It doesn't seem fair to cover myself and them. If I'm required to buy insurance it's not fair that someone else gets away without it and then hit me and I have to pay. It's also crazy to have to pay into insurance that I have to pay to be able to use and if I use it it goes up

I put this link in PFL class Schoology web site. I called it "Understanding 5 (3 sir!) 3 types of Car Insurance". 🙂

The last part about the deductible…. For clarification : you said you typically ask the insurance company where "Best" is so that you know everything is covered? I'm a little confused by this statement. I currently have a zero deductible at a higher rate so that everything is covered… Is there something else I am missing?

Do I need umbi and umpd if I am planning to have Collision? What can I do if I have work Insurance that covers car's accident that I want use in the quote and I also want people in my car to be protected?