[retiredguy123]

Originally Posted by nn0wheremann

In most accidents, since so many drivers here are uninsured or under-insured, UM coverage is your only recourse. Medicare will cover your medical costs well, but damage to or loss of your car, funeral costs, etc are what you would expect your UM to cover. By default UM equals your liability coverage, as I recall. You can elect a lower amount, and save considerable amount of premium.

Damage or loss of your vehicle is covered by collision and/or comprehensive insurance, so UM coverage would be redundant in that respect.