“Do you need underinsured motorist coverage?”
Absolutely positively YES! you need uninsured/under-insured motorist coverage! You own a car, there’s one coverage I tell everybody they MUST MAKE SURE THEY HAVE and that is uninsured or under-insured motorist coverage. It’s very important.
WHY? I’ve seen over the years such tragedy when people pay to cover others if they hurt someone else, but never have coverage to protect THEMSELVES. In other words, you should buy coverage for yourself for the same amount you buy should you hit someone else. So if you have $100,000 liability in case you’re at fault in an accident, have the same amount of coverage for yourself should someone else HIT YOU. In the case someone else who hits you has only $25,000 insurance policy, YOU still have an additional claim you can make for $100,000 to help cover your expenses… medical bills, lost wages, etc.
Under-insured motorist coverage is an absolute must if you own a car and the dollar amount it adds to your premium annually is minimal, and very much worth it as an important pre-caution to cover yourself, goodness forbid you are in a car crash.