auto insurance question

[space-time]

for Personal Injury Protection (PIP) I have 2 options:

1) My auto insurace is primary carrier, $250 deductible and $250,000 limit

2) My healt insurance is my primary carrier, after which auto carrier kicks in, with $2500 deductible and $15,000 limit.

Option 1 is $200 more expensiver per year than Option 2.

which one is a better deal?

Thanks

[davester]

Not the question you asked, but $250 is crazy low for an auto insurance deductible. Raise it up and save some money. You'll get stuck with increased rates if you make claims low enough for the $250 deductible to make a difference.

[space-time]

the car deductible is $500. The PIP deductible is $250

[Ombligo]

Keep raising it -- any claim under $1000 is going to cause your rates to go up.

And I'd go with option 2 if you have decent health insurance and a reasonable deductible on it.

[prymsnap]

Another thing to consider is that if, let's say you hurt your back in an auto accident and go through your health insurance, it could have long term imapct on future insurability (re: pre-existing condition). But if you treat that same injured back through the auto insurance, your health insurance carrier doesn't need to hear about it. Is that a correct scenario? I'm curious myself.

[JoeH]

prymsnap wrote:
Another thing to consider is that if, let's say you hurt your back in an auto accident and go through your health insurance, it could have long term imapct on future insurability (re: pre-existing condition). But if you treat that same injured back through the auto insurance, your health insurance carrier doesn't need to hear about it. Is that a correct scenario? I'm curious myself.

Probably not. Almost all major health treatments are entered into databases that health insurers share.

[prymsnap]

JoeH wrote:
[quote=prymsnap]
Another thing to consider is that if, let's say you hurt your back in an auto accident and go through your health insurance, it could have long term imapct on future insurability (re: pre-existing condition). But if you treat that same injured back through the auto insurance, your health insurance carrier doesn't need to hear about it. Is that a correct scenario? I'm curious myself.

Probably not. Almost all major health treatments are entered into databases that health insurers share.
Dang. That's not what I wanted to hear. But I guess I shouldn't be surprised.

[Mr645]

If you have solid health coverage, PIP is almost worthless. You can probably spend the money on a better health plan then pay for batter PIP coverage.

Also, I have had three auto claims in the last 4 years.

1) minor glass repair, $200 (No decudt applies in FL for glass)
2) vandalism, $988 total, paid $488
3) Rear end collision by uninsured driver, my insurance paid $9,000 for auto repair and $80,000 for medical

Rates have not gone up

[M A V I C]

Mr645 wrote: Also, I have had three auto claims in the last 4 years.

1) minor glass repair, $200 (No decudt applies in FL for glass)
2) vandalism, $988 total, paid $488
3) Rear end collision by uninsured driver, my insurance paid $9,000 for auto repair and $80,000 for medical

Rates have not gone up

I get a "no claim" discount. I think it comes into play because I haven't had any claims in the last 5 years. If you were receiving such a discount, your rates would go up. You're already paying a higher rate.

[space-time]

"3) Rear end collision by uninsured driver, my insurance paid $9,000 for auto repair and $80,000 for medical"

Sorry to hear that. Sucks that we honest people have to buy insurance (liability) in case we hit others, and at the same time we better buy "uninsured driver insurance" because it's very likely some uninsured driver will hit us. seems like a win-win situation for insurance companies.