Law_Doge t1_je50n0n wrote

No apologies necessary. Auto insurance is confusing by design IMO. Personally I have Snake Farm which is one of the worst companies, but their rates are comparatively cheap.

UM/UIM are additional pieces of coverage.

Say you’re hit involved in a hit and run. That’s uninsured motorist coverage (UM). You can make a claim against your own insurance company.

If somebody hits you who has minimal coverage, that’s under insured motorist coverage (UIM). After their insurance company pays out the other drivers maximum policy benefits, you can seek the remainder from your own insurance company.

Tort options are essentially the overall ability for you to make a claim.

Limited tort/verbal threshold won’t allow you to make a claim for your injuries unless you meet one of a few exceptions like commercial vehicles, death, disfigurement, loss of a fetus, compound fractures, etc. (out of state driver scenarios get complicated)

Full tort/no verbal threshold allows you to make a claim regardless and have to jump through the insurance companies set of hoops in that regard

You can find all your coverage options on your auto declarations page of insurance policy. The terms and specific rules/regulations vary from state to state which is where the tort/verbal threshold/limitation on lawsuit dichotomy comes from. Consult a local attorney for legal advice if you want to change anything. They’re more than happy to talk coverage options if they’re anything like me (we’re all mostly the same/insane)


Law_Doge t1_je44agz wrote

When you say full coverage, what’s your tort option? Do you have unlimited tort/no verbal threshold/no limitation on lawsuit or do you only have comprehensive and collision?

This is how companies like Geico save you 15% or more in 15 minutes by getting you to sign away your right to make a claim unless you overcome the tort threshold (permanently disfigured, dead, compound fractures)

I’m a personal injury attorney by trade. I deal with these tragic situations on a daily basis

Lastly, $15k/$30k is a paltry amount of insurance to be considered fully legal. If you don’t have underinsured/uninsured motorist coverage you’re screwed