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Originally Posted by n8xwb
I agree (and do not carry uninsured/underinsured motorist coverage). I do believe, however, that if you check, you will find that if you were seriously injured and you carried said coverage you can sue for damages other than purely medical reimbursement AND since the other motorist has no coverage, your own insurance will pay -- hence you would be in fact suing yourself (successfully) for additional monetary compensation.
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I agree and I do understand the UM coverage. But, I am not interested in paying a premium so I can sue myself. Also, when you sue yourself, the maximum payout is limited to the the coverage limit that you pay for. Most insurance companies will only allow UM coverage up to $300K, which is not enough to hire a good lawyer, who would take 40 percent of the settlement anyway.