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From: crandell@ut-sally.UUCP (Jim Crandell)
Newsgroups: net.legal,net.auto
Subject: Re: Uninsured motorism
Message-ID: <2899@ut-sally.UUCP>
Date: Mon, 16-Sep-85 14:47:10 EDT
Article-I.D.: ut-sally.2899
Posted: Mon Sep 16 14:47:10 1985
Date-Received: Wed, 18-Sep-85 03:29:52 EDT
References: <202@SCIRTP.UUCP> <378@kontron.UUCP> <586@ttidcc.UUCP> <748@lsuc.UUCP> <> <> <757@nmtvax.UUCP>
Reply-To: crandell@sally.UUCP (Jim Crandell)
Distribution: net
Organization: U. Texas CS Dept., Austin, Texas
Lines: 29
Xref: watmath net.legal:2349 net.auto:8164

In article <757@nmtvax.UUCP> allan@nmtvax.UUCP (Allan F. Perry) writes:
>I think that an uninsured/underinsured motorist clause is a good thing to
>have with your insurance.  A couple years ago, while I was sitting in the
>house studying and heard a loud crash.  I went outside to find my car in
>the neighbor's yard and a car speeding away from the scene.  The insurance
>that my dad bought for my car did not have uninsured motorist, so I was
>out a car (more or less).

Yup.  And I'll fill you in on a little secret.  If you HAD had UUM
coverage, you'd STILL have been out a car.  I've had it on my policy
for several years.  In 1981, on I-35 near Waco a (very probable) doper
driving a delapidated old red Ford pickup rear-ended my car (I was
only doing about 50, attempting a delicate passing maneuver on a 70-foot
semi-mobile highway obstruction, at the time) and subsequently blasted
away into the distance, while I struggled to regain control of my car
on the inner shoulder.  I doubt that you can easily conceive of the number
of times I have cursed myself for not making a more concerted effort
to read the license number on that truck.  You see, in order to collect
under the UUM clause, you potentially have to prove that the offending
motorist doesn't have adequate insurance.  That's usually rather difficult
when you can't even identify the person.

Do you understand now why UUM coverage is so cheap?  It is NOT hit-and run
insurance.  Dry ice will form spontaneously in Hell long before the average
policyholder will be able to collect under it.
-- 

    Jim Crandell, C. S. Dept., The University of Texas at Austin
               {ihnp4,seismo,ctvax}!ut-sally!crandell


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