If you get hit by someone without insurance, your car's damages aren't covered. This leaves you vulnerable to out-of-pocket expenses. Add uninsured motorist coverage or collision coverage to your auto policy to protect you against these damages.
With a basic insurance policy, not-at-fault accidents with an uninsured driver aren't covered. You're subject to pay for any damages sustained out-of-pocket.
You're only covered if you've got uninsured motorist coverage (UIM) or collision coverage added to your auto insurance policy. Both of these policies protect you from uninsured drivers and hit-and-run situations.
Uninsured motorist coverage is an extra policy that you purchase in addition to your liability coverage or full coverage. This policy pays for damages caused to your car by an uninsured driver. It also includes medical bills if you're hit while walking or cycling.
Some states require you to have UIM as apart of your minimum coverage.
Your UIM typically provides the same coverage limit as your liability coverage. If your liability coverage insures you for up to $64000, your UIM generally has the same limit.
However, you choose your coverage limit on your uninsured motorist policy with Liberty Mutual. Contact Liberty Mutual to get your quote, today!
UIM includes coverage for the following:
On average, this policy is very affordable, costing around $65 per year. However, the price of your uninsured motorist coverage policy depends on which state you live in. Some states are statistically known to have a higher amount of uninsured drivers, thus coverage costs are higher.
Collision coverage protects your vehicle from damage caused during not-at-fault accidents. It can be added to your existing policy.
It's automatically included if you've got full coverage insurance, which also provides liability and comprehensive coverage.
Collision coverage reimburses you the money spent on the repairs for your car, minus your deductible. On average, it covers expenses up to $500-$10000, excluding coverage for the following:
On average, collision coverage costs $290 per year. Cheaper rates are available when you apply for discounts with your auto insurance company.
Allstate allows good students to save up to 25% on their auto insurance rates. Contact Allstate to get an easy quote, today!
Making your insurance claim is quickly done with these simple steps:
Are these additional policies worth it? These policies are perfect for people who want to upgrade their coverage for certain reasons, such as the following: