re: So the uninsured ahole who ran a red light and hit me...

quote:

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I agree with her. I don't have it

You better hope you're never hit by an uninsured driver then...

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I don't have it and have been hit by a uninsured motorist. My collision covered repairing my vehicle, no passengers were injured, but if they had been I have liability coverage, if I had been injured I have medical coverage, I don't work, so income remains the same, when I did work I carried sufficient disability insurance. And as in the case of the OP if I were to get sued, again I have auto liability coverage and a large umbrella policy. The lack of the additional premium for uninsured motorist more than offsets my deductibles if I go a year without using any of my insurance.