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[Music] hey everybody this is tracy wells again from farmers insurance here in grayson georgia with another episode of insurance 101 today were going to have a brief discussion about uninsured underinsured motorists and why you need to keep it on your policy even if youre trying to save money and cut corners here and there on your policy just to save some money one of the reasons we always recommend that you want to always have uninsured motorists is because it fills in the gaps where if somebody hits you and they dont have any insurance or not enough insurance itll cover for any injuries that you may have your passengers may have and damage to your vehicles now theres a trend by some people thatll say hey well i dont need it because i can just go ahead and file it as a collision claim if my uh my car gets hit thats fine however if you go ahead and try to shop for other insurance later on or when you renew youre going to notice that your rates going to go up because its goin