[Hugh R]

Just checked, I pay about $400 per year for UMI. But if an uninsured hits me, I get my collision deductable of $1,000 waived. In los angeles, the uninsured/underinsured is most likely to be illegal, or at any rate have no money or assets. Also, the state minimum is $10,000 for liability and collision. I carry $250K/$500K. I'd like to get an umbrella, but I can't with my house under another policy, and since I'm in a fire zone, I'm stuck with the home insurer that I can get and their auto is too expensive. In short, I carry UMI because of where I live and that I have enough assets to make it worthwhile for some schmuck to sue me.