How much uninsured / underinsured motorist coverage do I need?

[dfulmer]

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?

Thanks!!!

[aaron]

The uninsured/underinsured motorist coverage is to protect you in the event that you are injured by an uninsured or underinsured motorist. It would be available to compensate you for pain and suffering damages for which you would be eligible under state law, but for the fact that the at-fault driver didn't carry insurance, or didn't carry sufficient insurance to provide reasonable compensation for your injuries. You should carry an amount that makes you feel comfortable.

[moburkes]

Remember, too, that, with stacking, the amount of coverage available to you, is based on the # of vehicles insured at the time of the accident. But, like aaron said, unless you can predict if/when you will be involved in an accident with an uninsured or underinsured motorist, there is no "magic" amount of coverage.

Your tort coverage is minimally important in this scenario.

I do suggest that you select extraordinary medical and income loss coverage.