If you don't even have major medical, you're gambling with an almost unlimited downside. And it's not just you who will pick up the tab if you lose. If you ha

If you don't even have major medical, you're gambling with an almost unlimited downside. And it's not just you who will pick up the tab if you lose. If you have a serious enough accident, you'll become one of the people who are causing healthcare costs to rise for everyone else.