I just had to add a side-note...
I am an accident magnet. I have had quite a few NOT-at-fault accidents in the 10 years I have been driving. So, I always keep a good amount of insurance.
A few years ago, I was advised to put uninsured motorist coverage on my policy.
Thank goodness I did.
I was hit head-on by a drunk and high driver without insurance. He caused $15,000 in damages by totaling my vehicle. Then, he caused me $20,000-and still growing all of the time- in medical bills that he couldn't and wouldn't pay. (This was also his 3rd dui and 11th driving on a revoked license, but I digress.)
My insurance company actually hired attorneys to DEFEND the guy who hit me without insurance.
I got a good lawyer who helped me get enough money to pay my medical bills and get a new vehicle. (Unfortunately, I didn't get enough to pay for the medical bills that I will have for the rest of my life as a result of the accident. But, something is better than nothing.)
My point is: Uninsured motorist coverage is a good thing. We will always have it from now on. And, we learned the value of med-pay. (It helps pay medical expenses quickly instead of having to pay for things yourself and then hoping to get reimbursed a year or two down-the-road.)