Pennsylvania law requires a car insurer to offer you uninsured and underinsured motorist coverage in the same amounts as your liability coverage. You may, however, sign a form rejecting that insurance coverage. This type of form is known as a waiver of uninsured and underinsured motorist coverage. In the alternative, you may sign a form that reduces your uninsured and underinsured motorist coverage to amounts that are lower than your liability coverage. We recommend that you never sign a waiver, sign down or reduction form. By doing so, you are reducing or eliminating coverage that protects you and family members if you are injured by a person who has no insurance (uninsured motorist) or a person who has inadequate insurance (underinsured motorist). To fully protect your family, it is essential that you have as much uninsured and underinsured motorist coverage as possible.