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Uninsured is a good idea. Son was in hit & run by Irishrock

Totaled his truck

They found the guy and he only had $25k in insurance

He ended up getting all of that and more with underinsured coverage

Thankfully he did not get a huge settlement as I was told by an attorney that one should hope to never get a huge settlement as the injury would be so catastrophic that future quality of life would suffer