Uninsured motorist coverage protects you if you have an accident with an uninsured motorist. 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. Under the law, the insurer must offer coverage for uninsured people in limits equal to the liability insurance limits provided by the policy, unless the insured decides to purchase a smaller amount by notifying the insurer. Accordingly, the Court finds that the plaintiff's objection to the trial judge's recommendation to issue a summary judgment in favor of Liberty Mutual and against the plaintiff is unfounded. Liberty Mutual Fire Insurance Company (Liberty Mutual) and State Farm Mutual Automobile Insurance Company (State Farm) (collectively sued) had issued motor vehicle liability insurance policies to Ikon and the plaintiff, respectively, which were in effect at the time of the accident.
In addition, the plaintiff objects to the conclusion that, even if the evidence of reducing premiums is not taken into account, the remaining evidence conclusively shows that Ikon did indeed notify Liberty Mutual of its desire to reduce UM coverage in Virginia. 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. In 1984, Cynthia Winters purchased an auto insurance policy from the defendant, Liberty Mutual Insurance Company (“Liberty Mutual”). 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.
Consequently, the Court finds that Ikon actually notified Liberty Mutual and reduced its UK coverage for the policy in force at the time of the plaintiff's accident. Judge Cappy does not suggest that first-named policyholders be required to sign a new exemption form every time a new insured person is added to the policy. Liberty Mutual comprehensive coverage will pay up to the actual cash value of the vehicle, less any deductibles, for covered repairs.