Posted On: May 21, 2008, 2:35 pm CDT

Posted By: hopeitpasses

Wow, very ridiculous comment. First, medpay on auto insurance is very very expensive if you go over $5k worth of coverage. (which is not that big of a help anyway). Also, what happens when you cannot go to work? Medpay doesn't cover that.

Next, I agree that a prudent person should insure their investments. But your comment makes it sound like a person should pay for all the other morons out there who are underinsured. Why should one be responsible for an out of pocket expense for some drunk or just plain stupid driver who crashes into a family and injuring all of them?

By now you've used up the $10k in coverage a long time ago on the hospital lien. What do you do if you can't work? How do you feed your family? Ah...right - not only should I have to pay for med pay, uninsured motorist, but also disability insurance. So now I'm out of pocket $300/mo because morons won't get the insurance coverage they should. What do you do if you're struggling to make your bills each month? Can't afford disability insurance? Who's going to pay in that scenario?

You're saying that I should take a hit on my insurance, make a claim which will cost me even more money with increased premiums, because some moron will not have to pay $16 extra per month? Please.

People should get the insurance to protect themselves. But also realize $25k worth of coverage would help everyone, though not fix all problems. It's a start.

Also, I see you did not argue with the $10k limit from the 1980s. Limits have to go up...like housing costs, car costs - everything is subject to inflation.