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Message: <blockquote data-quote="JD8" data-source="post: 3787012" data-attributes="member: 24">I wasn't referring to the deductible stuff but yes, someone should take the highest deductible they can.   I was asking about the medical coverage, which acts more as uninsured coverage for those in your vehicle, and if you're at fault.  It can definitely be supplemental to your health insurance.  Usually not a high cost addition, so be careful talking people out of it.  Finally, insurance isn't a scam. It's a contract between two parties.  Only problem is that those who buy it, don't read the contract.</blockquote>