Yes, you need uninsured motorist coverage even if you have collision and comprehensive coverage. Collision insurance will pay to repair your vehicle if you’re hit by an uninsured driver, but it won’t pay for any of your medical expenses, and comprehensive insurance won’t cover your costs at all after a collision. Comprehensive insurance only pays for repairs if your car is damaged by something other than a collision, such as vandalism or a natural disaster. And you would need uninsured motorist coverage, personal injury protection (PIP) or MedPay to cover your medical expenses after a collision with an uninsured driver.
Types of Underinsured Motorist Coverage
There are two types of uninsured motorist coverage: bodily injury (UMBI) and property damage (UMPD). UMBI pays for your medical expenses after an accident caused by an uninsured motorist, while UMPD pays to repair or replace your car.
Eighteen states and the District of Columbia require drivers to carry some type of uninsured motorist coverage. Some states like North Carolina and West Virginia require drivers to carry both types, while others like New York and Oregon only require uninsured motorist bodily injury coverage. And in some other states, insurance companies don’t offer uninsured motorist property damage coverage at all.
When To Have Uninsured Motorist Coverage
Since collision and comprehensive coverage don’t cover medical expenses after an accident, you should carry uninsured motorist bodily injury insurance even if it’s not required in your state. The exception to this would be if you already carry personal injury protection or MedPay, which pay for your medical bills in accidents regardless of fault or if the other driver is uninsured.
If uninsured motorist property damage coverage isn’t available in your state or you’re not required to carry it, then you can purchase collision insurance instead. Unlike UMPD, collision insurance will cover repairs even if you were at fault, which gives you a wider safety net. However, UMPD is usually less expensive than collision insurance and carries a lower deductible.
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