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. Too often, people injured in car accidents are so dazzled by an offer from the at-fault driver's auto insurance company that the possibility of receiving a lump sum of money distracts them from the true value of their losses. An auto insurance policy protects your financial and legal liabilities if you're the party at fault in an accident. Car insurance is a crucial method of protection for all road users, but many people don't understand how it can benefit them if they cause an accident or are innocent.
When you or another driver of your car has an accident, your insurer will be responsible for any injuries or property damage caused, but only to the extent of their responsibility in causing the accident. If you're a resident of Athens, GA, and you're looking for quality auto insurance solutions that are affordable and efficient, look no further: Griggs Ficklen Insurance. Drivers almost always take out comprehensive insurance along with collision insurance, which pays for the repair or replacement of the covered vehicle after a car accident, regardless of who was at fault. Depending on the details of the policy, Liberty Mutual's uninsured motorist insurance may include coverage for bodily injury and property damage in the event of accidents involving uninsured drivers.
Liberty Mutual's uninsured motorist insurance covers the policyholder after an accident caused by an uninsured driver. We offer a variety of car insurance coverage options to residents of Athens, GA and the surrounding areas. If the driver who caused your collision has Liberty Mutual insurance, you may have to file an accident claim with Liberty Mutual to recover the compensation needed to pay your bills and cover your losses. Therefore, anyone planning to drive while in the state must carry proof of auto liability insurance at all times and show it to law enforcement officers when they request it.
As a result of the financially devastating effects of car accidents, many states impose minimum insurance requirements to protect both accident victims and at-fault drivers.