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I would get it by quasimodo
I was seriously injured in a car accident. Oh, yeah and my car was totaled.
My lawyer collected the max of her policy ($100k) and then, because he figured out my injuries exceeded that, he went after my own uninsured/underinsured insurance and collected an additional $33k. So I'd recommend that you get it.
Also, don't forget that even if you have great insurance you'll pay the deductible and out of pocket portions until you reach your max (if you do have a max amount/yr).
Q