Most articles I have read about auto insurance recommend that you have $100K per person of uninsured motorist insurance. If you are depending on UM insurance to pay for your medical bills and to also pay for long term care and "pain and suffering" claims, how does that amount of coverage make any sense at all? To me, $100K is nowhere near an adequate amount of coverage. In many cases, it will not even cover the medical bills, which may be deducted from your UM claim, even if you have health insurance. So, for those who insist that everyone buy UM insurance, what limit of coverage do you actually have and do you really think that you are sufficiently covered?
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