I come from a subrogation background, so I came in after the disaster, and I've seen how devastating the damage can be, how costly it is to not be sufficiently covered for loss. Insureds would call in for an update on their claim, want to see if their deductible can be reimbursed yet, and they'd mention the amount of medical bills they've paid. I wouldn't broach it with them, but I would notice how they had no BI on their policy or were otherwise underinsured, and I would really hurt for them. Being unprepared is not cheap, and on the flip side, I would see the out-of-pocket costs for the uninsured claimants found at fault, so I'm going to be making payments for a year or better to settle the claim. There will always be accidents, there will always be catastrophes. I want to match folks with the protection they need, and they not wind up one of those sad cases come clean day.