We tell anyone who will listen that they should carry as much UM as they can afford. Automobile insurance companies are required to offer UM to customers in the exact same amount as the amount of bodily injury liability coverage the customer buys. Many people will reject UM or accept reduced UM limits. We believe this it is a serious mistake to short-change UM coverage.
Imagine if you are hit and catastrophically injured by a driver who has no liability insurance and no assets. UM coverage might be the only recourse you have to pay for many of your medical bills, lost wages, and to receive ANYTHING for pain and suffering, inconvenience, disability, etc.
Wouldn’t you want the largest safety net you could afford? This should be particularly important in times like these when we know more and more people are driving around without any insurance at all.