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Congrats OP, you just convinced me to buy renter's insurance!  Especially since I'm taking an extended vacation at my parent's place and my apt will be unoccupied for 7 weeks...So what are some common ways my insurance company (GEICO) will try to screw me if it comes time to make a claim? Living in Los Angeles, I already checked the earthquake and water from the ground coming the gently caress back up and flooding the place coverage. Does renters insurance cover items I own but not physically in the apartment at the time? I have photography equipment (DSLR, lenses, flashes) worth a few thousand and an Omega watch worth a few thousand as well. If I get mugged on the street for like $6000, what then? Also, I'm moving in July and the policy is for 1 year. Do I get a pro-rated refund when I cancel with them? Or can the policy transfer to my new apartment? INTJ Mastermind fucked around with this message at 05:42 on Nov 24, 2012 |
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Nov 24, 2012 05:37
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| # ¿ May 3, 2024 14:39 |
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Isn't that covered under collision or comprehensive? Getting hit by an uninsured motorist is no different than having your car burned by hooligans. In both cases there's no one held accountable Edit: why buy liability at all or why not only get the minimum policy if you're let off the hook after hitting someone? INTJ Mastermind fucked around with this message at 06:50 on Sep 1, 2013 |
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Sep 1, 2013 06:48
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So if I have good health insurance, i.e. I'm a resident physician and any treatment at our major level 1 trauma center hospital is 100% covered as long as you don't mind your friends and coworkers looking at your weiner, then I don't need UM coverage? I already have disability insurance. And UIM isn't needed as long as their policy is able to cover your out-of-pocket costs after your health insurance pays out, am I correct? Btw apparently I was wrong in that I just found out that I can't have both UMPD and collision coverage at the same time. So I guess I'm on the hook for my deductible either way, and the UM/UIM is only for medical expenses.
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Sep 1, 2013 19:15
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Their health insurance will pay for their bill and then they will come and sue you to get their money back. Also your friend still has to pay co-insurance and deductible out of pocket plus he can come after you for pain and suffering and lost wages while recovering.
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Jan 26, 2014 20:43
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