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Message: <blockquote data-quote="Zombie" data-source="post: 2002498" data-attributes="member: 5640">not necessary IMOthe common uninsured motorist is essentially an extra bit of medical insurance - not uninsured property for example uninsured motorists would cover health costs if you were taken to the hospital and they had no insurance - but if you did not have full coverage your vehicle would not be covered. If you had full coverage but no uninsured motorist - your car would be fixed (after you pay your deductible)  but your insurance would not necessarily cover out of pocket medical expenses.</blockquote>