[Aces4]

Originally Posted by retiredguy123

I have read and I fully understand what uninsured motorist insurance covers and what it does not cover. It is mostly, but not completely, redundant with my health insurance. In my situation, I would never file a claim for this insurance, so, to me, it would be a waste of money. For the expenses that it covers, I can afford to self insure. So, I choose to not pay for it and save a few hundred dollars. I would suggest that everyone research and understand what you are paying for because most people I have discussed this with do not understand the coverage. Good luck.

OP, this is one person's take on UM. Please read the other thread and decide after thoroughly discussing this coverage with your agent. It all depends on how much exposure you can bear financially.