@@Gjeebs the effort shows! Your videos have always been informative and entertaining to watch but the script somehow made something already quite good even better! As per the share here, I’m going to contact State Farm again (I long ago was a happy customer of theirs) for quotes as my auto+home+umbrella policy with Travelers is getting out of hand. Thanks for the tip!
Get this! My '22 MYP glass got a big crack 2 weeks into ownership from road debri. My Ins company, USAA, covered the glass with zero deductible. They 3rd party all their glass repair claims to SafeLite, who does not instal Tesla sunroof glass, so they in turn had to send me to Sunroof Express. Sunroof Express does not do Tesla sunroof glass so they contacted the local Tesla Service center in Rochester NY, who does not do their own glass repairs and uses a Tesla certified local auto body collision repair shop in Rochester to do the repair. In the end it still cost me zero dollars. The bill, $4, 300 or so for the glass and installation.
Thanks for the video. I had State Farm but switched to Tesla. I have similar coverage and was paying around $150s for Model Y. That’s with no tickets or accidents for many years. That’s with multi vehicle discount and our home insurance discount as well. I’ve had a Model 3 previously and Acura TL. Been with them for over 20 years. I switched to Tesla when we got our Model Y performance and Model X. We’re still saving about $60 monthly even with losing the multi vehicle discount and home insurance discount with State Farm. I think location plays into factor as well. I’m in California and everything is just more expensive here. I also drive 20K+ miles annually
Nice. Thanks for the info. Planning to order either a model 3 or y this month. And I just have a bit of anxiety about breaking the glass roof. I also work and assist in the OR, so I'm familiar with implants. Always nice to have Reps around during a case.
Insurance will vary state to state for the same coverage. One of the big factors we have seen is in states that have a lot of hail claims. Kansas and Oklahoma to name two.
those camera transitions had me laughing. Reminded me of the old 80s parody movies like The Naked Gun and Airplane. The Zucker brothers and Jim Abrahams would be proud. lol
Beware of progressive insurance. I got a crack on my glass near with a roof rack mount hooks in when carrying a small folding ladder. I reported it the next day to progressive had to call them since it didn’t have an option for a crack roof glass on their app. They kept calling it a windshield even though I told them it’s not a windshield. So they marked it as a claim on the app for a windshield. I told him I already had appointment with Tesla but wasn’t until the 17th they try to have me take it to a safe flight on the third. well, I got it fixed today at Tesla for 1692 and submitted the invoice. I just got a call from adjuster saying it was marked as a wrong type of claim it’s just comprehensive claim not glass. And I messed up by getting it fixed without having adjuster come out and look at it, now they said they have to go through a special process and can’t tell me how long it will take to process the claim. It sounds like a lot of BS to me to keep from paying. I wish tesla had insurance in North Carolina. I would drop progressive in a heartbeat.
Wow not bad. I have a very similar policy with loyal customer and good driver credits and it’s 128 monthly for my 19 Mustang GTCS and right under $100 for the Tacoma. I’ve been contemplating trading in and getting the Model Y performance and if the insurance stays around the same I’ll def do it.
@6:55 hey, I like the gecko, it's the best thing going for GEICO.... but it doesn't matter, I do Farmers (for my vehicles) and State Farm (for other property). I may be changing that up a little after I add my Model Y. I'll definitely be doing some insurance shopping. I just happen to come across this vid, today, very on point for me. Thanks!
1:07 Every car includes third-party insurance or CTP as part of your registration of the car. Full comprehensive insurance is something that you get when you pay for insurance for the car, in Australia, I think the way American does insurance is down right stupid. It makes insurance hard, that is why it is best to have a country that only offers FULL COMPRESSIVE. because you are always covered regardless if the other person has insurance or not.
Just noticed that your Macan is blue. That may come in handy in a couple years. My Model Y and wife's 96 Accord are insured through Costco. Right now it's Connect brand insurance. The cost just went down $50 for 6 months full coverage in So. Calif.
You’re Helllllllarious.😂😂😂 oh boy, I needed that fucking laughs with what’s going on with TSLA stocks lately. Love your contents and relentless pursuit of happiness with Tesla car. Love you, bro.
Good stuff. I have USAA. And my Y cost less than my p85. Put a P or an M or well you get the idea and the price jumps. Good to know that full glass coverage covers the roof. I live in az I know that it’s not your fault when you get a cracked window!
I currently have USAA & my Y is getting delivered next month. I’ve been wondering what the difference is between USAA & Tesla’s insurance to see if I could keep USAA since it’s such a great price. It’s good to know that’s been your experience, so I’ll definitely check it out.
Great video! Just an FYI to people who may not know. Insurance is going to be different for everyone. There are multiple factors when insurance companies look at a rate for someone. This includes but is not limited to credit, where you live (zip code), where the car is stored (zip code), who is driving, driving records, vehicle usage, etc. State Farm might be cheaper for you, others might be cheaper with Progressive (which is who I have), some it might be Tesla Insurance, or Erie, Liberty Mutual, etc. It is good to check prices at least once a year. It is also good to just ask your current insurance company if there is anything they can do to lower the price. Sometimes if they rewrite the policy under a new policy, it is cheaper than the old policy. This can be due to rate changes, credit changes, additional discounts on new policy, etc. Just a thought for everyone. Love the content though, keep it up!
my model 3 in Australia costs me 120 AUD (78 USD) per month for full comprehensive, with a $600 (390 USD) excess if the accident is my fault. plus I get 6 month car rental till my tesla is fixed, plus i get choice of body repairer (tesla certified body shop) as well as windshield insurance include so its replaced for free, which also covers the roof on a tesla. So not sure why Americans pay so much for insurance and get less.
If you had to pay out of pocket, I think the max you would pay is the amount of your deductible for comprehensive insurance, which in your case, would be $500.
FYI I passed by Geico Headquarters a few years ago and found it interesting the company's full name posted out front is Government Employees Insurance Corporation
Gjeebs can review TuxMats? I absolutely love mine. I never had a chance to see or feel 3D mats in person. However my Tuxmats fills the entire well. Please do a comparison review.
I bought my 2024 Model Y just under a month ago and the roof cracked. It was not covered under warranty despite there being no sign of "impact" with a foreign object. If you get a Tesla just make sure you have great insurance.
Dude, best video yet. Funny and entertaining... rolled over 20k today, and to mark the occasion I got a rock chip on my glass roof.... ugggg ohio glass coverage goes against my deductible so gotta see how this goes....
Those transitions were just so good lmao...FYI it seems your code for 3D Mats only works on the mats, I tried to buy their carseat protectors, and the code wouldn't apply
Yeah Geico was a pain in the ass when I was rear ended in my Model Y by one of their customers. Ended up having file a small claims case against the other driver. What do you know Geico called me right after that wanting to settle. Funny how that works. Made me jump through all kinds of hoops but it was worth it to get diminished value on my Model 3.
I was paying 250 a month for a cx5 because I totaled like 2 cars so far, you know how long before these accidents are gone to get lower rates? Stryker right?
It's really to do with how expensive they are to repair and that they are more of them on the road now Tesla monopolizes how they are repaired so insurance companies charge a lot of money because of that
I know how you feel. I Just came back from Arizona and bam!! Rock chip on my windshield!! Argh. I commented about it on your road trip under canvas video. On separate question, do you have any videos on battery degradation? I’ve had my 22 performance MY since March and already seen range go down from 301 to max 277. I have 20500 miles on it. So I drive a lot. Just thought I’d ask. You have had your MY for a long time now. Thanks.
I looked into Tesla insurance and I lost a home/auto bundle rate as well as multi-driver (my wife's car) rate. If you're a single car household and rent it definitely could be a viable option. For my situation, it would have been rather silly to make the move. My M3LR is only $86/month with my wife's 2017 Outback at $88/month. I have State Farm also.
I"m on a few Tesla forums on FB. The price may be cheaper in some areas, but apparently the claims service has been a huge issue for some(lack of communication being the biggest complaint I've seen).
If you want rock chips all the time come to Utah! Horrible here. My Shelby GT350 was expensive and is a performance car but costs less in insurance than my Model Y.
Tesla insurance in Texas is cheapest for me. I have higher coverages than you and pay right around $100/month on a 2022 model 3 LR. This is with a safety score of 99 BTW
Insurance 😂 it’s basically organized crime. State Farm tried to sue me in college over some BS. I’m in Florida and would happily pay your rates. Very smart to shop it every 6 months.
I just got a chip on my Y yesterday and Geico called safelite to fill it.The safelite guy said its going to crack soon so its not worth filling it. Geico gives 1 glass replacement for free per year so going to replace it when it cracks soon. My MY insurance is significantly less than my 2017 rx450h.
When you can of if you can switch to Tesla Insurance...if you have one tesla you can insure other cars also with them. It's like half the price if you are generally safe.
Cheap! The exact same coverage here in Louisiana, but we pay $430 per month with 1k deductibles. No tickets, no wrecks either. Geico is the cheapest for us here.
Get rid of that uninsured motorist coverage. You have your comp/coll coverage along with health insurance to cover those uninsured folks. Just my thoughts from being a claims adjuster.
In NJ you can’t just get rid of uninsured motorist coverage.. it’s mandatory to carry at least $15k/30k/5k .. even if he had $100k/300k/100k it would only cost like $50 a year lol.
@@LBrisk01 that would be crazy if it’s the case. Injury attorneys love the the UM coverage as it can increase their own payouts. Someone definitely lobbied the state legislature to get that requirement. Where I’ve lived, it’s been “required” but you can sign a waiver to get rid of it. It really is redundant as long as you’ve got comp/coll along with health insurance. You can get medical payments coverage (like Gjeebs has) to cover your health insurance deductible.
@@MrLogansimmons it’s not really that crazy. If someone who is uninsured hits you and is entirely at fault, it’s your insurance company paying out the cost of repairs that they normally wouldn’t be liable for had the person have coverage. Uninsured coverage can also covers thing like your passengers medical bills and your lost wages. You can do what you please, but I wanted to disclaim it for anyone reading your comment that it’s not as much of a no-brainer as you make it out to be.
@@LBrisk01 you of course need to run the numbers. There might not be a huge cost difference between UM and medical payments (or PIP but let’s not go there). I think people should also ask themselves the question of how they’ll cover the cost of an accident if they’re the one who’s at fault. You could still have lost wages and injuries there too. I like the idea of having coverage that’s universal regardless of fault. For instance, short term disability coverage that you might buy thru your employee benefits would cover you in all scenarios of injury from falling down the stairs in your house to getting in a car accident.
![Summer Walker - Heart Of A Woman [Official Lyric Video]](http://i.ytimg.com/vi/SFddctbZzw8/mqdefault.jpg)
Here is the latest upgrade on my Model Y: ruclips.net/video/piV01Kp4MgA/видео.html
3 camera POV and breaking the 4th wall??? Somebody call Spielberg, we got our next superstar on the line! Nice work Gjeebs.
Bro your videos are getting so good, that was hilarious and extremely entertaining! Keep up the great work!!
Appreciate the feedback! I am doing some script writing so I can deliver a more clear message while still making people laugh
@@Gjeebs the effort shows! Your videos have always been informative and entertaining to watch but the script somehow made something already quite good even better! As per the share here, I’m going to contact State Farm again (I long ago was a happy customer of theirs) for quotes as my auto+home+umbrella policy with Travelers is getting out of hand. Thanks for the tip!
Get this! My '22 MYP glass got a big crack 2 weeks into ownership from road debri. My Ins company, USAA, covered the glass with zero deductible. They 3rd party all their glass repair claims to SafeLite, who does not instal Tesla sunroof glass, so they in turn had to send me to Sunroof Express. Sunroof Express does not do Tesla sunroof glass so they contacted the local Tesla Service center in Rochester NY, who does not do their own glass repairs and uses a Tesla certified local auto body collision repair shop in Rochester to do the repair. In the end it still cost me zero dollars. The bill, $4, 300 or so for the glass and installation.
That transition at 3:05.... Pure cinema! :D
Thanks for the video. I had State Farm but switched to Tesla. I have similar coverage and was paying around $150s for Model Y. That’s with no tickets or accidents for many years. That’s with multi vehicle discount and our home insurance discount as well. I’ve had a Model 3 previously and Acura TL. Been with them for over 20 years. I switched to Tesla when we got our Model Y performance and Model X. We’re still saving about $60 monthly even with losing the multi vehicle discount and home insurance discount with State Farm. I think location plays into factor as well. I’m in California and everything is just more expensive here. I also drive 20K+ miles annually
Nice. Thanks for the info. Planning to order either a model 3 or y this month. And I just have a bit of anxiety about breaking the glass roof. I also work and assist in the OR, so I'm familiar with implants. Always nice to have Reps around during a case.
Insurance will vary state to state for the same coverage. One of the big factors we have seen is in states that have a lot of hail claims. Kansas and Oklahoma to name two.
Bought my mats this week with your code, they arrive Monday
Love the camera transitions...not at all awkward!
I am getting my used Tesla red/white combo Model Y 2020 this coming Friday. Thank you for your video. 👍
those camera transitions had me laughing. Reminded me of the old 80s parody movies like The Naked Gun and Airplane. The Zucker brothers and Jim Abrahams would be proud. lol
Beware of progressive insurance. I got a crack on my glass near with a roof rack mount hooks in when carrying a small folding ladder. I reported it the next day to progressive had to call them since it didn’t have an option for a crack roof glass on their app. They kept calling it a windshield even though I told them it’s not a windshield. So they marked it as a claim on the app for a windshield. I told him I already had appointment with Tesla but wasn’t until the 17th they try to have me take it to a safe flight on the third. well, I got it fixed today at Tesla for 1692 and submitted the invoice. I just got a call from adjuster saying it was marked as a wrong type of claim it’s just comprehensive claim not glass. And I messed up by getting it fixed without having adjuster come out and look at it, now they said they have to go through a special process and can’t tell me how long it will take to process the claim. It sounds like a lot of BS to me to keep from paying. I wish tesla had insurance in North Carolina. I would drop progressive in a heartbeat.
Made me laugh and that doesn’t happen often. Great content.
haha that's my goal with videos a little info and some laughs
Wow not bad. I have a very similar policy with loyal customer and good driver credits and it’s 128 monthly for my 19 Mustang GTCS and right under $100 for the Tacoma.
I’ve been contemplating trading in and getting the Model Y performance and if the insurance stays around the same I’ll def do it.
@6:55 hey, I like the gecko, it's the best thing going for GEICO.... but it doesn't matter, I do Farmers (for my vehicles) and State Farm (for other property). I may be changing that up a little after I add my Model Y. I'll definitely be doing some insurance shopping. I just happen to come across this vid, today, very on point for me. Thanks!
1:07 Every car includes third-party insurance or CTP as part of your registration of the car. Full comprehensive insurance is something that you get when you pay for insurance for the car, in Australia, I think the way American does insurance is down right stupid. It makes insurance hard, that is why it is best to have a country that only offers FULL COMPRESSIVE. because you are always covered regardless if the other person has insurance or not.
i fucken love this guy!
Just noticed that your Macan is blue. That may come in handy in a couple years. My Model Y and wife's 96 Accord are insured through Costco. Right now it's Connect brand insurance. The cost just went down $50 for 6 months full coverage in So. Calif.
Interesting I'll have to look into Costco insurance
You’re Helllllllarious.😂😂😂 oh boy, I needed that fucking laughs with what’s going on with TSLA stocks lately. Love your contents and relentless pursuit of happiness with Tesla car. Love you, bro.
Those neck turns...lmao
Good stuff. I have USAA. And my Y cost less than my p85. Put a P or an M or well you get the idea and the price jumps. Good to know that full glass coverage covers the roof. I live in az I know that it’s not your fault when you get a cracked window!
I currently have USAA & my Y is getting delivered next month. I’ve been wondering what the difference is between USAA & Tesla’s insurance to see if I could keep USAA since it’s such a great price. It’s good to know that’s been your experience, so I’ll definitely check it out.
Great video! Just an FYI to people who may not know. Insurance is going to be different for everyone. There are multiple factors when insurance companies look at a rate for someone. This includes but is not limited to credit, where you live (zip code), where the car is stored (zip code), who is driving, driving records, vehicle usage, etc. State Farm might be cheaper for you, others might be cheaper with Progressive (which is who I have), some it might be Tesla Insurance, or Erie, Liberty Mutual, etc. It is good to check prices at least once a year. It is also good to just ask your current insurance company if there is anything they can do to lower the price. Sometimes if they rewrite the policy under a new policy, it is cheaper than the old policy. This can be due to rate changes, credit changes, additional discounts on new policy, etc. Just a thought for everyone. Love the content though, keep it up!
my model 3 in Australia costs me 120 AUD (78 USD) per month for full comprehensive, with a $600 (390 USD) excess if the accident is my fault. plus I get 6 month car rental till my tesla is fixed, plus i get choice of body repairer (tesla certified body shop) as well as windshield insurance include so its replaced for free, which also covers the roof on a tesla. So not sure why Americans pay so much for insurance and get less.
If you had to pay out of pocket, I think the max you would pay is the amount of your deductible for comprehensive insurance, which in your case, would be $500.
FYI I passed by Geico Headquarters a few years ago and found it interesting the company's full name posted out front is Government Employees Insurance Corporation
"along with my corpse". laughing so I subscribed!
hahahaha
Gjeebs can review TuxMats? I absolutely love mine. I never had a chance to see or feel 3D mats in person. However my Tuxmats fills the entire well. Please do a comparison review.
I bought my 2024 Model Y just under a month ago and the roof cracked. It was not covered under warranty despite there being no sign of "impact" with a foreign object. If you get a Tesla just make sure you have great insurance.
Dude, best video yet. Funny and entertaining... rolled over 20k today, and to mark the occasion I got a rock chip on my glass roof.... ugggg ohio glass coverage goes against my deductible so gotta see how this goes....
Lmao bruh you are hilarious. Same humor as me. Subscribed just bc of that 😂
I feel super comfortable knowing a cartoon character will have my back if I need to make a claim.
Those transitions were just so good lmao...FYI it seems your code for 3D Mats only works on the mats, I tried to buy their carseat protectors, and the code wouldn't apply
Interesting might need $100 minimum order? I'll ask them
Yeah Geico was a pain in the ass when I was rear ended in my Model Y by one of their customers. Ended up having file a small claims case against the other driver. What do you know Geico called me right after that wanting to settle. Funny how that works. Made me jump through all kinds of hoops but it was worth it to get diminished value on my Model 3.
I live in AZ, and windshields seem to break often.
I pay 140 a month for my 2022 model y performance here in NY from State Farm
Why would glass breakage be covered by your warranty after more than about 300 miles?
I was paying 250 a month for a cx5 because I totaled like 2 cars so far, you know how long before these accidents are gone to get lower rates?
Stryker right?
It's really to do with how expensive they are to repair and that they are more of them on the road now Tesla monopolizes how they are repaired so insurance companies charge a lot of money because of that
Geico is great to me and several others whom I know.
May be you’re getting commission from State Farm. You’re a sales man at heart.
haha I wish I was getting commission from them
Do you know why the glass broke? Would this be a warranty issue if you were in warranty?
Probably the roof tint. Apparently it heats the roof and causes it to crack
I don't have my roof tinted a rock hit it
Rock hit it
You pay less per month for the same coverage with Statefarm for 2 vehicles than I do for just my Model 3 as a 22 year old.
Makes a huge difference if you own outright vs lease/finance too
I know how you feel. I Just came back from Arizona and bam!! Rock chip on my windshield!! Argh. I commented about it on your road trip under canvas video.
On separate question, do you have any videos on battery degradation?
I’ve had my 22 performance MY since March and already seen range go down from 301 to max 277. I have 20500 miles on it. So I drive a lot. Just thought I’d ask. You have had your MY for a long time now. Thanks.
I have 2 videos on battery degradation, here is one of them: ruclips.net/video/Twt93swJsyc/видео.html
FoST Nation he mentioned us again.💞💞💞
Hey Gjeebs, can you make one video on Volvo XC60 B5 ultimate ?
If I can get one I will
Have you looked into tesla insurance? What was the cons of that if you did?
I looked into Tesla insurance and I lost a home/auto bundle rate as well as multi-driver (my wife's car) rate. If you're a single car household and rent it definitely could be a viable option. For my situation, it would have been rather silly to make the move. My M3LR is only $86/month with my wife's 2017 Outback at $88/month. I have State Farm also.
@@tifftbrun Thanks, that makes sense 👍
I"m on a few Tesla forums on FB. The price may be cheaper in some areas, but apparently the claims service has been a huge issue for some(lack of communication being the biggest complaint I've seen).
Get the Tesla Insurance when you can. Price based on safety score but lower than what you are paying.
My safety score wouldn't be good
Best video so far ( presenting ) ! Sir you are worth a big CLAP! ( 1 )
Why did the glass crack on the roof?
A small rock hit it, I should have said that in the video haha
Medical Payments: One sheet 😂
Best video yet! Made me lol!
If you want rock chips all the time come to Utah! Horrible here. My Shelby GT350 was expensive and is a performance car but costs less in insurance than my Model Y.
Yea that's why I got PPF on my cars.
Yeah I worry about that Rack causing problems.
So what do I need to make sure is on my insurance on State Farm before I get my new Tesla to make sure that my glass is covered?
0 deductible glass coverage
@@Gjeebs thx sir
Tesla insurance in Texas is cheapest for me. I have higher coverages than you and pay right around $100/month on a 2022 model 3 LR. This is with a safety score of 99 BTW
Does it move up and down a lot?
I ripped my rear left rim on my 2019 sr+ it’s in service rn the estimate is 491 with tax 😂 i’m in relief it wasn’t 1,000
Insurance 😂 it’s basically organized crime. State Farm tried to sue me in college over some BS. I’m in Florida and would happily pay your rates. Very smart to shop it every 6 months.
It really is criminal haha
My model y did that had 15000 miles thay sad its not covered
glass roof was never a part of warranty anyways. this is likely due to the tint/wrap you put on the glass causing higher heat/cool strain.
I don't have any tint or wrap on my roof. Tint does cause strain but I never got that
2022 Tesla Model Y Performance $70 a month with Progressive. I have basically the same coverage.
That's really solid
how did you crack your roof? just curious if it was something off the road that caused it, or your stupidy broke it?
Not paying your cut editor enough lol
hahaha it was part of the joke
I just got a chip on my Y yesterday and Geico called safelite to fill it.The safelite guy said its going to crack soon so its not worth filling it. Geico gives 1 glass replacement for free per year so going to replace it when it cracks soon. My MY insurance is significantly less than my 2017 rx450h.
they just scammed you into charging geico for a huge replacement.
Raise your deductibles to at least $1k. You’ll save a ton. Raise it on your house too.
Progressive insurance!
How is your model y out of warranty already?
Because the warranty only goes until 50,000 miles
@@Gjeebs damn son. Some good driving. 👍 should tesla increase their warrenties?
It's on par with most manufactures plus the battery is covered for 120k miles so I think its fine
Insurance is crazy in the states.
Helpfully Video👌
Curious what kind of medical device? Spine?
CMF
@@Gjeebs worked at medical device mfg. for spine. commissions are crazy for sales reps! RUclips must be more lucrative. :)
@@annl9637 It has been so far
When you can of if you can switch to Tesla Insurance...if you have one tesla you can insure other cars also with them. It's like half the price if you are generally safe.
Tesla insurance is cheaper than Gieco.
State Farm FTW.
$900 isn't bad since you use your car for commercial use.
Porsche AHH. It's pronounced PorscheAHH : 0
So was the broken one single pane or dual pane? Lol
Any idea how the roof glass broke?
A rock hit it
Thought you also purchased a M3 did i miss a video?
That is a friends and we are working on it together
Lol I sold my Corolla Swhen u got my Model 3. 🤓😎
Cheap! The exact same coverage here in Louisiana, but we pay $430 per month with 1k deductibles. No tickets, no wrecks either.
Geico is the cheapest for us here.
how is his insurance so cheap man
I have homeowners and two cars under the same policy so that helps. I would use an insurance broker to get quotes and do it every six months
I want to discussion on your channel problem🏅🏆📈🚀
Hey have you tried Tesla Insurance?
Not yet
@@Gjeebs it saved me soooo much money. I had geico before. Give em a shot.
I have a question, why tf are you driving a pink tesla?
Clickbait. This has nothing to do with your glass roof.
That’s why Arizona needs Kari Lake 👍🏽
That pink wrap is horrible, sorry man.
If you watched the videos you would know why it's pink
get to the damn point! this isn't a vieo about your broken windshield on another car
Don’t stick you face into people's faces.
Get rid of that uninsured motorist coverage. You have your comp/coll coverage along with health insurance to cover those uninsured folks. Just my thoughts from being a claims adjuster.
Unless where you live is different, you can’t make a claim if you don’t have uninsured motorist coverage, even if you have comp/collision coverage.
In NJ you can’t just get rid of uninsured motorist coverage.. it’s mandatory to carry at least $15k/30k/5k .. even if he had $100k/300k/100k it would only cost like $50 a year lol.
@@LBrisk01 that would be crazy if it’s the case. Injury attorneys love the the UM coverage as it can increase their own payouts. Someone definitely lobbied the state legislature to get that requirement.
Where I’ve lived, it’s been “required” but you can sign a waiver to get rid of it. It really is redundant as long as you’ve got comp/coll along with health insurance. You can get medical payments coverage (like Gjeebs has) to cover your health insurance deductible.
@@MrLogansimmons it’s not really that crazy. If someone who is uninsured hits you and is entirely at fault, it’s your insurance company paying out the cost of repairs that they normally wouldn’t be liable for had the person have coverage. Uninsured coverage can also covers thing like your passengers medical bills and your lost wages. You can do what you please, but I wanted to disclaim it for anyone reading your comment that it’s not as much of a no-brainer as you make it out to be.
@@LBrisk01 you of course need to run the numbers. There might not be a huge cost difference between UM and medical payments (or PIP but let’s not go there).
I think people should also ask themselves the question of how they’ll cover the cost of an accident if they’re the one who’s at fault. You could still have lost wages and injuries there too. I like the idea of having coverage that’s universal regardless of fault. For instance, short term disability coverage that you might buy thru your employee benefits would cover you in all scenarios of injury from falling down the stairs in your house to getting in a car accident.
Hi