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In a 20+ year career only once and this was because the plaintiffs attorney entire complaint was our insured violated sec 1120 of vt&l (NY DUI law) Carrier disclaimed. Long time ago but I believe there was an eventually settlement of some sort

@asotoskori In a 20+ year career only once and this was because the plaintiffs attorney entire complaint was our insured violated sec 1120 of vt&l (NY DUI law) Carrier disclaimed. Long time ago but I believe there was an eventually settlement of some sort

@karenrose3388 Shaddup. Shaddup. A drunk driver by policy contract is not a covered insured. They probably committed enough other infractions that would be covered for negligence. But the more everyone harps on the dui the more likely the carrier tries to disclaim

@jamesbook Same as New York

@rightway2truth Actually no. 1. You’d have to be in a state that offers property UM. 2. If pd Um were available and everything else were minimum one would assume the UM is also min. 3. Assuming 2 is correct You’d also have to be in a state that permits stacking. Most states do not.

@bynet I know exactly how it works. But go ahead and explain it to me.

@cyzy About a year ago I had a client hit an run while riding a bicycle. Broken collar bone surgery repaired. $25K UM. Client refused attorney settled with geico for $16. Seemed way low to me

@hoasenphat Fyi the collision coverage is primary and the UM would only be tapped if the cost of the vehicle exceeded max collision insurance (this has to do with …does the insurance policy exclude value over a certain amount). So if collision is available the UM would be moot. Stacking is one...

@ben982743 Totally get it. But 1. Not always cheap. 2. 250/500 may not be available to certain drivers

@ben982743 For the majority of Americans this would be over insuring. Insurance is risk transfer. So when making these decisions first figure out what you have to lose and then buy insurance accordingly. A renter with credit card debt etc etc does not need 250/500. A woman whose mortgage is paid...

@adonai1 Every answer is state dependent. Different state different rules. Computers don’t make errors. People entering the incorrect data do. So make sure you find out what the error was.

@adonai1 Every answer is state dependent. Different state different rules. Computers don’t make errors. People entering the incorrect data do. So make sure you find out what the error was.