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M (Cabana Boy)

Tue Mar 08, 2011 10:21 pm

You are correct that it would be a claim on my insurance.

However, the uninsured I have in OK is only for medical, it doesn't cover collision damage if the other driver is uninsured or under-insured. If I want coverage for physical damage another causes, then that would be covered under my own collision policy.

As I'm sure you know, insurance is regulated at the state level. UM in Oklahoma stacks, where the primary vehicle covers everyone in the vehicle, while the stacked vehicles coverage is only the two insured on the policy (my wife and I). I appreciate the concern, but I have researched this extensively, as it is a substantial savings for me (about $1000/year).

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• I would double check that.... — PriceR, Tue Mar 08, 2011 3:24 pm

  • You are correct that it would be a claim on my insurance. — M, Tue Mar 08, 2011 10:21 pm