills, not pain and suffering or anything like that. If you have health insurance you can skip this but it is handy in that there isn’t a deductible. I do not carry this coverage on my policy.
Uninsured/underinsured cover you in the event you are hit by someone with low or no liability limits. I’d bump these to the amounts of your bodily injury limits as it is pretty cheap to do so. This is for you to make a claim against your own carrier, for bills as well as pain/suffering. Hopefully you never need it but wise to have. I have $500k per accident here.
Uninsured/underinsured cover you in the event you are hit by someone with low or no liability limits. I’d bump these to the amounts of your bodily injury limits as it is pretty cheap to do so. This is for you to make a claim against your own carrier, for bills as well as pain/suffering. Hopefully you never need it but wise to have. I have $500k per accident here.
Yes, we (my wife) learned the hard way about uninsured coverage in a head on collision that ruined our lives. We upped our coverage substantially. Michigan is a top five state for uninsured drivers .
So I maxed out all the coverages with Geico, staying at $500/$500 deductible for $67/month. That's the best rate I've ever had in my life. If I go down to a $250 deductible, it only raises by $3/month. Might be worth it for how often the windshield gets hit by rocks.
If I fall off my roof does my medical sue my homeowners for the injuries? No. I’m hurt. Now pay for my services.
They asked the question. I told them (the automated phone call system) to go pound sand. They didn’t bring it up again.
They don’t cover the flu if you got it from another person?
This list was pretty interesting to me, especially Virginia's ranking with their uninsured fee/option that was only recently killed.
https://financebuzz.com/uninsured-motorist-statistics-by-state
Percentage of uninsured motorists by state, ranked
| State | Percent uninsured |
| Mississippi | 29.4% |
| Michigan | 25.5% |
| Tennessee | 23.7% |
| New Mexico | 21.8% |
| Washington | 21.7% |
| Florida | 20.4% |
| Alabama | 19.5% |
| Arkansas | 19.3% |
| District of Columbia | 19.1% |
| California | 16.6% |
| Rhode Island | 16.5% |
| Missouri | 16.4% |
| Colorado | 16.3% |
| Alaska | 16.1% |
| Indiana | 15.8% |
| Maryland | 14.1% |
| Kentucky | 13.9% |
| Oklahoma | 13.4% |
| Wisconsin | 13.3% |
| Idaho | 13.2% |
| Ohio | 13.0% |
| North Dakota | 13.0% |
| Georgia | 12.4% |
| Arizona | 11.8% |
| Illinois | 11.8% |
| Louisiana | 11.7% |
| Iowa | 11.3% |
| Kansas | 10.9% |
| South Carolina | 10.9% |
| Oregon | 10.7% |
| Virginia | 10.5% |
| Nevada | 10.4% |
| Minnesota | 9.9% |
| Hawaii | 9.3% |
| Nebraska | 9.3% |
| West Virginia | 9.2% |
| Vermont | 8.8% |
| Montana | 8.5% |
| Delaware | 8.5% |
| Texas | 8.3% |
| South Dakota | 7.4% |
| North Carolina | 7.4% |
| Utah | 6.5% |
| Connecticut | 6.3% |
| New Hampshire | 6.1% |
| Pennsylvania | 6.0% |
| Wyoming | 5.8% |
| Maine | 4.9% |
| New York | 4.1% |
| Massachusetts | 3.5% |
| New Jersey | 3.1% |
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It puzzles me how this exists. Those (my) top worst states have 1 in 4 to 5 drivers NOT insured?
I will famously say: I KNOW!!!
Conventional wisdom is that your med pay should be equal to your health insurance max out of pocket. Med pay is slightly different than PIP and which you have depends on the jurisdiction. Depending on policy language med pay might cover for instance - you were working on your car and burned yourself or similar.
uninsured as a general rule includes underinsured, but you should make sure, also some states allow or have the option of stacking UM.
As with basically any insurance question here, it depends on the policy and the jurisdiction.
uninsured as a general rule includes underinsured, but you should make sure, also some states allow or have the option of stacking UM.
As with basically any insurance question here, it depends on the policy and the jurisdiction.
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