Do I need to max out my uninsured/underinsured motorist coverage?

I live in Atlanta and can afford to carry the maximum coverage. I also have full coverage, so is it necessary to carry high coverage for uninsured/underinsured motorist coverage?

“Having comprehensive coverage and collision coverage is recommended for most drivers. However, even if you have these, you should still consider carrying higher limits of uninsured/underinsured motorist coverage.
While comprehensive coverage and collision coverage will protect your vehicle in the event of an accident or covered peril, regardless of fault, uninsured/underinsured motorist coverage is specifically designed to protect you from drivers without insurance or insufficient insurance.
If you get into an accident with an at-fault uninsured/underinsured driver, your insurance will cover your injuries or property damage.
Without this coverage, or without enough coverage, you’d most likely need to pursue the uninsured/underinsured driver in court or pay for everything out of pocket.
Emily Maracle
Answered on May 10, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.

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