[Gatorfan1]

Originally Posted by retiredguy123

You are correct that, typically, UM coverage would equal your liability coverage, which, in my case would be $1 million. According to my State Farm agent, this would cost me an additional $480 per year, and it would only cover a bodily injury claim after my health insurance was exhausted, which would never happen. My health insurance policy pays 100 percent of medical costs after a catastrophic limit of $6,000 with no upper limit. Also, the agent said that a State Farm UM policy would not cover a claim for "pain and suffering", only bodily injury. So, I asked her what would be the point of buying it? She agreed that it would not make sense for me to add UM coverage to my policy.

Incorrect. Health insurance is the last coverage to response after all other coverage is exhausted. Also, you can buy um limits to equal your Bodily Injury or lower limits.