A: When it comes to purchasing uninsured and underinsured motorist coverage, more is always better. Nobody plans on becoming seriously injured in an auto accident. These things take people by surprise and can really turn your life upside down. The best way to protect yourself is to purchase as much insurance coverage as possible. I recommend purchasing as much coverage as you can afford. $100,000 of uninsured and underinsured coverage is ideal, if not more.
There is nothing worse than being involved in a car accident and then realizing that the other driver is uninsured, or does not have sufficient insurance to cover all of your damages. $25,000 really does not go that far when you take into account all of the expenses a serious injury entails. Medical bills add up very quickly, not to mention the loss of wages associated with being forced to miss work while you heal. It is always a good idea to make sure you have sufficient coverage to protect yourself.