The Progressive snafu
is not what you think it is. →
In Maryland, when you buy an underinsured motorist policy, you are not actually buying insurance for yourself. Instead, you are effectively buying an insurance policy for anyone who may happen to hit you. That includes their legal representation if it goes to court.
The idea is that people too poor to carry more than the minimum insurance still have access to some recourse rather than getting totally trounced in court. Mandating that drivers buy underinsured motorist policies, as Maryland does, is effectively a tax to ensure that the poor get a fair hearing. Should you think this is a conflict of interest, consider that the same insurance company represents both the plaintiff and the defendant quite often. Two drivers sharing the same insurance company is not an unusual scenario whatsoever.
If you want direct coverage against the underinsured, you should simply boost your regular policy.
Conservatives have been trying to kill mandatory underinsured/uninsured policies since their inception.
Matt Fisher, the blogger whose sister was killed, is a writer/actor for GBTV. That is, Glenn Beck's GBTV. I will let you put the rest of the story together for yourself.