Most states require you to purchase uninsured or underinsured motorist car insurance policies as part of your overall car insurance policy. It is recommended that you purchase the highest coverage that you can afford in this area. This is especially true if you live in an area with a high number of uninsured motorists. Keep in mind that the state mandates for this type of coverage are generally very low and it is advisable to take on more than is required. If you are hit and injured by an uninsured or underinsured motorist, this policy can save you thousands of dollars.
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