The changes are a roll back of the 2009 changes found in the Governor’s’ budget bill.  Whether this is good or bad depends on your perspective.  If you have insurance but for whatever reason you are in need of budget cutting , this is a good chance to keep some coverage and still trim your budget.  Minimum limits will be reduced in Liability, Medical Pay, and both Un & Under insured Motorist coverages.  If you are  currently NOT insured this may give you the ability to afford insurance.  Now on the other side of the coin, if you are involved with a driver with minimum limits, you will have less protection and will have to carry higher limits for Under Insured Motorist coverage, thus increasing your insurance cost.  Also in the original bill was the ability to stack the coverage for Uninsured and Underinsured Motorist.  In effect you could for a small cost, increase the coverage on the occupants of your auto by up to 4 time the coverage stated on your policy.  Taking this away has hurt everyone who carries insurance.  To read the complete article my comments are based on, check the hyper link below.

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