c**q
发帖数: 443 | 1 半年全保要850美元，是不是贵了点，大家选的是什么
below
2013
BMW
X5 35I AWD
Total Vehicle Premium: $853.40 $426.80
Protects you and your passengers
Bodily Injury Liability [Edit]
Current Limit: $300,000/$300,000
$185.40 $122.90
Property Damage Liability [Edit]
Current Limit: $100,000
$101.80 $60.20
Personal Injury Protection Health Primary [Add]
Current: Not Carried
Not Carried
Not Carried
Personal Injury Protection Primary [Edit]
Current Limit: OPTION B $50,000/$250 Ded.
$199.10 ... 阅读全帖 |
|
c*******e
发帖数: 55 | 2 刚来美国多半年，车是05年的accord，头半年用的是state farm的保险，半年700多，
最近要renew，觉得保费偏贵，所以想换别家的试试，大家觉得像我这样的车，保费多
少比较合理？
在quote geico的时候有三项分别是 Uninsured Motorist BI, Underinsured Motorist
Property Damage, Underinsured Motorist。第一项和第三项有什么区别？还有保险
的plan是必须以半年为一个周期吗？可不可以每个月的计划不一样？谢啦～ |
|
d**l
发帖数: 897 | 3 which is necessary to select if I have good health insurance
Bodily Injury Liability
Current Limit: $300,000/$300,000
$109.00 $139.30
Property Damage Liability
Current Limit: $100,000
$63.50 $87.90
Personal Injury Protection Health Primary
Current: Not Carried
Not Carried
Not Carried
Personal Injury Protection Primary
Current Limit: OPTION O $250,000/$1,000 Ded.
$103.20 $119.40
Personal Injury Protection Med Pip Primary
Current: Not... 阅读全帖 |
|
n********1
发帖数: 197 | 4 Do not worry. You are fine. 医疗账单cliam了53000, usually the health
insurance/car insurance has discount, which is around 50%. So your $25K is
good enough to cover that. However, for sure the other party will ask for
other compensation and his lawyer will chase his own insurance for
underinsured coverage. And eventually the his insurance will also ask you
for the money back. BUT, since you do not have any money, no one will sue
you. Remember, lawyer costs money. If you do not have money, they will n... 阅读全帖 |
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a****t
发帖数: 720 | 5 最近车祸之后，才知道NJ的车祸，即便受寒者，medical部分也只走自己的auto，不够
再走自己的health，只有property才直接走对方的auto insurance。
看起来我自己current的insurance coverage不是很合理，请大家指教，看看那些limit
还需要升，或者其他的option。目前，我自己的health insurance比较好。谢谢
Bodily Injury Liability
Current Limit: $100,000/$300,000
Property Damage Liability
Current Limit: $50,000
Personal Injury Protection Primary
Current Limit: OPTION A $15,000/$250 Ded
Uninsured Motorist & Underinsured Motorist
Current Limit: $100,000/$200,000
Uninsured Motorist & Underinsured Motorist PD
Curre... 阅读全帖 |
|
c*****a
发帖数: 342 | 6 保险是progressive的，但是Medical Payments，Rental Car Reimbursement，
Roadside Assistance没有买，其他的如下：
Bodily Injury & Property Damage Liability: $25,000 per person $50,000
per accident $10,000 property damage
Uninsured/Underinsured Motorist Bodily Injury: $25,000 person -
uninsured $50,000 person - underinsured $50,000 per accident
Uninsured Motorist Property Damage: $10,000 ($0 deductible)
Medical Payments: No coverage
Comprehensive: $500 deductible
Collision: $50... 阅读全帖 |
|
c****8
发帖数: 283 | 7 前一阵买了gti, 当天转了原来的保险，quote了一圈最便宜的还是progressive,糊里糊
涂的就转过去了，还要150/m，估计驾龄太短,去年9月拿到的照。
现在仔细看保的内容，很多东西不太懂，希望大家推荐一下， 我在Houston, 25岁单身
现在的：
Bodily Injury & Property Damage: 30/60/25
Personal Injury Protection: None
Uninsured/Underinsured Motorist: None
Uninsured/Underinsured Motorist & Property Damage: None
Medical Payments: None
Comprehensive: 500 deductable
Collision: 500 deductable
Rental Reimbursement: none
Roadside: none
Loan Lease Payoff: none
Custom Parts or Equipment total valu... 阅读全帖 |
|
v******o
发帖数: 3417 | 8 你怎么没有uninsured/underinsured property damage这项啊？还是说保了，只是没有
列在这里。 有的保险公司这个是跟uninsured /underinsured bodily injury 是一个
package，有的保险公司还得分开买。如果没有这一项，被hit and run后保险不cover
你的车哟。
rental reimbursement是cover你的车在修理期间需要租车的费用，而且这个修理是指
保险能cover的修理。既然你的保险没有collision这一项，有的保险公司就不会让你买
rental reimbursement.
至于说你出行租车， 你的保险cover liability部分，但是没有 collision部分。 |
|
d*****w
发帖数: 281 | 9 车祸理赔告以段落，在此总结，及并谢过所有给予本人支持、安慰和鼓励的同胞。
去年八月的车祸，我stop sign 没停止，对方自卸货车直接侧撞到副驾驶位置，具体情
况以前有所提及，这里不加赘述！总之，我全责！
车祸现场，警察给了traffic ticket，因为是第一次遇到这种情况，没有多想，就去法
院交了罚款，当时只想快点结束此事，其他的交由保险公司处理即可。交了罚款的当天
我老板就提醒我说不应该这么痛快的承认是我的责任，他说在美国车祸过后很长一段时
间后，当你基本已经忘却了这恼火的事件，往往对方架着拐棍或歪着脖子找上门，说车
祸导致他下半生不能自理了，生活无着落，目的只有一个-----讹钱！听了老板这活以
后，着实心惊一把，不过很快就平复了，心想对方是大卡车，我们一个小破车都没事，
对方驾驶员肯定不会有问题的！
我真的已经淡忘了此事，只是偶尔登陆保险公司的网站，看看这个claim 仍然是open的
状态，对方的body injury 仍然没有赔付，有些许担心，却也没怎么往心里去。
问题来了，今年三月的一个 上午，本人正在办大事，保险公司的电话来了，说对方已
经顾了律师并且给保险公司打... 阅读全帖 |
|
d********n
发帖数: 198 | 10 怎么样才能算是全保呢？
我自己车使用的是progressive的保险，原来保的有：
1.Bodily Injury & Property Damage Liability，
2.Underinsured Motorist，
3.Underinsured Motorist Property Damage，
4.Roadside Assistance,
可以供升级的选项有：
1.Personal Injury Protection，
2.Comprehensive，
3.Collision，
4.Rental Reimbursement，
我该选择哪个来升级成所谓的全保呢？
谢谢 |
|
h****m
发帖数: 2642 | 11 current:
Coverage Limits/Deductible 2012 Honda Pilot(vehicle 1) 2003 Toyota Camry(
vehicle 2)
Liability Each Person * Each Accident *
Bodily Injury 500 500 $ 159.00 $ 196.00
Property Damage 100 $ 171.00 $ 174.00
Other Than Collision Deductible
Vehicle 1 750 DEDUCTIBLE $ 61.00
Vehicle 2 750 DEDUCTIBLE $ 49.00
Collision Deductible
Vehicle 1 750 DEDUCTIBLE $ 176.00
Vehicle 2 750 DEDUCTIBLE $ 152.00
UNINSURED/UNDERINSURED Each Person* Each Accident *
MOTORIST - Bodily Injury 500 500 $ 51.00 $ 63.00
... 阅读全帖 |
|
c*******e
发帖数: 8624 | 12 我的,供参考
Bodily Injury Limits $250,000/$500,000
Property Damage Limit $100,000
Medical Expense $1,000
Uninsured/Underinsured Motorist Bodily Injury Limits $250,000/$500,000
Uninsured/Underinsured Motorist Property Damage Limits $100,000
Collision Coverage & Deductibles $100
Other Than Collision $100
Emergency Road Service L... 阅读全帖 |
|
t***5
发帖数: 1057 | 13 不需要。
可以考虑加上
Underinsured Motorist Bodily Injury
Underinsured Motorist Property Damage
I have health insurance, do i still need to buy
Medical Payments(MED) Not Included N/A
Personal Injury Protection(PIP) $2,500 $12.87 |
|
j*********u
发帖数: 1287 | 14 第一次quote 保险，不是很懂，大家看看有什么需要改正的，谢谢。一共595刀
对方车的coverage
Policy Coverage Bodily Injury Liability $100,000/$300,000 （版上推荐的）
Property Damage Liability $25,000 （够了吗）
Medical Payments $25,000 （不知道什么东西，需要吗？）
Uninsured Motorist Bodily Injury $100,000/$300,000 （不知道什么东西，需要吗
？）
Uninsured Motorist Property Damage $25,000/$200 Ded. （不知道什么东西，需要
吗？）
Underinsured Motorist Bodily Injury $25,000/$50,000 （不知道什么东西，需要吗
？）
Underinsured Motorist Property Damage $25,000（不知道什么东西，需要吗？）
自己车的保险
comprehensive $500 deductibl... 阅读全帖 |
|
n********1
发帖数: 197 | 15 Sorry to hear that and also sorry to see no people here really wants to help
you. That says something about our Chinese. I do not know about the exact
law about Texas but I had some experience on that.
#1, you made a big mistake by only have minimum insurance requirement.
Everybody tells you that car insurance is for others but the TRUTH is that
car insurance is for yourself.
#2, if the other party has insurance, then it will cover your car.
#3, if the other party has no insurance or the insuran... 阅读全帖 |
|
G***e
发帖数: 404 | 16 不过我这保险没有Underinsured Motorist和Underinsured Motorist Property Damage。
我这辆旧车就值8000了现在，不知道值不值加这个comprehensive和collision. |
|
s**********1
发帖数: 4651 | 17 目前我的车保是全保，现在车已经4年了，价值大降，所以我想只买liability，就是只
保我的责任时候对方的各种费用。请问那些项目要买。
bodily injury
property damage
personal injury protection medical hospital benefits within 3 years of
accidents
underinsured motorist bodily injury
underinsured motorist property damage
comprehensive
collision
transportation/rental |
|
l*****8
发帖数: 16949 | 18 全保：你的责任就赔，不是你的责任不赔。
uninsured/underinsured: 别人的责任，但赔不起或者跑了你的保险公司就赔。
一般uninsured/underinsured 需要有全保才能买。
你这种情况就是买了全保，如果没有uninsured也没用。 |
|
M********n
发帖数: 233 | 19 【 以下文字转载自 Florida 讨论区 】
发信人: MRquestion (问题先生), 信区: Florida
标 题: FL的车险怎么这么贵
发信站: BBS 未名空间站 (Tue Jun 28 14:58:29 2016, 美东)
贵的没人性了吧，就光50k/100k责任险，underinsured motorist insurance coverage
, PIP，加上comprehensive deductible 1000，就要一个月快200刀了？
underinsured还最多不能超过BIL，那玩儿个什么啊？我之前的州都是保1m/1m的，一个
月才不到60刀 |
|
发帖数: 1 | 20 新车GLC 300， 2019年版本， 坐标NJ。 GEICO 的保险quote了一下， 每个月要200多
刀，
麻烦大侠们帮忙看看这个 quote 需不需要调整， 还有问一下该怎么砍价？
New Jersey Tort Options
Limited Tort
Premium: Included
Bodily Injury Liability
$500,000/$500,000
Premium: $176.50
Property Damage Liability
$500,000
Premium: $159.40
PIP Expense Deductible
$250,000 limit medical/$500 deductible
Premium: Not Added
Add'l PIP Insured & Relative
I decline
Premium: Not Added
Add'l PIP Insured Only
I decline
Premium: Not Added
Uninsured & Underinsured Motorist
$500,000/$500,... 阅读全帖 |
|
k****r
发帖数: 5335 | 21 有些项不是很懂,能不能帮我看看? 现在的policy:
each person each occurrence
Liability-bodily injury 250,000 500,000
property damage / 100,000
uninsured motorists 250,000 500,000
underinsured motorists 250,000 500,000
Vehicle coverage limits
Medical payments each person 50,000
Collision-autual cash value less ded 500
Comprehensive-actual cash value less ded 250
Premium
Liability-bodily injury $92.75
P... 阅读全帖 |
|
L*D
发帖数: 3966 | 22 可以看去当地的Community Health Center, 这是个Federal Community Health
Program，是专门给Uninsured,Underinsured, and Medicaid的低收入的人提供医疗服
务的。
http://findahealthcenter.hrsa.gov/
你们是Underinsured。只要付Copay。
找谁，多亏了这里的朋友们，祝大家圣诞快乐 |
|
d***y
发帖数: 5325 | 23 我在21st和Geico查到的最基本的半保半年都是很贵，请这里的大侠帮忙看看，是哪里买
贵了，或者推荐你买的便宜点的保险公司或agent.
1) 21st.com Coverages Included Costs
Total Liability Coverages: 1366.47
Bodily Injury $50,000/$100,000 521.12
Property Damage $50,000 192.28
Personal Injury Protection (PIP) Basic 387.62
Uninsured/underinsured Motorist Bodily Injury $50,000/$100,000 265.45
Uninsured/Underinsured Motorist Stacking Option
2) GEICO: 2005 TOYOTA COROLLA Total Vehicle Premium:$727.60
Bodily Injury Liability $100,000/$200,000 $269 |
|
M********n
发帖数: 233 | 24 贵的没人性了吧，就光50k/100k责任险，underinsured motorist insurance coverage
, PIP，加上comprehensive deductible 1000，就要一个月快200刀了？
underinsured还最多不能超过BIL，那玩儿个什么啊？我之前的州都是保1m/1m的，一个
月才不到60刀 |
|
a***s
发帖数: 103 | 25 我来NJ不久，以前没车现在新车＋新保险，半年不到，是progressive。
现在要renew或换公司，请大家推荐一个吧，我以前保险半年要760，具体是：
Your Coverages：
Bodily Injury: $50,000 person/100,000 accident Limitation
Property Damage: $10,000 property damage
Uninsured/ Underinsured Motorist Bodily Injury: $25,000 person/50,000
accident Limitation
Uninsured/ Underinsured Motorist Property Damage: $10,000 ($500
Deductible)
PIP Medical Expense: $50,000 ($500 Deductible)
PIP Extended Medical Payments (EMP): I choose $1,000 |
|
W***i
发帖数: 9134 | 26 2人2辆新车，驾龄1人3年，1人1年，
现在是geico 半年$1054,
Bodily Injury Liability $300,000/$300,000
Property Damage Liability $50,000
Underinsured Motorist $25,000/$50,000
Underinsured Motorist Property Damage $10,000
Comprehensive $500 Ded.
Collision $500 Ded.
Emergency Road Service Full Coverage Vehicle |
|
h*****y
发帖数: 997 | 27 楼主说得很清楚，怎么还不明白呀。
你要是撞了人，保险额度不够赔怎么办？对方会用自己保险的underinsured motorist
coverage。然后对方的保险公司会再向你讨要这笔钱。
现在双方刚好都用geico，所以geico来要钱了，要的是付给怀孕女的underinsured
motorist coverage。这时geico实际是以对方保险公司的名义来要钱的。 |
|
g**********d
发帖数: 9 | 28 本人菜鸟一枚，未有过租车经历，计划于月底去波多黎各san juan 和st thomas旅游，
想在
san juan租车，听说在san juan租车需全险，是每个租车公司都需要全险还是部分公司
需要？
目前我的车险如下，请问我的车险需要补充哪些？ 另外请问在san juan机场找带
carseat的车
容易吗，还是必须得自己带。真心请教各位，祝新春愉快！
Liability to Others：Bodily Injury Liability，Property Damage Liability
Comprehensive
Collision
Rental Reimbursement
Roadside Assistance
以下rejected
Personal Injury Protection
Uninsured/Underinsured Motorist Bodily Injury
Uninsured/Underinsured Property Damage |
|
g**********d
发帖数: 9 | 29 本人菜鸟一枚，未有过租车经历，下周将去波多黎各san juan 和st thomas旅游，
想在san juan租车，听说在波多黎各租车需全险，是每个租车公司都需要全险还是部分
公司
需要？
目前我的车险如下，
Liability to Others：Bodily Injury Liability，Property Damage Liability
Comprehensive
Collision
Rental Reimbursement
Roadside Assistance
以下rejected
Personal Injury Protection
Uninsured/Underinsured Motorist Bodily Injury
Uninsured/Underinsured Property Damage
请问我的车险需要补充哪些？
真心请教各位过来人！ |
|
d**w
发帖数: 2474 | 30 What happens if you are in an accident and one party has insurance and the
other does not? Who pays?
First, it is important to note that the party who has insurance may not
necessarily be the party who was at fault for the accident. It is the at-
fault party who is responsible for paying for the damages of the party who
was not at fault. This is true whether or not the at-fault party has
insurance. Here is an example, and let’s say we are in a state where there
is a fault-based insurance schem... 阅读全帖 |
|
p********i
发帖数: 12365 | 31 新司机，24岁，在NJ，半保。
Geico是quote到最便宜的，六个月$383。
BODILY INJURY LIABILITY $15,000/$30,000
PROPERTY DAMAGE LIABILITY $5,000
UNINSURED MOTORIST & UNDERINSURED MOTORIST $15,000/$30,000
UNINSURED MOTORIST & UNDERINSURED MOTORIST PD $5,000
现在暂时失业，没有自己的医疗保险。 |
|
k********u
发帖数: 2209 | 32 hit&run是挺麻烦的，以前听说过有的Uninsured或者Underinsured会管，
但记得其中一个，好像是underinsured，只管人身伤害，不管财产的。 |
|
l*****9
发帖数: 9501 | 33 http://www.examiner.com/article/despite-obamacare-rollout-progr
Despite Obamacare rollout, Progressives see single-payer health care as goal
December 10, 2013
Among the people who express dissatisfaction with Obamacare (the Affordable
Care Act), the bigger number are actually progressives who were upset by the
contortions Obama went through to preserve profit-making private insurance
companies as the gatekeepers to the health care system.
Progressives wanted a single-payer system which every o... 阅读全帖 |
|
p****n
发帖数: 9263 | 34 这个东西在俺的保单上是这么写的：
UNINSURED/UNDERINSURED MOTORIST COVERAGE ($250 DEDUCTABLE TO P.D. LIABILITY)
BODILY INJURY LIABILITY $100,000/$300,000 PER ACCIDENT
PROPERTY DAMAGE LIABILITY: $25,000 PER ACCIDENT
你那上边怎么写的？俺觉得要解读成no PD for underinsured也太不要脸了，保险公司
都这样吗？
covers |
|
d*******h
发帖数: 5065 | 35 国内没underinsured motorist保险么？ |
|
r*****g
发帖数: 9999 | 36 underinsured motorist是有上限的。 |
|
l****z
发帖数: 29846 | 37 Washington (CNN) -- A federal appeals court has tossed out key provisions of
the sweeping health care reform bill championed by President Obama, setting
up a likely election-year showdown at the Supreme Court over the landmark
legislation.
A 2-1 panel of the 11th Circuit U.S. Court of Appeals in Atlanta on Friday
found that the law's "individual mandate" section -- requiring nearly all
Americans to purchase health insurance by 2014 or face financial penalties -
- was an improper exercise of fede... 阅读全帖 |
|
l*****9
发帖数: 9501 | 38 http://www.denverpost.com/recommended/ci_12523427
Debunking Canadian health care myths
POSTED: 06/07/2009 01:00:00 AM MDT
By Rhonda Hackett
As a Canadian living in the United States for the past 17 years, I am
frequently asked by Americans and Canadians alike to declare one health care
system as the better one.
Often I'll avoid answering, regardless of the questioner's nationality. To
choose one or the other system usually translates into a heated discussion
of each one's merits, pitfalls, and... 阅读全帖 |
|
h*h
发帖数: 27852 | 39 Single payer healthcare: Pluses, minuses, and what it means for you
Andrea S. Christopher, MD
POSTED JUNE 27, 2016, 9:30 AM
Andrea S. Christopher, MD, Contributor
Follow me at @andrea_sylvie
As someone who researches inequities in health care, I’ve diligently
followed the debate about healthcare reform. However, most of my friends (
and I suspect most Americans) wonder exactly what single payer healthcare is
and how will it affect them. In a New England Journal of Medicine
perspective piece, Jon... 阅读全帖 |
|
c********h
发帖数: 191 | 40 再接下来就是uninsured 和underinsured.
这也是好多人所不太清楚的.
前者指你倒霉让没保险的人撞了,你若买了这个,
则你的保险公司代赔.
后者指撞你的姐姐liability若只买了15,000/30,000,
而你篇开个大奔房车被她撞毁,你的保险公司就陪15,000
以上的直到最高你所买的限额.
有一点注意. 你可以不买这两相来省premium. 至少藕
这儿不规定必须买. 但若你不买, 通常需签两页纸,
表示生死由命安全在天的意思. |
|
p******r
发帖数: 6213 | 41 如果能查摄像头当然好.另外现在如果你车有uninsurance/underinsurance, 先向你自
己的保险公司claim走这个.是no fault或有injury protection的话,先看病. |
|
p******r
发帖数: 6213 | 42 首先去看看到底是不是你租的车，如果是，如果你是全保，走自己的全保；如果是半保
，如果用信用卡租的，而且有rental car insurance，让信用卡处理；如果没有，走自
己保险的uninsurance/underinsurance, 就说被hit and run了。 |
|
b****o
发帖数: 213 | 43 你有没有选择underinsured motorist 和UIM property damage在你的保险policy，后
者是没有保险的人或者肇事者逃逸的人撞了你之后的一种财产赔偿计划，需要交
deductible，如果你有对方车，司机的信息或当时事故现场有出具事故报告，
deductible可能是100，如何是hit-run那种deductible是$300.但是前提是如果事故发
生过错方是对方，你才能用UIM这个来cover，如果过错方是自己的话只能用collision
来cover |
|
c******n
发帖数: 87 | 44 hi, bszhao,
谢谢。 昨天实在太累。今天看了一下保险。我们购买了这两项：underinsured
motorist 和UIM property damage在你的保险policy
我根本就不知道对方的任何信息。
我的车停在那里这次成活靶子了。 |
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p******r
发帖数: 6213 | 45 claim uninsurance/underinsurance |
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l********i
发帖数: 8858 | 46 hit and run, 叫警察开report.
有的保险不一定让你走Underinsured property damage.
如果有comprehensive 和collision 最好 |
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l********i
发帖数: 8858 | 47 hit and run, 叫警察开report.
有的保险不一定让你走Underinsured property damage.
如果有comprehensive 和collision 最好 |
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l********i
发帖数: 8858 | 48 GEICO 干脆没有Underinsured property |
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TN
发帖数: 1870 | 49 刚收到账单
Bodily Injury Liability (25/50) 从以前的$80.00涨到了$80.90
Uninsured Motorists Bodily Injury (25/50) 从以前的$8.30涨到了$8.40
这两个加起来一共长了一刀也就算了，关键是
Property Damage Liability (25) 从以前的$78.20涨到了$87.70
Comprensive ($200 DED) 从以前的$36.10涨到了$41.30
唯一没变的就是Underinsured Moterist，一共也没多少钱
这样算下来每半年的premium一下子涨了$15.70，以前顶多涨个几毛，从没这样过
自打拿驾照以来从来没半张ticket，更没任何accident，真是莫名其妙
请问最近renew policy的GEICO用户也有无端被涨价的么？
谁给指点一下怎么跟GEICO argue，谢谢！ |
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g*r
发帖数: 2116 | 50 你买保险的时候选了那个 uninsured/underinsured motorist的coverage了么？
如果选了就让自己的保险公司赔 |
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