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Originally Posted by _______
I worked in claims for a few desperate years and it doesn't surprise me to hear that a sales guy didn't know what he was selling. Dealt with that all the time.
As I noted earlier, u/m is a first party coverage. It would NEVER cover the occupant of any vehicle but your own. That is true across state lines. I'll wager my CPCU designation on it.
The occupants of the parked car who were injured would be covered by your liability insurance, not the u/m.
I'm glad to hear you managed to find employment in another field.
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you can wager anything you want. insurance varies greatly from state to state. I got out of the business because it was filled with scum bags that wanted to screw their policyholders at any opportunity they had. I put them one step on the run below used car salesmen
