Personal auto insurance is full of many different coverages, limits and deductibles to choose from. Some of these are required by law, others may be required by your loan company, and the decision to purchase others could be truly up to your preference. So what do you do about those coverages that are optional? Should you skip them in an attempt to save money? Should you buy the lowest coverage possible so you are at least a little protected? Uninsured and underinsured motorist coverage is one of those items that is required in some states and optional in others! So should you purchase?