UM coverage revisited
I know somebody else had a question whether to drop Uninsured Motorist Coverage or not in the past.
I myself did some research, talking to my auto insurance company and my health insurance company, and reading policies. Still confused.
Although my auto insurance agent tells me that UM coverage is VERY important in case someone without auto liability insurance hits me and I have to go to ER, my health insurance seems to cover my ER costs. My health policy says that it does not provide duplicate coverage when I have benefits from UM coverage.
UM coverage seems to be duplicate, therefore I can drop it. Am I wrong?
Another question: My auto agent tells me that I would need to use my health insurance first when I go to ER after an auto accident, then the health insurance company would go after either my auto insurance company or the other party's auto insurance company. Is this how it works?