Quote:
Originally Posted by rhredd1654
I had Hartford via AARP until I bought a GEM. They could not insure it, so I switched to Allstate. Found out later that Allstate did not cover me for Uninsured Motorist (I would expect most of the contractors do not have full coverage, so if they hit you, they don't pay) so I checked around and found coverage for nearly half of what I was paying through AAA. Whoever you choose, you need to make sure you get Uninsured motorist coverage (not required in Florida).
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FYI "Uninsured Motorist" (UM)coverage pays if the at fault driver is uninsured. If the at fault party has inadequate policy limits to pay the claims of injured parties, you need "Underinsured Motorist" (UIM) coverage.
Bottom line, you need both uninsured and underinsured motorist coverages to protect yourself.