Uninsured & Underinsured Motorist Bodily Insurance

Do you have good medical and disability insurance already? High deductibles? Policy limits?

I believe this bodily injury is to supplement whatever medical insurance you already have. I believe it would help all of your passengers also. Verify with your agent.

No I don't think it is mandatory.

Keep in mind many people carry the very minimum liability limits and have nothing for you to collect from them personally. This insurance is to help you when their insurance stops paying.