Just went through this, only reason to have uninsured is for "pain and suffing", when other driver doesn't have coverage.
GF got in a wreck 5 yrs ago, other driver had coverage, she received $300k settlement, much less in pocket after lawyer and medical fees.
Fast forward 2 years, she complains about cost of her insurance, I say drop the uninsured, she saves a bunch.
Then 2 yrs later, gets hit again, this time other driver has no insurance, she gets her $10k PIP minimum, attorney asks, "why don't you have uninsured coverage......."
Oops
Exactly, it's my understanding the the Uninsured and Under-insured have nothing to do with the vehicle they're for medical expenses.
Maybe someone in the auto insurance field will chime in.
