Do you need coverage for uninsured drivers, even if you have collision and comprehensive coverage? The answer is yes. Collision insurance will pay for the repair of your vehicle if you're hit by an uninsured driver, but it won't cover any of your medical expenses, and comprehensive insurance won't cover your expenses at all after a collision. Comprehensive insurance only pays for repairs if your car is damaged by something other than a collision, such as acts of vandalism or a natural disaster. In addition to the basic liability package, you would need coverage for uninsured motorists, personal injury protection (PIP), or MedPay to cover your medical expenses after a collision with an uninsured driver.
It's important to take the highest deductible you can afford. When it comes to collision and comprehensive coverage, remember that the collision covers physical damage to your car as a result of a collision with another object, while comprehensive coverage covers damage caused by most other causes, such as fire, vandalism, floods and adverse weather conditions. Also, always drive safely and maintain a good driving record. The most commonly recognized coverages are collision coverages and comprehensive coverage.
Collision coverage pays for physical damage to your car as a result of your car's collision with an object, such as a tree or other car. This is relatively expensive coverage and is not required by law. Comprehensive coverage covers damage to your car caused by almost every other cause, including fires, inclement weather, vandalism, floods, and thefts. This coverage will also cover broken glass and damage to the windshield.
Comprehensive coverage is less expensive than collision coverage, but it's also optional. Other optional coverages include medical payment coverage, rent reimbursement coverage, and towing and labor coverage. You'll need coverage for uninsured motorists if your state requires it. Since uninsured motorist insurance can be very affordable and your liability insurance alone won't protect you against an uninsured motorist, it's worth considering for most drivers.
Even if you have liability coverage, as well as collision coverage and comprehensive coverage, you may still need coverage for uninsured drivers if your state requires it. If your state doesn't require it, you can decide if you want to add UM coverage to your auto insurance policy. Uninsured driver coverage protects you in the event that an uninsured driver injures you in a car accident. You didn't have coverage for uninsured drivers in your policy, so you're forced to take the other driver to civil court to sue for the expenses you've incurred.
UMBI coverage is mandatory in less than half of the states, but drivers can buy it in most states, even if it's not mandatory. It's impossible to know who has enough liability coverage to protect you if you cause an accident or if you even have insurance. Whether your state requires coverage for uninsured drivers or you're thinking of adding it as an extra to your policy, the best way to find affordable car insurance is to compare prices. The exception to this would be if you already have personal injury protection or MedPay, which pays your medical bills in the event of an accident, regardless of fault.
You can file a claim with your car collision coverage when your car is hit by an uninsured driver or in other situations that involve a collision, such as a single car accident. Coverage for uninsured drivers can also be useful for benefits such as lost wages and pain and suffering. If your state doesn't require coverage for uninsured drivers, you might be wondering if you should add it to your car insurance policy. Therefore, if a driver with minimum insurance limits cannot fully pay for the injuries they cause, UIM coverage will step in to help.
Generally speaking, if you are injured in an accident caused by an insured motorist, the other driver's liability insurance would pay the cost of your medical expenses, lost wages, and pain and suffering up to the limits of liability that he paid in his insurance policy. In the case of being injured by an uninsured motorist however these liability coverages simply don't exist. Eighteen states and the District of Columbia require drivers to have some form of coverage for uninsured drivers. The bodily injuries of an uninsured motorist are also an affordable coverage option; they generally cost about 5% of the total annual premium.
