I have full tort option on my auto policy. My bodily injury liability is 300/500 on each of my three cars. My uninsured/underinsured motorist coverage is currently 100/300 on each of my three cars with stacking. My insurance company says it will raise my UM/UIM motorist coverage to match my bodily injury liability (with a corresponding increase of $178 in my premiums) unless I sign a form and return it to them for the lesser coverage.
How much UM/UIM coverage do I really need if I have the full tort option?