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Med pay coverage is often used by insuers to avoid litigation. It's generally a "no fault" type coverage that may be paid to anyone involved in the accident. Sometimes, just paying a bit of medical expense will keep folks away from plaintiff's attorneys. It's good coverage to have IMHO.
As someone said earlier, good idea to purchase high limits (definitely higher than state minimum) of UM coverage. Sadly, we have to buy insurance for idiots who are uninsured or underinsured, that's what UM is for.
Discuss your needs with your Agent or insurer. Hopefully, you'll get advice from someone who can assess your particular situation and suggest coverage that fits your needs.
Driving a car is the riskiest thing many of us do. Never skimp on your auto/homeowner's liability coverage. It's your family and the lifestyle you've labored to build that you're protecting.
As someone said earlier, good idea to purchase high limits (definitely higher than state minimum) of UM coverage. Sadly, we have to buy insurance for idiots who are uninsured or underinsured, that's what UM is for.
Discuss your needs with your Agent or insurer. Hopefully, you'll get advice from someone who can assess your particular situation and suggest coverage that fits your needs.
Driving a car is the riskiest thing many of us do. Never skimp on your auto/homeowner's liability coverage. It's your family and the lifestyle you've labored to build that you're protecting.

Hi Guest!
smilie in place of the real @
Pretty Please - add it to our Events forum(s) and add to the calendar! >> 
