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A Disturbing Explanation for the Proliferation of Uninsured Motorists Losses?

There are two primary ways to create an uninsured motorist: (1) no auto liability coverage, or (2) auto liability coverage that has an exclusion for what happened. According to an Insurance Journal article, UM experience has gotten decidedly worse. Could it be that this is due, at least in significant part, to increasingly stripped-down auto policies being sold on price alone?

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