When choosing an automobile insurance carrier (or reviewing your existing automobile insurance policy), at least two considerations come to mind. First, see if there is an arbitration provision, which would likely apply to any “dispute” that you might have with your own insurance company (potentially to include a claim for UM/UIM benefits). Second, does the policy exclude punitive damages? If so, you may want to consider obtaining automobile insurance from another company.
Because the purpose of insurance is to “insure” that you are not exposing yourself to personal liability, you should review and evaluate the current coverage on each of your automobiles and make an educated decision whether to change the limits or deductibles thereof to better protect yourself from potential financial exposure.