Originally Posted by SNK-EYZ
Originally Posted by BDW
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.

SNK-EYZ is correct. The value of the vehicle should not even be a consideration when deciding if you want Uninsured or Underinsured motorist coverage. It has nothing to do with what you'll get for the vehicle if someone hits it. It's for medical coverage.