Decision to make in motor vehicle insurance?

by **darrell** » Tue Apr 03, 2012 5:01 pm

I need help to make a decision for my insurance options.
Since I work from home now and dont use my car as much, Im thinking about removing Underinsured Motorist Property Damage and Personal Injury Protection and Underinsured Motorist.

It will make around $100 difference total for 6month paid in full.

any suggestion?

by **deangelo51** » Tue Apr 03, 2012 5:05 pm

NO. What if someone hits you who has no insurance?

by **wynn** » Tue Apr 03, 2012 5:06 pm

NO. What if someone hits you who has no insurance?

get FULL coverage for everything - $200 a year difference is not worth what YOU will have to pay for something that is NOT covered

by **hampton83** » Tue Apr 03, 2012 5:16 pm

Look at your WHOLE financial picture.

If you have your short and long term disability coverage in place, privately, and have great health insurance which will cover your auto injuries, AND long term care coverage in place, AND you don't mind NOT getting any pain and suffering if you're severely injured in an accident, go for it.

But I'd guess that $100 a month won't START at paying for the coverages you'd need to buy to make up for what you're giving up.

In other words, it's a pretty bad idea.

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