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Cars and Transportation
Reply to "Car insurance question re: uninsured/underinsured motorist items"
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[quote=Anonymous][quote=Anonymous]If insurance is required in order to have a car registered, why do states require you to have uninsured or underinsured motorist coverage? How did those people, if they exist, get away with not having the required insurance, and why are we being forced to pay more on their behalf? In fact, why are we not allowed to all just self insure if we want? I just moved to VA, my insurance rate went up a LOT due to their higher required minimums, and I am not happy. It feels like such a scam.[/quote] You also need it for people with minimal insurance. I was a PI lawyer and had to break the news to some folks.... If you're paralyzed and the other driver has $25k coverage and no assets then you're only getting $25k. Well worth it to have $500k UIUM insurance.[/quote]
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