Auto Insurance

[retiredguy123]

I have had Allstate auto insurance for 25 years. Perfect driving record, no claims. I just got my 6 month renewal notice. It is for $627, which is an increase of 27 percent. Too high to ignore. I called State Farm, and they can provide the exact same coverage for $311. I called Allstate, and they just told me to switch to State Farm. Apparently, insurance companies don't care anything about keeping customers. I tried other companies, but most of them will not provide the high liability coverage amount that I want, and they don't have a local office. Most of my premium cost is for liability. An umbrella policy is an option, but it is not cost effective. Has anyone had a similar experience?

[Altavia]

Suggest taking with Villages Insurance. Great local support with several options.

Also check your LexisNexis report in case something odd is on your record.

Order Your Report Online - LexisNexis Risk Solutions Consumer Disclosure (https://consumer.risk.lexisnexis.com/request)

[MrFlorida]

Are you sure it's the exact same coverage ? That sounds pretty low.

[retiredguy123]

Are you sure it's the exact same coverage ? That sounds pretty low.
Yes, I'm sure. I only have liability, collision, comprehensive, and the mandatory PIP. Nothing else.

[dewilson58]

I have had Allstate auto insurance for 25 years.

You were one of 16,000,000 customers.
You were a number, you were a stat.

[gatorbill1]

You were one of 16,000,000 customers.
You were a number, you were a stat.

Just switched to USAA after my "local" agent did not return my calls or e mails for 3 days. When I called office and said I would talk to another agent if my sales person was unavailable, I was told next available agent would call me. After waiting for 24 hours, I shopped online and found USAA the best price for comparable insurance (I was surprised) because previously they were the highest. My 6 month rate went from $607 to $475 with USAA. By the way, Progressive was second at $494.

[tophcfa]

Watch for the bait and switch with the new insurance company. They often offer you a new customer teaser rate and then jack the premium way up when you get your renewal bill. If you are an AARP member, I have found that the auto policies offered to its members through the Hartford Insurance Group have very competitive rates. Good Luck.

[dewilson58]

Watch for the bait and switch with the new insurance company. .

& read the paper.

not all policies are created equal.

[Kenswing]

I have had Allstate auto insurance for 25 years. Perfect driving record, no claims. I just got my 6 month renewal notice. It is for $627, which is an increase of 27 percent. Too high to ignore. I called State Farm, and they can provide the exact same coverage for $311. I called Allstate, and they just told me to switch to State Farm. Apparently, insurance companies don't care anything about keeping customers. I tried other companies, but most of them will not provide the high liability coverage amount that I want, and they don't have a local office. Most of my premium cost is for liability. An umbrella policy is an option, but it is not cost effective. Has anyone had a similar experience?

I've found that an umbrella policy is one of the cheapest coverages you can buy. We pay $240 for $1,000,000 in coverage. Granted, we need to carry higher limits on our underlying policies.

[retiredguy123]

I've found that an umbrella policy is one of the cheapest coverages you can buy. We pay $240 for $1,000,000 in coverage. Granted, we need to carry higher limits on our underlying policies.
Yes, but both Allstate and State Farm offer up to $1 million in liability coverage as part of their regular auto policy options. Surprisingly, Progressive with The Villages Insurance would only allow up to $250K liability for auto insurance and $500K for their homeowners policy. I think you need more liability coverage for your auto policy than for your homeowners.

[Michael G.]

Watch for the bait and switch with the new insurance company. They often offer you a new customer teaser rate and then jack the premium way up when you get your renewal bill.

When reading this makes my blood boil.

All I read about is always review your policy's every year to get the best coverage and price.
When you do find a company that you feel is for you, they jack up your premium a year later.

Dam if you do, and dam if you don't.

What's the answer People??

[Michael G.]

Yes, but both Allstate and State Farm offer up to $1 million in liability coverage as part of their regular auto policy options.


When you say liability coverage, that's different then an umbrella policy, right?

[dewilson58]

I've found that an umbrella policy is one of the cheapest coverages you can buy. We pay $240 for $1,000,000 in coverage. Granted, we need to carry higher limits on our underlying policies.

Because they never pay out on the policies.
6,500 policies at $240 per is their breakeven point.

[Babubhat]

I have had Allstate auto insurance for 25 years. Perfect driving record, no claims. I just got my 6 month renewal notice. It is for $627, which is an increase of 27 percent. Too high to ignore. I called State Farm, and they can provide the exact same coverage for $311. I called Allstate, and they just told me to switch to State Farm. Apparently, insurance companies don't care anything about keeping customers. I tried other companies, but most of them will not provide the high liability coverage amount that I want, and they don't have a local office. Most of my premium cost is for liability. An umbrella policy is an option, but it is not cost effective. Has anyone had a similar experience?

Same experience three months ago. They told you they don’t want your business. Makes no sense. Just switch. State Farm wants more exposure in Florida I guess.

[retiredguy123]

When you say liability coverage, that's different then an umbrella policy, right?
Not really. Typically, if you have auto insurance and homeowner's insurance, you can buy a third policy called an umbrella policy. The umbrella policy merely piggybacks onto the other two policies, and it increases the liability limits for both policies. But, the umbrella policies I have seen do not add any additional risk coverages, they just provide a higher liability limit.

[Michael G.]

Not really. Typically, if you have auto insurance and homeowner's insurance, you can buy a third policy called an umbrella policy. The umbrella policy merely piggybacks onto the other two policies, and it increases the liability limits for both policies. But, the umbrella policies I have seen do not add any additional risk coverages, they just provide a higher liability limit.

Thanks for putting me on the straight and narrow

[jbartle1]

Watch for the bait and switch with the new insurance company. They often offer you a new customer teaser rate and then jack the premium way up when you get your renewal bill. If you are an AARP member, I have found that the auto policies offered to its members through the Hartford Insurance Group have very competitive rates. Good Luck.

I agree, paying $621 for one year on mercedes

[davem4616]

always shop around...and compare apples to apples

Triple A gave us the best rates for the coverage we wanted last time

[Babubhat]

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[Topspinmo]

I have had Allstate auto insurance for 25 years. Perfect driving record, no claims. I just got my 6 month renewal notice. It is for $627, which is an increase of 27 percent. Too high to ignore. I called State Farm, and they can provide the exact same coverage for $311. I called Allstate, and they just told me to switch to State Farm. Apparently, insurance companies don't care anything about keeping customers. I tried other companies, but most of them will not provide the high liability coverage amount that I want, and they don't have a local office. Most of my premium cost is for liability. An umbrella policy is an option, but it is not cost effective. Has anyone had a similar experience?

IMo Allstate most expensive insurance you can buy, plus they want to monitor you’re driving habits for the so called discounts, which IMO will turn into increases or cancellations if you don’t meet there standards and average mileage requirements. Any insurance company can beat there prices. So, some say you get what you pay for but IMO you can do better. In you’re case you want extreme liability requirements which says you’ll pay lot more. I am surprised it only went up 600 dollars.

Be glad you don’t live in NM where less than 1/2 pays for people who don’t get insurance. Extremely high there when I lived in that state regardless of loyalty and no accidents.

[Topspinmo]

Watch for the bait and switch with the new insurance company. They often offer you a new customer teaser rate and then jack the premium way up when you get your renewal bill. If you are an AARP member, I have found that the auto policies offered to its members through the Hartford Insurance Group have very competitive rates. Good Luck.

I had Hartford in pass and that’s EXACTLY what they did.

[SHIBUMI]

I missed it, what is the make and model of your car????

[rstebbins]

I would suggest always bundling your home, auto, and umbrella with the same carrier. Usually gets you a better rate overall. Should look at the total for all three. Umbrella is a necessity with all of the lawsuits. Just look at all the signs on the Freeway. A rule of thumb is to carry an umbrella equal to your net worth. As mentioned above, an umbrella policy will require that you carry limits on your other policies above the state-required minimum, which are way too low. Don't forget to mention if you own a golf cart. It affects the umbrella. I just switched back to Foremost (direct not through the village's insurance) and got a good rate on the Cart.

[Luggage]

Geico doubled, switched to progressive, you are just a number .

[donfey]

Time to shop.

[Shapdaddy]

Yes. Had Progressive via The Villages Ins. Premium went up to $2000 for two cars for the year. No claims, etc. They switched me to Mercury exact same coverage for $1400.

[noslices1]

I’ve had State Farm since I was 16 years old. That would make it 62 years now. I’ve had a few claims over the years and they have never hesitated to take care of them. (None for at least 30 years). Policy is under $600.00 for six months and I’ve checked with several other companies and some can beat the rate, but not by enough to make me want to change companies. Homeowners is a different story. They were 50% higher that what I was paying through The Villages Ins, but when American Integrity almost doubled their rate (because of all the free roofs), I switched to Farmers.

[midiwiz]

I have had Allstate auto insurance for 25 years. Perfect driving record, no claims. I just got my 6 month renewal notice. It is for $627, which is an increase of 27 percent. Too high to ignore. I called State Farm, and they can provide the exact same coverage for $311. I called Allstate, and they just told me to switch to State Farm. Apparently, insurance companies don't care anything about keeping customers. I tried other companies, but most of them will not provide the high liability coverage amount that I want, and they don't have a local office. Most of my premium cost is for liability. An umbrella policy is an option, but it is not cost effective. Has anyone had a similar experience?


age, credit, vehicle, location all play a part in this. I've had State Farm for decades. I can tell you that none of my vehicles are that that low for 6 months. I believe the lowest is 427. With that said, I also don't carry minimum coverage. It's not worth it in this state due to the types of drivers I was advised years ago to go on the higher end, and I'm glad I did. I also carry them for homeowners and umbrella.

[rmd2]

Suggest taking with Villages Insurance. Great local support with several options.

Also check your LexisNexis report in case something odd is on your record.

Order Your Report Online - LexisNexis Risk Solutions Consumer Disclosure (https://consumer.risk.lexisnexis.com/request)

I have a $79,000 claim listed on my LexisNexis that is NOT mine and I have tried for over 2 years get them to remove it. They told me they did removed it but the next time I got a homeowners insurance quote I was informed that this claim was still on my report! Any advice on what I can do about getting LexisNexis to remove it??

[SusanStCatherine]

I shopped around a lot before closing on new house in September. I went with State Farm. They provided best coverage for lowest cost and deductibles. We were with Liberty Mutual which would have cost double. My State Farm agent sat with me for over two hours and answered all of my questions. We agreed to have our driving monitored because it lowers your rates.

[Mikenbats66]

Had Allstate , raised rates and switch to state farm cheaper. After 2 years raised rates for no reason and gave no explanation. Switch to travelers and saved $450 for 6 mo . Have three vehicles.
They are sneaky though .
They have a option called IntelliDrive which saves 6 prr cent . You install it on ur call for 90 days and monitors your driving habits . Safety they say , but it tracks your mileage so on renewal they can raise your rates if you drive over your stated miles .

[Goinghiway]

An Umbrella Policy is the cheapest protection u can get…. It covers just about everything u own…

[Snowbug]

I have had Allstate auto insurance for 25 years. Perfect driving record, no claims. I just got my 6 month renewal notice. It is for $627, which is an increase of 27 percent. Too high to ignore. I called State Farm, and they can provide the exact same coverage for $311. I called Allstate, and they just told me to switch to State Farm. Apparently, insurance companies don't care anything about keeping customers. I tried other companies, but most of them will not provide the high liability coverage amount that I want, and they don't have a local office. Most of my premium cost is for liability. An umbrella policy is an option, but it is not cost effective. Has anyone had a similar experience?
We have had State Farm for over 35 years, after switching from AllState. Of course, we now have huge discounts, having all of our insurance with them.

[Cliff Fr]

I have had Allstate auto insurance for 25 years. Perfect driving record, no claims. I just got my 6 month renewal notice. It is for $627, which is an increase of 27 percent. Too high to ignore. I called State Farm, and they can provide the exact same coverage for $311. I called Allstate, and they just told me to switch to State Farm. Apparently, insurance companies don't care anything about keeping customers. I tried other companies, but most of them will not provide the high liability coverage amount that I want, and they don't have a local office. Most of my premium cost is for liability. An umbrella policy is an option, but it is not cost effective. Has anyone had a similar experience?
They more than likely raised your rates only because of your age. They were hoping you would cancel your policy.

[rlcooper70]

AAA .. bundle the home and auto and get a great deal.

[kkingston57]

When you say liability coverage, that's different then an umbrella policy, right?

Partially correct. Both are liability coverages, but umbrella coverage only pays for claims that exceed your underlying liability coverage. If your auto liability coverage has a limit of $100,000 and you have a $1,000,000 umbrella policy and have a claim against you for $250,000, your auto policy will pay the 1st $100,000 and your umbrella will pay $150,000.

[retiredguy123]

An Umbrella Policy is the cheapest protection u can get…. It covers just about everything u own…
I have had umbrella policies in the past, but they only increased the liability limits on my home and auto policies. They did not offer any protection for additional risks. I don't know what kind of umbrella policy you are referring to, but some people mistakenly think that an umbrella policy will protect them from events that are not covered in their home and auto policies. The ones I had did not. If there is an umbrella policy that will cover risk events that are not covered in the standard home and auto policies, I would be interested in finding out specifically what they cover and who sells them. Thanks.

[kkingston57]

I have had Allstate auto insurance for 25 years. Perfect driving record, no claims. I just got my 6 month renewal notice. It is for $627, which is an increase of 27 percent. Too high to ignore. I called State Farm, and they can provide the exact same coverage for $311. I called Allstate, and they just told me to switch to State Farm. Apparently, insurance companies don't care anything about keeping customers. I tried other companies, but most of them will not provide the high liability coverage amount that I want, and they don't have a local office. Most of my premium cost is for liability. An umbrella policy is an option, but it is not cost effective. Has anyone had a similar experience?

Best thing you can do is to shop around. Forget about company allegiance. A thing of the past. I was in the insurance biz. $311 seems very low unless you are buying minimal coverage. Working with a local person/company also is disappearing.

We moved from S. Florida. We are now paying 40% less. Suspect that our rates are going to go up a lot more, due to increases in vehicular traffic.

Suggest going to a local independent agent. They have the resources to get you multiple quotes.

[retiredguy123]

Partially correct. Both are liability coverages, but umbrella coverage only pays for claims that exceed your underlying liability coverage. If your auto liability coverage has a limit of $100,000 and you have a $1,000,000 umbrella policy and have a claim against you for $250,000, your auto policy will pay the 1st $100,000 and your umbrella will pay $150,000.
Correct. But, also, most companies will not sell you an umbrella policy unless you already have the maximum allowable liability coverage on your home and auto policies. So, it would be unlikely that you would have an umbrella policy and also have an auto policy with only $100,000 of liability coverage. Both Allstate and State Farm will allow you to purchase an auto policy with $1 million in liability coverage. Progressive will allow up to $250,000 in liability coverage for most customers.

[OhioBuckeye]

I have had Allstate auto insurance for 25 years. Perfect driving record, no claims. I just got my 6 month renewal notice. It is for $627, which is an increase of 27 percent. Too high to ignore. I called State Farm, and they can provide the exact same coverage for $311. I called Allstate, and they just told me to switch to State Farm. Apparently, insurance companies don't care anything about keeping customers. I tried other companies, but most of them will not provide the high liability coverage amount that I want, and they don't have a local office. Most of my premium cost is for liability. An umbrella policy is an option, but it is not cost effective. Has anyone had a similar experience?

Oh they care about customers they already have but they’re in business to make money. Like most Ins. Co. if all of their clients had wrecks or fender benders, it’s costing that Ins. Co. money so how do we think they stay in business, raise all their clients rates to cover their expenses. Otherwise they would go broke. I think you’ll find that out with any Ins. Co. you go with.
You might get a good rate the first yr. or 2 but your rates will go up there too, real soon! Just my opinion but do what you want.

[retiredguy123]

Best thing you can do is to shop around. Forget about company allegiance. A thing of the past. I was in the insurance biz. $311 seems very low unless you are buying minimal coverage. Working with a local person/company also is disappearing.

We moved from S. Florida. We are now paying 40% less. Suspect that our rates are going to go up a lot more, due to increases in vehicular traffic.

Suggest going to a local independent agent. They have the resources to get you multiple quotes.
It does seem low to me also. I plan to visit the State Farm office to ensure that they have quoted me correctly. But, the coverage includes $1 million in liability and $500 deductibles for collision and comprehensive. I save money by not buying any other non-mandatory coverages. I do not have the uninsured motorist insurance (optional in FL), which I think is a waste of money. I know some people disagree with that approach, but, as I understand it, it doesn't provide any liability protection for me.

[Skip]

retiredguy123:
I shopped recently and GEICO and Progressive were the highest. I stayed with my current insurer, Auto-Owners, sold through independant agents. They were still cheaper. Not a recommendation, just a suggestion for a lower rate. [BTW: Report back here with coverage limits, your age and your car model along with your new premium when you get new insurance. Thanks.]

I would never buy from AllState. Knew someone who worked in their claims processing unit and she had to quit because she did not like their shady practices in treating their own customers during a claim.

And that Lexis/Nexis Report: I would NEVER enter my SSN, DOB, Address and Driver's License Number on an internet page. If they ever get hacked, say goodbye to your identity. The Target breach was enough for me two years ago.

Skip

[Skip]

You might get a good rate the first yr. or 2 but your rates will go up there too, real soon! Just my opinion...

I thought that too but years ago a friend in the business told me most states have laws that prevent insurance companies from "introductory rates" (like cable TV, etc.). They are not allowed to quote $500 for the first year or two, then jack you up to $700, then $900 after that. The rate is supposed to be based on RISK (not be an income REWARD). Anyone know what the insurance law is in Florida? Former insurance sales agents out there, reading this?

Skip

[irishwonone]

You were one of 16,000,000 customers.
You were a number, you were a stat.
Exactly. But where’s the love anymore? No love it’s just business.🤑

[conman5652@aol.com]

If veteran USAA the way to go period

[EBZ06]

"Esurance" . . . shop it. It's owned by Allstate but the rates are much cheaper. I couldn't get Geico, Progressive or USAA (yes, I'm a Veteran) anywhere near as cheap as Esurance's quote.

[Eg_cruz]

I have had Allstate auto insurance for 25 years. Perfect driving record, no claims. I just got my 6 month renewal notice. It is for $627, which is an increase of 27 percent. Too high to ignore. I called State Farm, and they can provide the exact same coverage for $311. I called Allstate, and they just told me to switch to State Farm. Apparently, insurance companies don't care anything about keeping customers. I tried other companies, but most of them will not provide the high liability coverage amount that I want, and they don't have a local office. Most of my premium cost is for liability. An umbrella policy is an option, but it is not cost effective. Has anyone had a similar experience?
Try The Hartford …aarp group

[OhioBuckeye]

I thought that too but years ago a friend in the business told me most states have laws that prevent insurance companies from "introductory rates" (like cable TV, etc.). They are not allowed to quote $500 for the first year or two, then jack you up to $700, then $900 after that. The rate is supposed to be based on RISK (not be an income REWARD). Anyone know what the insurance law is in Florida? Former insurance sales agents out there, reading this?

Skip

Skip, you might be right but it used to be the way I said. In fact I just traded in my 2018 Ford Escape for a 2021 Ford Edge & my new Ins. rate they said it would be $20.47 a yr. cheaper. Don’t know how they came up with $20.47. One reason I said what I did was because Florida & TX. where I live now are both a No Fault States. So the person at fault & the person that hit make their own claims.Here in TX. if you turn a claim in, Ins. skyrockets. My granddaughter was paying $8??.00, when she put a claim in it went to $1,200. a yr. So what I’m saying is if it’s drivable drive it & don’t turn in a claim. If you find out from an agent, post it here on TOTV, I would like to know. No Fault Ins. is a no win for the client & a gain for Ins. Co. I’m originally from Ohio & if you’re at fault there, you pay. Interesting subject!

[SharonW]

I have a $79,000 claim listed on my LexisNexis that is NOT mine and I have tried for over 2 years get them to remove it. They told me they did removed it but the next time I got a homeowners insurance quote I was informed that this claim was still on my report! Any advice on what I can do about getting LexisNexis to remove it??

Contact the company that reported the claim to LexusNexis and get a letter from them that the claim is not yours. Any insurance company underwriting department will accept the letter and approve removing claim.

Umbrella…if your agent has not done a review with you about what assets are judgement proof or not judgement proof in Florida (if you are a resident of Florida) then how do you know what Liability limits you need to purchase? If you are not a legal resident of Florida you need to check with your resident state for the information.

[SharonW]

It does seem low to me also. I plan to visit the State Farm office to ensure that they have quoted me correctly. But, the coverage includes $1 million in liability and $500 deductibles for collision and comprehensive. I save money by not buying any other non-mandatory coverages. I do not have the uninsured motorist insurance (optional in FL), which I think is a waste of money. I know some people disagree with that approach, but, as I understand it, it doesn't provide any liability protection for me.

UM protects you if you are injured by an auto and the other party is at fault and does not have sufficient or any Bodily Injury limits to pay your medical bills, pain and suffering, rehabilitation, death benefit and more.

Are your assets protected?

[retiredguy123]

UM protects you if you are injured by an auto and the other party is at fault and does not have sufficient or any Bodily Injury limits to pay your medical bills, pain and suffering, rehabilitation, death benefit and more.

Are your assets protected?
Thanks. I understand what you said. But, I don't want to sue anyone for pain and suffering, I don't need a death benefit, and I have plenty of health insurance and cash to cover any medical expense that I may incur. And, I don't want to undergo the hassle of having to use my auto insurance company for medical treatment, which is what happens when you have uninsured motorist insurance and you are injured in an accident. Also, I don't feel any obligation to pay for an uninsured motorist's liability for injuries to any passengers who may be riding with me.

I think that many people, who pay for UM coverage, came from a state that required it, and they don't know that it is optional in Florida. And, in most cases, it is redundant with your health insurance. Also, if your UM coverage limit is only $10,000 or so, what would be the point of filing a claim for pain and suffering?

[SharonW]

I thought that too but years ago a friend in the business told me most states have laws that prevent insurance companies from "introductory rates" (like cable TV, etc.). They are not allowed to quote $500 for the first year or two, then jack you up to $700, then $900 after that. The rate is supposed to be based on RISK (not be an income REWARD). Anyone know what the insurance law is in Florida? Former insurance sales agents out there, reading this?

Skip
Rates are approved by the State Department of insurance. There is also a cap of profit an insurance company can make in Florida. Florida regulates everything companies do in Florida.

As for premiums…Did you know Florida is the 3rd largest populated state?

Hurricane Irma Claims Data (https://www.floir.com/office/hurricaneseason/hurricaneirmaclaimsdata.aspx)

[SharonW]

Thanks. I understand what you said. But, I don't want to sue anyone for pain and suffering, I don't need a death benefit, and I have plenty of health insurance and cash to cover any medical expense that I may incur. And, I don't want to undergo the hassle of having to use my auto insurance company for medical treatment, which is what happens when you have uninsured motorist insurance and you are injured in an accident. Also, I don't feel any obligation to pay for an uninsured motorist's liability for injuries to any passengers who may be riding with me.

I think that many people, who pay for UM coverage, came from a state that required it, and they don't know that it is optional in Florida. And, in most cases, it is redundant with your health insurance. Also, if your UM coverage limit is only $10,000 or so, what would be the point of filing a claim for pain and suffering?

Not everyone is as lucky as you to have finances to cover thousands of dollars of medical bills, etc. Cost for extended coverage for nursing home and rehab over and above what Medicare will pay adds up quickly. What if someone is in an accident and lost a leg, arm, paralyzed, brain damage, etc. Most do not have financial sources for extra expense and lifestyle change? It is your choice but most need coverage. I hope it is the worst investment I ever make because I do not want it to happen to me or anyone, but I sure will be thankfulI I made the investment if I need the coverage.

I have a friend who was in an auto accident last month. She had to be airlifted to trauma center in Ocala. Broke almost every bone in her body. She will be in hospital and rehab for months.

[SharonW]

Everyone is talking about premium increases if you have a claim. You can purchase accident forgiveness which is additional premium but if you file a claim, you have guarantee that your premiums will not be increased due to claim. Some companies give unlimited accident forgiveness. Some offer one claim forgiveness every -3- years. Normal premium increases will still apply each year which are based on overall claims expense the companies have paid out but no surcharge for turning in a claim if you purchase endorsement.

Bottle line find an agent who explains everything and offers a quote based on your need. Asset exposure, etc. if an agent just quotes you apples for apples are they really being an agent or an order taker. Ask yourself why you buy insurance!

[retiredguy123]

Not everyone is as lucky as you to have finances to cover thousands of dollars of medical bills, etc. Cost for extended coverage for nursing home and rehab over and above what Medicare will pay adds up quickly. What if someone is in an accident and lost a leg, arm, paralyzed, brain damage, etc. Most do not have financial sources for extra expense and lifestyle change? It is your choice but most need coverage. I hope it is the worst investment I ever make because I do not want it to happen to me or anyone, but I sure will be thankfulI I made the investment if I need the coverage.

I have a friend who was in an auto accident last month. She had to be airlifted to trauma center in Ocala. Broke almost every bone in her body. She will be in hospital and rehab for months.
My health insurance covers those things and has a catastrophic limit of $5,000 per year, so there would be no out-of-pocket expenses exceeding that amount. Many retired people have original Medicare and a Medicare supplement, which basically covers all out-of-pocket medical expenses. But, if you do need to buy the uninsured motorist insurance, you need to buy a very high coverage limit (more than $100K per person). Otherwise, I think you would be wasting your money. If you move into a nursing home, and/or have additional out-of-pocket rehab expenses, $100K would be depleted in a few months, unless you have good medical insurance.