Quote:
Originally Posted by Raymond
You might want your agent to explain UM and UMPD to you one more time because that's not exactly how it works. UM is ONLY for bodily injury in the event that he third party doesn't have enough or no liability coverage. UM doesn't pay for ANY property damage. UMPD; uninsured motorist property damage with deductible will pay for property DAMAGE ONLY if the third party has NONE. If you borrow Jude's truck to fetch some beer and wreck it the claim is ALL on his policy. Some policies forbid casual use but most A companies allow but still ding the original owners record. I haven't seen a marine policy that has UMPD but I digress.
|
im not going to argue insurance policy rules with you, its pointless since I am not a licensed insurance agent and obviously your policy and mine are nothing alike.
my licensed, insured, and legal representative of state farm insurance company told me I am covered and gave it to me "In writing" spelled out in the contract so that's all I need.
I know what I have, I don't know what you have.
Quote:
Originally Posted by jchief
No offense at all Keakar, but Raymond IS and insurance agent for Lyon's Ins. in Lake Charles.
|
non taken, but obviously the policy I have from state farm is not the same as the one he sells
now he is probably right about the property damage for the boat when its on the water because that part is not spelled out in writing and if its on the trailer its covered through the trucks UMPD.