s*********4 发帖数: 1980 | 1 之前都是保的50/100,被AGENT一忽悠又有点犹豫了,要把人撞得缺胳膊断腿的,50/100还
真打不住. | O***n 发帖数: 13127 | 2 所以好多agent就用这种低价来attract clients
【在 s*********4 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 之前都是保的50/100,被AGENT一忽悠又有点犹豫了,要把人撞得缺胳膊断腿的,50/100还 : 真打不住.
| r***e 发帖数: 2539 | 3 当初我想把保险升到100/300,结果代理说没房子的人没必要,最后50/100了事。
【在 s*********4 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 之前都是保的50/100,被AGENT一忽悠又有点犹豫了,要把人撞得缺胳膊断腿的,50/100还 : 真打不住.
| O***n 发帖数: 13127 | 4 agent得意思就是你可以file bankrupt , faint! what a thought!
【在 r***e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 当初我想把保险升到100/300,结果代理说没房子的人没必要,最后50/100了事。
| y****i 发帖数: 17878 | 5 depends on how much the difference is between two coverages and your risk
tolerance
【在 s*********4 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 之前都是保的50/100,被AGENT一忽悠又有点犹豫了,要把人撞得缺胳膊断腿的,50/100还 : 真打不住.
| d*e 发帖数: 999 | 6 agent的话一点没错。在你没有不动产的时候,确实不需要那么多,大不了破产,七年
后重新开始,没什么不对的。
【在 O***n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : agent得意思就是你可以file bankrupt , faint! what a thought!
| p********r 发帖数: 1980 | 7 No true. For high income people, they can also go after your wages.
【在 d*e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : agent的话一点没错。在你没有不动产的时候,确实不需要那么多,大不了破产,七年 : 后重新开始,没什么不对的。
| Y*******Y 发帖数: 595 | 8 50/100 is decent, 100/300 is better. The premium difference between the two
options is just a small percentage. Go with 250/500 if you want umberalla
coverage. | Y*******Y 发帖数: 595 | 9 Yes, besides real property, autos, liquid assets, and personal property,
future wages (25%) may be garnished under court order in the event of a
judgment.
There is a trend of increased average vehicle liability award during 2001-
2007, from $208,743 to $472,454. During 2006-2007, 24% of judgment award in
southwest region including California is more than 1M. the numer is 26% for
2004-5, and 20% for 2001-3.
【在 p********r 的大作中提到】![](/moin_static193/solenoid/img/up.png) : No true. For high income people, they can also go after your wages.
| O***n 发帖数: 13127 | 10 赞9Y,
对不是在贫困线上挣扎,esp middle class。 为了省一点点的monthly cost, risk
个破产申请啥的。倒没有必要。
我要去看一下我的保险。
in
for
【在 Y*******Y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Yes, besides real property, autos, liquid assets, and personal property, : future wages (25%) may be garnished under court order in the event of a : judgment. : There is a trend of increased average vehicle liability award during 2001- : 2007, from $208,743 to $472,454. During 2006-2007, 24% of judgment award in : southwest region including California is more than 1M. the numer is 26% for : 2004-5, and 20% for 2001-3.
| f*******e 发帖数: 4531 | 11 sounds scary
in
for
【在 Y*******Y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Yes, besides real property, autos, liquid assets, and personal property, : future wages (25%) may be garnished under court order in the event of a : judgment. : There is a trend of increased average vehicle liability award during 2001- : 2007, from $208,743 to $472,454. During 2006-2007, 24% of judgment award in : southwest region including California is more than 1M. the numer is 26% for : 2004-5, and 20% for 2001-3.
| b***G 发帖数: 542 | 12 LIABILITY 买高点,自己的UIM也可以相应提高,减少了很多风险。
事实是,老中开车通常都还算比较小心,把人撞出很厉害的伤,导致最后被人告的情况
,很少。
可是呢,自己开车小心并不能完全避免车祸。我们要是被那些开车莽撞的,或者是根本
没保险的老墨撞伤,他们根本就是光脚的不怕穿鞋的,除非我们自己有很不错的UIM保
额,否则真的是伤不起的。
有些自己健康保险还不错的,可能没有意识到受伤以后医药费只是损失里头最可控的一
部分。如果你伤到一段时间没法工作,或者丢掉工作,再或者身受损伤导致你无法再从
事同类的工作,那个损失,你的医疗,人寿,甚至是意外伤害AD&D都不一定包的。鉴于
大家人在美国,车祸是导致年轻人受伤和死亡最主要的原因,还是尽量把保险买好点,
不怕一万就怕万一。万一到了那个时候,有点UIM赔付无论如何都比没有要强很多。 |
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