1000thusername t1_ixfdgxi wrote
I fully agree that the Massachusetts minimum insurance limits are absolute GARBAGE.
When we are also in our vehicles, we can choose for high limit “underinsured/uninsured driver” options on our insurance, but if you’re a pedestrian or cyclist or caught up in something like this?? The whole system falls apart.
lefty557 t1_ixfgw7n wrote
Your own under insurance limit applies if you are struck while a pedestrian or on a bike. You can make the claim.
il_biciclista OP t1_ixfh62n wrote
That's great if you have insurance.
1000thusername t1_ixfj1e8 wrote
Agree. The random non-car owner? Fucked.
Ok_Purpose_1606 t1_ixg014g wrote
What, like how are people forgetting about HEALTH INSURANCE?
il_biciclista OP t1_ixgr648 wrote
Some people don't have health insurance. Many people have to pay a lot of money out-of-pocket despite having health insurance.
Ok_Purpose_1606 t1_ixhtpch wrote
Some people, many people. Without knowing you're assuming everyone there is uninsured or has cheap health insurance. The world is not made up entirely of people who are disadvantaged financially. This is a tragedy, not everything has to be turned into a crusade for you to take action. Worry about their health first not their finances. I would be insulted if a friend heard I was injured and the first thing they thought about was how I was going to afford it and not asked me about how I am actually feeling physically.
1000thusername t1_ixiay17 wrote
I’m sure those close to the victims are doing that. We who do not k ow anyone involved can take a more clinical and critical look at what the big picture means for these people and how could this be prevented from happening to others (not only the physical act of the car hitting them but also the structural issues that will leave the survivors’ lives in a shambles and possibly advocate for change - change that could help them as well as change that could help others in the future).
OF COURSE we wish them well with their health.
il_biciclista OP t1_ixj0uzh wrote
>Some people, many people. Without knowing you're assuming everyone there is uninsured or has cheap health insurance. The world is not made up entirely of people who are disadvantaged financially.
I’m not assuming that every single person in that store was poor. I’m suggesting that the financial burden should lie with the driver’s insurance, rather than the victims. If you get run over by a car, it shouldn’t matter how rich you are, or how rich the driver is.
>This is a tragedy, not everything has to be turned into a crusade for you to take action. Worry about their health first not their finances. I would be insulted if a friend heard I was injured and the first thing they thought about was how I was going to afford it and not asked me about how I am actually feeling physically.
I am worried about their health, but at this point, nothing can be done to change the fact that they just got run over by a car. My thoughts and prayers aren’t going to help them. Money might. They could have expensive medical bills, and could be missing a lot of work.
1000thusername t1_ixh931y wrote
Even with… some of the high deductible or catastrophic-only plans have thousands upon thousands of OOP per year. Given that it’s the end of the year, someone with “mangled limbs and amputations” as they described some will get tucked with thousands times TWO very quickly. Even that is enough to destroy a family, let alone some having an inability to work for a long time and maybe never again if they were in a physically demanding field (day construction or similar) that can’t be done with one leg/arm or no legs/arms. For many even a $10k outlay for copays and such would destroy them.
wsdog t1_ixg5b9t wrote
Pay your health insurance deductible, then it's your insurance's problem.
modernhomeowner t1_ixfi4m4 wrote
Yes, and get an umbrella with Under/uninsured coverage! That will get you $1M or more. There are too many ill-insured driver's out there.
il_biciclista OP t1_ixfm13i wrote
That's what I have, because I'm fortunate enough to afford it. If you're less fortunate, the options might be medical debt or bankruptcy.
HistoricalBridge7 t1_ixggtma wrote
I’ve seen the saying that some people are lawsuit proof. You can win a million dollar lawsuit against someone but it doesn’t mean you will actually collect a dime. I’ve also heard (would love a personal injury attorney to chime in) that the first thing lawyers do is look people up in Lexis nexus for insurance information along with an asset search. So having good insurance and umbrella insurance will actually increase your chance of a lawsuit. I’d personally still have it because I own my home and have some assets.
hamakabi t1_ixhc1zh wrote
funny, I had this same thought about your suggestion that I pay for twice as much insurance coverage just because some other douchebags can't drive and it makes you personally offended.
il_biciclista OP t1_ixhd6ct wrote
>funny, I had this same thought about your suggestion that I pay for twice as much insurance coverage just because some other douchebags can't drive and it makes you personally offended.
To be clear: I'm not personally offended that some douchebags can't drive. I'm personally offended that 17 people just got run over by a car, and are likely going to be stuck with large medical bills and little help paying them. I'm personally offended that this happens literally every day in this country.
[deleted] t1_ixgsl18 wrote
[deleted]
modernhomeowner t1_ixh8elo wrote
Auto and homeowners. A renters policy is a form of homeowners coverage. Even way back when I lived with my parents, I bought a renters policy so I could have an umbrella.
Viewing a single comment thread. View all comments