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Agree with others by Denver Jim
That's terrible advice. If an agent told you that I would start shopping for another.
Here in Colorado I have 250K UM/UIM coverage. Plus my Umbrella policy here has 1 mill more as excess coverage. So if an uninsured drunk runs a stop light and t-bones me I have 1.25 mill in coverage. And there is another 250K for passengers. And many drive with minimum limits, that's where the underinsured coverage kicks in.
It covers stuff just like a liability policy, pain and suffering, scarring, etc. Not just med bills.
I don't know your state but if you have an Umbrella policy(highly recommended) check and see if it covers UM/UIM. That's another reason to get coverage. the UMB coverage would only kick in if you have the underlying coverage.