l****z
发帖数: 29846 | 1 Just 18% of the uninsured have bothered to go to one of the ObamaCare
exchange websites, according to a recent Gallup survey. And only 22% say
they plan to buy an ObamaCare plan next year.
That same week, a Reuters poll found that 56% of the uninsured oppose
ObamaCare. Just 44% view it favorably. In other words, the uninsured are, if
anything, more opposed to the law than are the public at large.
Given the mounting fury over millions of policy cancellations and the
federal exchange website debac... 阅读全帖 |
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d****m
发帖数: 1486 | 2 有Collision的保险还需要加Uninsured Motorist Property Damage吗？
我买的是Geico保险。
If you select Uninsured Motorists property damage, this coverage must be
carried on all vehicles without Collision coverage. Vehicles may not carry
Uninsured Motorists Property Damage and Collision coverage together to avoid
double coverage for the same accidents.这意思是有有collision就不需要
uninsured了吗？是不是collision已经包括了？谢谢哦！
Uninsured Motorist Property DamageUninsured Motorist Property Damage pays
damages you are legally entitled to reco... 阅读全帖 |
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t******1
发帖数: 152 | 3 一般情况下按法律要求，uninsured motorist (UM) coverage是包括在你的保险里的。
Uninsured motorist (UM) coverage只包括在对方没有保险时自己身体受的伤，所以也
叫uninsured motorist bodily injury (UMBI) coverage。
法律一般不要求uninsured motorist property damage coverage (UMPD),所以如果你
保想在对方没有保险时自己财产的损失而又不想买全保，你就得加几块钱买uninsured
motorist property damage coverage (UMPD)。
uninsured motorist property damage coverage (UMPD)是错在对方而对方又没有保险
时有效，所以很便宜，但保额上限不高。如果你的车有些年头了，UMPD也许是个不错的
选择。 |
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j*****e
发帖数: 564 | 4 This is what I googled:
Conventional Loan
Conventional loans are popular because the broad public does not qualify for
other loan structures. A conventional loan has no backing from the
government in the way an FHA, HUD or VA loan does. Lenders are not limited
to interest rate caps and can charge anything the market will warrant, which
means the loans are generally higher than government-backed loans.
Conventional loans can be either insured or uninsured contingent on their
loan-to-value ratio.
... 阅读全帖 |
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l****z
发帖数: 29846 | 5 10:05 AM, Jul 15, 2014 • By JEFFREY H. ANDERSON
In March 2010, Obamacare was about to be voted upon by the House of
Representatives, and the Democrats were in the process of deciding whether
to ignore public opinion at their peril. At that time, the Congressional
Budget Office (CBO) projected that Obamacare would cost $938 billion over a
decade and would reduce the number of uninsured people by 19 million as of
2014 (with a reduction of 1 million prior to 2014 and 18 million in 2014
alone... 阅读全帖 |
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Y*Z
发帖数: 1301 | 6 What's the difference between COMPREHENSIVE & COLLISION and UNINSURED
MOTORIST PROPERTY DAMAGE?
If I have car insurance about COMPREHENSIVE & COLLISION, can i reject
UNINSURED MOTORIST PROPERTY DAMAGE.
When i quota insurance from progressive, I select COMPREHENSIVE & COLLISION,
UNINSURED MOTORIST PROPERTY DAMAGE automatically show ---rejected. |
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g********d
发帖数: 19244 | 7 uninsured/underinsured property 买到车的市价即可
uninsured/underinsured bodily injury 买到顶
这两个都没多少钱（半年十几到几十块），用了也不会长保险。
尤其是住在学校周边地区的，碰见低保额不够赔的几率太高了，
比如这位烤肉车主，保额只有15K，出了事property都不够赔的，更甭说injury了。
http://mitbbs.com/article_t/Automobile/33740695.html
保险协会的调查结果是，每7起事故中，就会遇见一次uninsured/underinsured。 |
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C****t
发帖数: 178 | 8 我还没搞明白它和collision Coverage的区别。
Uninsured Motorist Property Damage Coverage和collision Coverage都可以cover自
己的auto损失吧？
这个Uninsured Motorist Property Damage Coverage还可以cover车内物品损坏的损失
，比如手机、笔记本等等。
如果车内物品不值钱，那是不是Uninsured Motorist Property Damage Coverage可以
不买或者选择比如$3,000的保额即可？ |
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r*****e
发帖数: 918 | 10 之前在明州，半保requirement有三项：
Bodily Injury & Property Damage Liability
Uninsured/Underinsured Motorist
Personal Injury Protection
现在搬到Ohio，半保requirement只有Liability了
请问Uninsured/Underinsured Motorist是不是在对方没保险时保自己的？
如果是，我还是得加买才好吧
另：Personal Injury Protection不要求的话就没必要买了吧，这个贵点儿 |
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y*****2
发帖数: 223 | 11 准备换保险了，在geico网站上quote的时候发现有一项是Uninsured Motorist Bodily
Injury - Economic Only，紧接着下面一项是Uninsured Motorist Bodily Injury，请
问这两项有什么区别？另外，请问一般保险各项怎么选比较好？请各位大侠不吝赐教。 |
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p********w
发帖数: 90 | 12 这个$10,000/$20,000好像保的是bodily injury吧。
Uninsured Motor Vehicle coverage provides for payment of certain benefits
for damages caused by owners or operators of uninsured motor vehicles
because of bodily injury or death resulting therefrom.
我是觉得$10,000/$20,000基本是杯水车薪，还不如不要。
也就是说，要么不要，
要么就买$50,000/$100,000是半年$100。
买$10,000/$20,000（半年$50多）感觉没用。
但是不知道我的common sense对不对。
想看看大家的经验。
就像以前很多人建议买bodily injury买高些，我就买高些了。 |
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i***1
发帖数: 415 | 13 车是2011款sedan新车。大家看看我选的保险合适吗，在FL
Bodily Injury Liability: $100,000/$300,000
Property Damage: $100,000/$300,000
Personal Injury Protection - Insured & Relative: Non deductible（FL必须要有
这项）
Uninsured Motorist – Nonstacked/Stacked: declined
Comprehensive: $100 deductible
Collision: $500 deductible
我想知道是否Uninsured Motorist可以不用选。看了UM的解释，也知道是别人撞了我的车跑了或保险不足，可以用UM来保我车上的人。但是，我有还不错的医疗保险，而且带的人也基本有医疗保险。而UM每半年要$70，我觉得UM完全没有必要。 |
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l*****e
发帖数: 227 | 14 保险上这么写的
Uninsured Motorist Each person Each occurrence
Bodily Injury $100,000 $300,000 $93.4
Property Damage included
Property damage 一栏写的included但没有具体金额，这种情况有 Uninsured
Motorist Property Damage 吗？ |
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n*****s
发帖数: 6495 | 15 首先，很多uninsured都是没有deductible的，即使从有deductible改成0 deductible
也多花不了几个钱，但是collision从500改成0deductible要多很多钱。
其次，用了collision以后是会涨保险的，uninsured不会。 |
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y*****c
发帖数: 1099 | 16 这俩和comprehensive/collision的区别是啥
别人撞我 他有保险而且够 就走他的 他没有我就走我自己的collision/comprehensive
如果我有collision/comprehensive 那uninsured and underinsured motorist
coverages意义在哪
uninsured and underinsured motorist coverages没有deduction? |
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s******3
发帖数: 1767 | 17 当然管车，我就被uninsured撞过，tmd还hit and run，还好被我追上了，不然我是半
保，就被他白撞了，最后uninsured cover了我修车的cost。 |
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s*******e
发帖数: 261 | 18 有医保的情况下，买车险，还需要加uninsured/underinsured insurance么?
Uninsured Motorist Bodily Injury will pay for your injuries caused by a driver without insurance.
不知道该设多少为宜？
自己用的医保是blue cross & blue shield的。 |
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l******y
发帖数: 367 | 19 How are you covered in case of an accident?
It's a sad fact: There are people who drive without any liability insurance.
What if you're injured in an accident caused by one of these drivers?
Uninsured Motorist Coverage will pay for damages when you are injured in a
car accident caused by another person who does not have sufficient liability
insurance. Medical expenses, pain and suffering, and lost wages are some
examples of bodily injury damages.
Should you get this coverage?
Doing so lets you d... 阅读全帖 |
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a******o
发帖数: 16625 | 20 uninsured motorist bodily injury 是uninsured motorist 项目里最贵的，我曾经想
把这个拿掉只保留修车部分，agent说不行。 |
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b*******l
发帖数: 1095 | 21 看见论坛上经常提到 uninsured motorist这项
这条款有他的作用，但用这条款的提前条件是：必须证明对方（责任方）没有有效保险。
但用这条款的提前条件是：必须证明对方（责任方）没有有效保险。
但用这条款的提前条件是：必须证明对方（责任方）没有有效保险。
也就是说，如果被一辆往医院赶的 大切 S O S， 撞了，而那B又借着他的大马力亮灯
引擎溜了，你找不着人，你是不能用自己的 uninsured motorist来保自己的损失。因
为撞你的人溜了，不等于撞你的人无保险。
所以，除非你将能买的保险全买，张嘴就叫人买全保的人其实不是很负责任，因为保与
不保是有前提条件的。
注：以上情况在鸟不长毛的加州通过测试成立。 |
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b*******l
发帖数: 1095 | 22 个人经历给你一点参考， uninsured motorist insurance 在加州的使用前提是:你撞
你的人承认他她撞了你， 同时他她没有保险。
简单例子， 车停在家门口半夜被撞了，撞得人跑了，uninsured motorist insurance
no work at all. |
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T***u
发帖数: 1468 | 23 这个例子是不是应该用comprehensive insurance
: 个人经历给你一点参考， uninsured motorist insurance 在加州的使用前提是
: 你的人承认他她撞了你， 同时他她没有保险。
: 简单例子， 车停在家门口半夜被撞了，撞得人跑了，uninsured motorist
insurance
: no work at all.
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b*******l
发帖数: 1095 | 24 Uninsured motorist property damage (UMPD): ......This only pays if the
uninsured driver is identified. You may not
need it if you have collision coverage.
Quoted from California Department of Insurance website.
: UM 能用到的方式很多，是非常值得买的。你的个人经历没有参考价值
: insurance
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c**********r
发帖数: 109 | 25 朋友的车被人撞了，那人直接跑了，也没有人愿意做证人，警察来了做了记录。
保险是半保，保别人不保自己。听人说uninsured motorist 能保 hit and run ，但是
保险公司说在新泽西hit and run是不能被uninsured motorist covered。
是这样吗？hit and run就只能自认倒霉吗？ |
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c**********r
发帖数: 109 | 26 朋友的车被人撞了，那人直接跑了，也没有人愿意做证人，警察来了做了记录。
保险是半保，保别人不保自己。听人说uninsured motorist 能保 hit and run ，但是
保险公司说在新泽西hit and run是不能被uninsured motorist covered。
是这样吗？hit and run就只能自认倒霉吗？ |
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T**********e
发帖数: 29576 | 27 搞了半天CBO还是obamacare认定最好。
CBO: Senate Health Care Bill Would Leave 22 Million More Uninsured
WASHINGTON — The Senate health care bill would insure 22 million fewer
people after a decade than current law, according to an analysis Monday by
the non-partisan Congressional Budget Office.
It would save $321 billion in the same period overall by spending $1
trillion less on health care and using the savings to repeal the Affordable
Care Act’s taxes, which primarily benefit wealthy individuals and medica... 阅读全帖 |
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i****a
发帖数: 36252 | 28 uninsured motorist is to protect you if somebody hits you and they don't
have inusrance |
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f*h
发帖数: 403 | 29 我的理解是Comprehensive + Collision就保自己的车
那即是被一个没有insurance的人撞了，也会cover的 最后的钱也许是保险公司跟那车
主打官司赔
这样的话 有Comprehensive + Collision 就不用再投Uninsured motorist
是这样吗？
请慎拍~ |
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p****s
发帖数: 940 | 31 quota保险的时候agent只建议我保underinsured,没建议uninsured.不知道这个重要吗
？如果车被hit-and-run了，一般需要什么保险来cover? |
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b****g
发帖数: 1204 | 32 我也搞不清楚，买了全保的collision，是不是就不用买uninsured？即使对方hit&run
，或者无保险， 也可以用自己的全保来付呀。 |
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l****y
发帖数: 130 | 33 请问Uninsured/Underinsured Motorist是不是在对方没保险时保自己的？
是 |
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j******o
发帖数: 4219 | 34 Uninsured对方没保险
Underinsured对方保险额度不够 |
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f******r
发帖数: 2136 | 35 我们的保险号称全保，可我仔细一看，上面写着
you have rejected uninsured motorists insurance
you have rejuected underinsured motorists insurance
这2个不保要紧吗？有什么严重后果？
请懂的人指教，谢谢 |
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l**n
发帖数: 1861 | 36 一个很便宜，另一个不算全保里面的，
万一有一个hit and run.
或是停车场里面被人刮了，又找不到谁干得，
基本上就靠这个uninsured motorist insurance了。 |
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f******r
发帖数: 2136 | 37 来update一下啊。劳工打电话问过了，allstate的人说我们这里宾州不需要保这个
uninsurance和underinsurance的，说什么宾州法律规定不保这个碰到没保险或低保险
的人也能赔付的。我老公确认了好几下，反正就说是没事，你要保也行，就是10万以上
的赔付才会用到这个。反正听了半天就是说不保也没事，结果后来就没保。估计我们这
个州特殊把。 |
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s**********d
发帖数: 36899 | 38
看自己的policy。有的如果没找到人是不能用uninsured motorist. |
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G*******m
发帖数: 16326 | 39 有理也不能着急。
街上什么人都有，没有保险的，保险过期的，等等。
车子保险里面有一项专门对付没有保险或者保险不足的驾驶人的，叫uninsured/underinsured motorist coverage。
如果对方没有保险，自己的保险就需要赔偿，然后自己的保险公司会向对方起诉要求赔
偿。
当事人不需要直接与对方多废话的。 |
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j****x
发帖数: 222 | 40 代朋友问一下：
昨天被一没保险的老黑撞了车，车门撞凹进去了一点（责任在对方)。因为买了Geico
的 Uninsured Motorist Property Damage， 保险公司说可以得到赔偿。请问这种情况
保险会涨吗？ 谢！ |
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l*i
发帖数: 5732 | 42 LOL, u don;t need to buy collision, but comprehensive and uninsured are must
, 因为美国烂人多， 而且烂人还能开车， 中国基本上开车的不太有烂人， 除了富二
代酒后开车 |
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d****n
发帖数: 12461 | 43 comprehensive: 保自己的车非移动造成的损伤。
collision: 保自己的车移动造成的损伤，无论是否自己责任。
uninsured: 保自己的车或者财产在车祸当中明确对方责任但是对方没有保险时候的损
伤。 |
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l********i
发帖数: 8858 | 44 1. UNINSURED MOTORIST PROPERTY DAMAGE is "COLLISION" 's subset.
2. if you have COMPREHENSIVE & COLLISION, you dont need to purchase UMPD.
or say you automatic get UMPD cover
3. progressive, geico, many many insurance carriers do this way, quite normal. |
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T********e
发帖数: 8631 | 45 No, you can take out medical and supplemental, but not uninsured motorist |
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i*****T
发帖数: 1855 | 46 为什么呢？这个uninsured motorist我看就是如果对方没有保险，我的车险公司可以赔
。我的理解对
么？如果这样的话，反正我的车也是全险，comprehensive这部分要赔的吧。 |
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T********e
发帖数: 8631 | 47 Collision and Comprehensive covers your car only. Uninsured Motorist covers
everything including passengers and other properties involved. And it's a
lot cheaper than the other two. |
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d****n
发帖数: 12461 | 49 uninsured还包括修自己车的钱吧。而且出车祸了，车险是primary最好了，省得几个保
险公司的文件飞来飞去的。 |
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s*****e
发帖数: 157 | 50 这两项保险都是针对人身的，如果自己有医疗保险，是不是没有必要买uninsured/
underinsured bodily injury insurance？ |
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