Much more open but background checks. Sheesh. They come in without checks now. That wouldn't be more open.

(08-30-2015 11:50 AM)UCF08 Wrote:  Are you required by law to pay for uninsured motorist coverage?

That same premium is in our health insurance rate as well, it´s just not labeled.

(08-31-2015 07:41 AM)VA49er Wrote:  

(08-30-2015 11:50 AM)UCF08 Wrote:  Are you required by law to pay for uninsured motorist coverage?

That same premium is in our health insurance rate as well, it´s just not labeled.

Well I think most people realize that. It's just not something we can easily remove, unless you want first responders searching for insurance information before they start giving treatment.

(08-31-2015 08:25 AM)UCF08 Wrote:  

(08-31-2015 07:41 AM)VA49er Wrote:  

(08-30-2015 11:50 AM)UCF08 Wrote:  Are you required by law to pay for uninsured motorist coverage?

That same premium is in our health insurance rate as well, it´s just not labeled.

Well I think most people realize that. It's just not something we can easily remove, unless you want first responders searching for insurance information before they start giving treatment.

I was just curious as to why it is labled with auto insurance but not health insurance.

(08-31-2015 08:50 AM)VA49er Wrote:  

(08-31-2015 08:25 AM)UCF08 Wrote:  

(08-31-2015 07:41 AM)VA49er Wrote:  

(08-30-2015 11:50 AM)UCF08 Wrote:  Are you required by law to pay for uninsured motorist coverage?

That same premium is in our health insurance rate as well, it´s just not labeled.

Well I think most people realize that. It's just not something we can easily remove, unless you want first responders searching for insurance information before they start giving treatment.

I was just curious as to why it is labled with auto insurance but not health insurance.

Because it's a different form of insurance, right? I think having uninsured motorist coverage means that regardless of whether or not the other party is insured, your insurance pays out to you whereas the costs associated with the uninsured and your health insurance are more along the lines of the uninsured raising prices overall by using the healthcare system itself. It's not labeled because your coverage doesn't change regardless of anyone elses health insurance whereas the same isn't necessarily true of car insurance.

Someone can correct me if I'm wrong here though.

(08-31-2015 08:54 AM)UCF08 Wrote:  

(08-31-2015 08:50 AM)VA49er Wrote:  

(08-31-2015 08:25 AM)UCF08 Wrote:  

(08-31-2015 07:41 AM)VA49er Wrote:  

(08-30-2015 11:50 AM)UCF08 Wrote:  Are you required by law to pay for uninsured motorist coverage?

That same premium is in our health insurance rate as well, it´s just not labeled.

Well I think most people realize that. It's just not something we can easily remove, unless you want first responders searching for insurance information before they start giving treatment.

I was just curious as to why it is labled with auto insurance but not health insurance.

Because it's a different form of insurance, right? I think having uninsured motorist coverage means that regardless of whether or not the other party is insured, your insurance pays out to you whereas the costs associated with the uninsured and your health insurance are more along the lines of the uninsured raising prices overall by using the healthcare system itself. It's not labeled because your coverage doesn't change regardless of anyone elses health insurance whereas the same isn't necessarily true of car insurance.

Someone can correct me if I'm wrong here though.

So, for auto insurance we are paying for other people twice then. Once through the uninsured insurance premium and second through the overal premium. I know the uninsured part pays out to us, but we would not need it if everyone had auto insurance. I get why it is there, just wish they would spell it out with health insurance so we would actually know how much we are spending for other people. However, pretty sure they don´t do that because it would cause an uproar.

(08-31-2015 08:59 AM)VA49er Wrote:  

(08-31-2015 08:54 AM)UCF08 Wrote:  

(08-31-2015 08:50 AM)VA49er Wrote:  

(08-31-2015 08:25 AM)UCF08 Wrote:  

(08-31-2015 07:41 AM)VA49er Wrote:  That same premium is in our health insurance rate as well, it´s just not labeled.

Well I think most people realize that. It's just not something we can easily remove, unless you want first responders searching for insurance information before they start giving treatment.

I was just curious as to why it is labled with auto insurance but not health insurance.

Because it's a different form of insurance, right? I think having uninsured motorist coverage means that regardless of whether or not the other party is insured, your insurance pays out to you whereas the costs associated with the uninsured and your health insurance are more along the lines of the uninsured raising prices overall by using the healthcare system itself. It's not labeled because your coverage doesn't change regardless of anyone elses health insurance whereas the same isn't necessarily true of car insurance.

Someone can correct me if I'm wrong here though.

So, for auto insurance we are paying for other people twice then. Once through the uninsured insurance premium and second through the overal premium. I know the uninsured part pays out to us, but we would not need it if everyone had auto insurance. I get why it is there, just wish they would spell it out with health insurance so we would actually know how much we are spending for other people. However, pretty sure they don´t do that because it would cause an uproar.

Most policies have uninsured motorist property damage also. If a Mexican without insurance bashes your car?...that pays to fix it.

(08-31-2015 11:22 AM)Fo Shizzle Wrote:  

(08-31-2015 08:59 AM)VA49er Wrote:  

(08-31-2015 08:54 AM)UCF08 Wrote:  

(08-31-2015 08:50 AM)VA49er Wrote:  

(08-31-2015 08:25 AM)UCF08 Wrote:  Well I think most people realize that. It's just not something we can easily remove, unless you want first responders searching for insurance information before they start giving treatment.

I was just curious as to why it is labled with auto insurance but not health insurance.

Because it's a different form of insurance, right? I think having uninsured motorist coverage means that regardless of whether or not the other party is insured, your insurance pays out to you whereas the costs associated with the uninsured and your health insurance are more along the lines of the uninsured raising prices overall by using the healthcare system itself. It's not labeled because your coverage doesn't change regardless of anyone elses health insurance whereas the same isn't necessarily true of car insurance.

Someone can correct me if I'm wrong here though.

So, for auto insurance we are paying for other people twice then. Once through the uninsured insurance premium and second through the overal premium. I know the uninsured part pays out to us, but we would not need it if everyone had auto insurance. I get why it is there, just wish they would spell it out with health insurance so we would actually know how much we are spending for other people. However, pretty sure they don´t do that because it would cause an uproar.

Most policies have uninsured motorist property damage also. If a Mexican without insurance bashes your car?...that pays to fix it.

Agreed, but I am paying for that so, in essense, I am paying to fix my own car even though someone else wrecked it.

(08-31-2015 04:35 AM)Paul M Wrote:  Much more open but background checks. Sheesh. They come in without checks now. That wouldn't be more open.

Not legally, and mainly I don't believe citizenship to people should be limited unless it's for criminal reasons, right now there's a litany of reasons people are turned down including the silly citizenship test.

(08-31-2015 02:55 PM)VA49er Wrote:  

(08-31-2015 11:22 AM)Fo Shizzle Wrote:  

(08-31-2015 08:59 AM)VA49er Wrote:  

(08-31-2015 08:54 AM)UCF08 Wrote:  

(08-31-2015 08:50 AM)VA49er Wrote:  I was just curious as to why it is labled with auto insurance but not health insurance.

Because it's a different form of insurance, right? I think having uninsured motorist coverage means that regardless of whether or not the other party is insured, your insurance pays out to you whereas the costs associated with the uninsured and your health insurance are more along the lines of the uninsured raising prices overall by using the healthcare system itself. It's not labeled because your coverage doesn't change regardless of anyone elses health insurance whereas the same isn't necessarily true of car insurance.

Someone can correct me if I'm wrong here though.

So, for auto insurance we are paying for other people twice then. Once through the uninsured insurance premium and second through the overal premium. I know the uninsured part pays out to us, but we would not need it if everyone had auto insurance. I get why it is there, just wish they would spell it out with health insurance so we would actually know how much we are spending for other people. However, pretty sure they don´t do that because it would cause an uproar.

Most policies have uninsured motorist property damage also. If a Mexican without insurance bashes your car?...that pays to fix it.

Agreed, but I am paying for that so, in essense, I am paying to fix my own car even though someone else wrecked it.

But this is part of YOUR liability coverage which is mandatory for everyone...not part of your collision or comprehensive coverage which is optional unless you are financing. It could just be someone with lapsed insurance...but...often times its an illegal in beater.

(08-30-2015 09:57 AM)Fo Shizzle Wrote:  "Fathom the hypocrisy of a government that requires every citizen to prove they are insured...but not everyone must prove they are a citizen." Now add to this, "Many of those who refuse, or are unable to prove they are citizens will receive free insurance paid for by those who are forced to buy insurance because they are citizens."

His comments are about health insurance..but..it also applies to auto insurance. I pay a premium for "uninsured motorists".

What program covers this other than emergency room treatment which covers all uninsured people regardless of legal status?

(09-01-2015 08:39 PM)dcCid Wrote:  

(08-30-2015 09:57 AM)Fo Shizzle Wrote:  "Fathom the hypocrisy of a government that requires every citizen to prove they are insured...but not everyone must prove they are a citizen." Now add to this, "Many of those who refuse, or are unable to prove they are citizens will receive free insurance paid for by those who are forced to buy insurance because they are citizens."

His comments are about health insurance..but..it also applies to auto insurance. I pay a premium for "uninsured motorists".

What program covers this other than emergency room treatment which covers all uninsured people regardless of legal status?

You probably pay for insured motorist property damage in your policy also in addition to the medical uninsured coverage.

(09-01-2015 08:47 PM)Fo Shizzle Wrote:  

(09-01-2015 08:39 PM)dcCid Wrote:  

(08-30-2015 09:57 AM)Fo Shizzle Wrote:  "Fathom the hypocrisy of a government that requires every citizen to prove they are insured...but not everyone must prove they are a citizen." Now add to this, "Many of those who refuse, or are unable to prove they are citizens will receive free insurance paid for by those who are forced to buy insurance because they are citizens."

His comments are about health insurance..but..it also applies to auto insurance. I pay a premium for "uninsured motorists".

What program covers this other than emergency room treatment which covers all uninsured people regardless of legal status?

You probably pay for insured motorist property damage in your policy also in addition to the medical uninsured coverage.

I understand the concept of uninsured motorist a tad, that has been around forever. It is the health coverage statement from Ben Stein I was wondering about. I do not know of anything similar in health care.