Regardless of who was at fault for the collision, collision coverage covers the costs of repairing your car.
Comprehensive insurance covers vehicle losses caused by things like animals, fallen items, fire, floods, and other natural disasters that aren't related to auto accidents. It also pays to replace a car that has been stolen or vandalised.
If you are the victim of a hit-and-run, UIM/UM will cover your property damage and medical expenses. Additionally, it will protect you if you are involved in a collision with an uninsured or underinsured driver.
