Insurance

[Randy B]

I'm down to $413 for the following:
Coverage & Premium Information
2013 Honda

BODILY INJURY & PROPERTY DAMAGE LIABILITY $58.00
BI $250,000 EACH PERSON - $500,000 EACH ACCIDENT
PROPERTY DAMAGE LIABILITY - $100,000 EACH ACCIDENT
UNINSURED/UNDERINSURED MOTORIST $143.00
$250,000 EACH PERSON - $500,000 EACH ACCIDENT
UM PROPERTY DAMAGE $100,000 LESS $250 DEDUCTIBLE $6.00
PERSONAL INJURY PROTECTION - RESTRICTED $85.00
$15,000 EACH PERSON/$30,000 EACH ACCIDENT
$1,000 DEDUCTIBLE EACH ACCIDENT
PROPERTY PROTECTION CO 10,000
COMP $375 DED TOTAL LOSS $22.00
INCLUDES DISAPPEARING DEDUCTIBLE
COLL $375 DED TOTAL LOSS $89.00
INCLUDES DISAPPEARING DEDUCTIBLE
ACCESSORY COVERAGE $3,000 INCL
ROADSIDE ASSISTANCE $10.00

Total Policy Premium $413.00

I HIGHLY recommend upping this one. This was all I had and my bills have topped $95,000 so far and I have a hip surgery coming up to repair a torn labrum. If I had not had medical (I know it's the law, but still) I would be on the hook for all of it. Also I still have deductibles to deal with and since I was let go during my recovery I am now on COBRA and the insurance has changed and I'm expecting a very large bill from my upcoming surgery.
Just be aware that the uninsured motorist does not cover medical, only the vehicle.