Yes, you need coverage for uninsured drivers, even if you have comprehensive and collision coverage. Collision insurance will pay for the repair of your vehicle if you are 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. And you would need coverage for uninsured motorists.
Read the full answer on personal injury protection (PIP) or MedPay to cover your medical expenses after a collision with an uninsured driver.
Liberty Mutual's uninsured motorist insurance covers the policyholder after an accident caused by an uninsured driver. Collision and comprehensive insurance will help you pay for car repairs, but those types of coverage won't cover medical expenses if you're hit by a person who doesn't have car insurance. Some car insurance companies have an “anti-accumulation” provision, meaning that you won't be able to file multiple claims in the UK for a single car accident.
You can log into your account online on the Liberty Mutual website or call customer service at 1 (800) 290-8711 to add comprehensive insurance to your policy. If you have a car accident and the at-fault driver doesn't have enough or no liability insurance, contact your car insurance company and file a claim under your uninsured motorist coverage (as long as you have coverage). Liberty Mutual comprehensive insurance covers damage to the policyholder's car caused by something other than a collision, such as vandalism or a natural disaster. A hit and run accident is generally defined as an auto accident in which the driver leaves the scene of the accident without exchanging contact or insurance information.
So what happens if you or your passengers are injured in a car accident caused by a driver who doesn't have car insurance? Liberty Mutual comprehensive coverage will pay up to the actual cash value of the vehicle, less any deductibles, for covered repairs. Collision insurance will also cover damage to your car if someone else crashes it, and will cover a wide variety of circumstances, not just an uninsured driver. UIM pays medical bills and other expenses for you and your passengers if you have a car accident caused by a driver who doesn't have enough liability insurance to cover their medical bills. UM is a way to cover injuries caused by car accidents without having to pay coinsurance, copays, or health insurance deductibles.