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Message: <blockquote data-quote="FullAuto" data-source="post: 3787333" data-attributes="member: 5110">You shouldn't be canceling your Uninsured/Underinsured Motorist coverage just because you have good health insurance.  UM is a much more broad coverage.  It covers members of your household in other cars outside your household.  It covers passengers in your car that aren't in your household.  It can cover your wife and kid if you cause the wreck.  It will stacks on other coverages in various examples.  It also covers things like pain & suffering that your health insurance doesn't.  Med Pay (C coverage) is met to cover your health insurance deductible.  They coverages are so small, it's not paying for a surgery.</blockquote>