Quote:
Originally Posted by retiredguy123
In my opinion, I would drop those and the extended transportation and the roadside assistance. I could be wrong, but I have heard that filing a claim for something like roadside assistance can affect your overall premium. Why not just buy AAA? I think most people have uninsured motorist insurance because they moved from a state where it is mandatory, and many people don't even know what it does and doesn't cover. The most common misconception is that it provides liability coverage, which it doesn't.
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Uninsured motorist coverage essentially buys liability insurance for the other driver if they caused the crash. The amount of coverage it buys for the other guy is equal to the amount of your own liability insurance. If you or someone in your automobile is killed by an uninsured motorist (and the are not all “illegal migrants”, by any measure), your family would receive no compensation.
Suggesting that extensive medical insurance will cover all your losses, even though the other driver is uninsured, is not very smart. “Pain and suffering” from a crash includes permanent disability, as well as the medical costs. As an attorney for many years, and having seen many seriously injured clients resulting from uninsured and under insured drivers, I would never go without uninsured motorist coverage.