Quote:
Originally Posted by Blackwidow
i just don't see why i have to pay extra for irresponsible people. If the person is uninsured, I can sue them for damages...right?
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Don't think of it as paying for them, think of it as covering yourself. If they are uninsured, what is the likelihood of any meaningful collection if you do find yourself suing them? That said, if you have decent quality medical insurance that will cover you no matter what, perhaps uninsured/underinsured coverage might not be cost-effective. But typically that coverage will include loss of pay while you're out of work, while medical coverage doesn't.