Thanks for posting this.
I was thinking about this stuff a couple months ago but it was all kinda confusing and I never really got around to doing anything about it. I wasn't even thinking about the uninsured/underinsured option either.
Right now I have the bare minimum for the exact reasons you've stated.
At the moment, however, I can't really afford to increase both my Bodily Injury & Property Damage and Uninsured/Underinsured Motorist options. So looks like I'm going to add the Uninsured/Underinsured option later, which now kinda scares me...
Regardless, doing both ups my policy to $288 a year with Progressive. Is that reasonable?
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