i feel like upping my coverage.

eddie, i've changed my policy like 3 times in the last 40 days or so, does AAA get pissed at that?

 

I pay about that much for a year for 2 cars h:



BTW, I just recently had the opportunity to give my homeowners insurance it's first workout :ugh:

 

I am probably the only licensed insurance agent in this thread....

USAA is great insurance, it is an ultra prefered market.

Here's what all those numbers mean:
Bodily Injury, 100/200k : this is what they will pay to the people you hurt in an accident, 100k per person, but no more than 200k per accident
Prop Damage: what they pay to fix the OTHER cars , max
UM/Underinsured: what your company will pay to fix YOU, not car, if you get his by someone w.out insurance or not enough
Med pay: what they pay of your medical bills and those of people in your car. per person
comprehensive coverage is one half of full coverage, it covers: theft, vandalism, falling objects, glass, animal strikes. You have no deductable
collision coverage is the other half: it fixes YOUR car in an accident

the rest of that stuff is just standard endorsements pretty much.

That is a good amount of insurance, and a good price. USAA is not available to the public so they can really control their risk exposure.

I hope it's more, because that is dangerously underinsured. Here's the scenario I use: you have 10k of coverage for property damage. My car is worth 35k. If you hit me and total my car, you will owe me 25,000 dollars still. I will sue you, and you will never own anything again.

 

you mean 100/300/100, or, combined single limit of 300k you mean right? And why on earth have a half a million dollars for uninsured? Maybe double check that....

 

no 300/300/300

and it's not unusual to have 500K for UI in CA. specially if you own a home. I also have umbrella coverage that covers me upto 1M.

 

300/300/300 is so weird, i've never seen split limits have an aggregate that is the same amount as per person. maybe it's only in california, i'm not licensed there so i dont know. Here, if you had 300 bi/pd, it would be 300 combined single limit, so its 300 for all, but at max of 300 total

that makes sense on the uninsured, cali's population has a lot of uninsureds.

Canada is ever more intense, it's a flat million for all, minimum!

 

we gots lots of supply of uninsured from our southern neighbor :ugh:

that and medicine costs a shit load here h:

 

50/100/50 for the S2000 with $1000 ded collision and $500 ded comprehensive

$2000 a year

 

ya know, that makes sense. I wouldn't have thought of that, but that explains it perfectly, plus california is rather litigious.

 

I think we have the same coverage. For both Mar and I on both the MDX and the BMW it's like 800 every 6 mos.

I think our UM is higher though.