rogbmw
Member
Again...so glad you are ok. Usually in accidents with a Semi the "Law of Gross Tonnage" applies. Be sure to be checked out by your physician asap to make sure everything is still where it is supposed to be. All the best...
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I have 100/300/100 right now (have had that since I was running around in my Civic), and when I got the MS the insurance agent asked me if I felt like I should up my limits or if I was happy where I was at. So I had her quote me an umbrella policy (for 1Mil) and also what is would be to jump to 300/500/300 which I think is the next step... In any case, State Farm does allow higher than 100 for the limits, I think it is just that once you hit that level, for the cost benefit (especially if you are insuring ANYTHING else in your possession) you might as well just get an umbrella.
Just to note, I live in VA.
As far as the "mandatory minimums" that I saw others posting about, each state is different, but most of the time I have looked into it, it was something stupid low like 10/20/10 or 20/50/20... That is coming from someone who has had to get insurance in Ohio, North Carolina, and now Virginia... They don't impose very high limits on you.
With such a low liability insurance, dont people get ruined if they cause accident and result is severe injury or death of another person? With severe injury just hospital bill in USA is likely to be wayyyy over $100K, not to mention any resulting disability and material damage.
Theoretically, yes. In practice it is difficult to get any real money out of the at-fault driver. Most states (like mine) list things that you can't take from anyone and they include their house, one car and retirement plan. Well, how many people have much beyond that? Very few.
So instead the auto-insurance has coverage for "uninsured/under insured motorist". Say I'm hit by someone and my claim is more than their insurance can cover. My insurance company then pays the difference under the "under insured" part of my policy. MY ins co then has the option to sue the at-fault driver (but they rarely do).
Wait. You mean to tell me that a Model S gets rear-ended hard by an 18-wheeler, and the Model S drives home and the big rig is broken?!
Big Rig 0 Tesla 1