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Old 05-27-08, 10:38 AM
Old Enough to Know Better
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Originally Posted by zoste View Post


Please don't be too quick to drop ANY insurance coverage until you know exactly what it is you are dropping.
Follow the advice given above to the letter.

Having said that, several and sundry insurance agents (and office help) presented (or let/led me to believe) UIM as providing coverage to me over the years that it did not. Just the name is misleading.

I would ask very specifically (in your individual home states) just what UIM covers. We have *serious* uninsured motorist problems here in OK, as well as mandatory insurance laws, but UIM covers none of the scenarios described. That is, not without lawsuits and other flaming hoops all on your dime.

As for the sales point of "protecting yourself from others", UIM is so narrow in scope and conditions that other insurance products give better coverage. Caveat Emptor.
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