In the OP, it says:
"uninsured/underinsured motorist coverage is utilized very often to pay medical bills, lost wages, and to compensate for pain and aggravation."
I don't think that is true in The Villages. If you are on Medicare or have good medical insurance, you don't need vehicle insurance to pay for medical bills. If I am injured, I don't want an auto insurance company deciding how my injuries are to be treated and who treats them. If you are retired, you don't have any wages to lose. And, who wants to sue your own insurance company for pain and aggravation? If someone else is injured and it is your fault, your liability coverage will kick in, not uninsured motorist insurance. In Florida, uninsured motorist insurance is optional, unlike many other states. I evaluated the cost of the uninsured motorist insurance and decided to not pay for it, but I do have a high limit for liability coverage. It can save a few hundred dollars on your auto policy. Something to consider.
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