car insurance

[724Skinsfan]

Originally Posted by paulskinsfan

PLEASE DON'T DO THAT!!! I don't know what the min coverage is in VA, but in WVA its 20/40/10, meaning 20 thousand per accident, 40 thousand per occurence. Sooo, if you cause an accident, they only pay the injured party up to 20 grand, which comes really really fast if anyone is hurt. THE MOST IMPORTANT INSURANCE TO GET IS UNDERINSURANCE. That means if the yahoo that hits you has minimum coverage, your own insurance kicks in. Sooo, lets say some idiot runs a red light and T-bones you. You're in the hospital with 15k in bills, and he's got the min coverage. He coughs up his 20k, and then your insurance will cough up some as well, but ONLY if you have underinsurance coverage. I hear what you guys are saying about "full coverage" but with some of the idiots out there, I wouldn't risk not being covered in the event of an accident. Medical bills and lost wages pile up pretty darn fast.

No doubt it's a risk but one that I'm willing to take. I think VA's coverage is 25/50/20; just stating, not promoting. Once again, I concede it's a risk.