After spending 2 years in the personal injury field and getting to look at the gruesome photos of people hurt by drunk drivers, I am all for the road blocks.
So many people do not understand the variations of their car insurance. You never know who is on the road and what they have been up to.
So here is the following, in case you don't understand your own policy.
It is common that those who drive drunk do it repeatedly, (until caught). They usually do not have enough insurance to cover some one they hit. That leaves the injured to fall back on their own car and health insurance. That is why you carry Uninsured/underinsured motorist coverage....so that you are covered in case the party at fault does not carry enough insurance. (which is usually 10/20 (thousand) per accident.
When you "stack" your insurance that means if you hit someone, and hurt them, for every car insured, once one liability limit runs out, it jumps to the next policy.
Personal injury protection is the most important, take the no deductible and the highest coverage you can get. This is what an emergency room looks for first in car accident victims.
Some great companies: Geico is the most responsive to their own customers in my experience. Allstate backs their client but are terrible about paying out to the injured. State farm is slow with both their own insured and those hurt. Any other companies can be pistols about any accident and I have fought them all here in Florida. If you have a different experience with your company thats great.
Actually, I guess this could be another thread...didn't mean to hijack.