It's shocking how many people are uninsured or underinsured. Plus, insurance minimums are absolutely ridiculous. Florida's minimum is $10K property damage, $10K personal injury, and they don't even require bodily injury liability. Total insanity. You crash into a Porsche full of doctors with that kind of coverage, and you're going bankrupt.
Most states have a minimum of around $25K for bodily injury liability. You can't even step foot into a hospital without paying $20K, so WTF is the minimum supposed to pay for exactly?
I guess a lot of drivers have so little to their name that they are judgment-proof and just don't care if they get sued for $2M.
> You can't even step foot into a hospital without paying $20K
I had a surgery and was in the hospital for a week. The out of pocket cost without insurance was lile 20-30 thousand if I remember correctly. And that is without coupons discount you usually get from cash payment. I used insurance, so I don't know what the discount wiuld be, but usually its like at least 10-20%.
I don't know what hospitals you got to, but 20K for a hospital visit is something I have never heard of.
Most states have a minimum of around $25K for bodily injury liability. You can't even step foot into a hospital without paying $20K, so WTF is the minimum supposed to pay for exactly?
I guess a lot of drivers have so little to their name that they are judgment-proof and just don't care if they get sued for $2M.