I don’t think any of you understand uninsured/underinsured motorist coverage. Please go sit down with a licensed insurance agent, ask questions and let them explain coverage. I would also ask how many of you have long term care insurance? What would happen if you need rehabilitation, physical therapy and other things that are limited under your health insurance.
Stacked vs non stacked. Do you know how the coverage extends if you have stacked?
I am not saying you do not have option to purchase or decline coverage but please ask questions from a licensed agent before making that decision.
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