re: Why do we pay for uninsured/underinsured motorist when we already have full coverage?

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Neither am I, I pay insurance to protect my FAMILY if I become unable to work etc….. but you do you

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I mean i get that, but i dont' see a scenario where i'm not dead, where i can't work after 2-4 weeks after the accident. And if i am that bad off, then that's just an extremely rare occurrence to get an accident where i don't die, but i'm basically a worthless human for months. I do'nt work at McDonalds. I can't imagine it being that difficult to sit in a chair with my laptop at home and work, which is what i do now anyway.

To me, that's like me getting earthquake/volcano insurance in Louisiana. I'm not paying to protect me from shite that has such a small chance of happening.

And on top of that, I have things to protect me through my employer health insurance for what you're describing, to ensure i get paid while i'm out in this rare occurrence the accident was bad enough to keep me from working for months.

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You can’t carry collision and UMPD, you 1000% can carry collision and UM/UIM BI.

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I suppose I’m being careless with my language. I want to be able to carry both collision and UMPD, but at separate deductibles.