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Post being replied to

That sounds like a bad idea. by John@Indy

With the caveat that I don't know the law of your state or the specific insurance coverage you've been offered, as a general matter uninsured/underinsured motorist coverage applies to much more than medical bills, and allows you to recover from your own insurer what you could recover from the at fault driver if he had sufficient assets or insurance. It applies to lost wages, pain and suffering, etc.