You'll also need to have at least one basic auto liability insurance policy. 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.
In addition, you would need coverage for uninsured drivers, personal injury protection (PIP), or MedPay to cover your medical expenses after a collision with an uninsured driver. You never know when the person who hits you will have insurance or enough insurance to pay for your injuries and damage to your vehicle. So what happens if you or your passengers are injured in a car accident caused by a driver who doesn't have car insurance? 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. 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 states require companies to automatically include coverage for uninsured drivers, and drivers can decline it upon receiving a car insurance quote. The fact that Florida is a no-fault state when it comes to auto insurance means that all Florida drivers must purchase personal injury protection (PIP) insurance to cover their own medical bills after an accident, regardless of who was at fault. These cover damage to your own car if someone without insurance or without sufficient liability insurance for property damage crashes into you. It's like buying an additional insurance policy to cover you when the driver who caused the accident didn't have enough insurance.
Accumulating allows you to get more insurance money to cover medical bills if you're injured in a car accident. Since uninsured motorist insurance can be very affordable and your liability insurance alone won't protect you against an uninsured motorist, UM is worth considering for most drivers. Bodily injuries caused by uninsured drivers (UMBI) cover medical bills, pain and suffering, lost wages if you can't work after an accident, and funeral expenses after an accident after an accident with an at-fault driver who doesn't have car 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.
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.