What does comprehensive and uninsured motorist ins cover?

Answer 1

Uninsured Motorist coverage pays for your losses if the other party was At Fault and had no insurance. It is subject to the limits you chose and they are listed on your declarations page. As for Comprehensive, it is easier to define collision first. Collision is if you hit something or turn the vehicle over. Comprehensive is just about everything else. It includes fire, theft, vandalism, broken glass, animal collisions, etc. Comprehensive is not counted against your insurance record as a chargeable accident. Insurance laws vary from state to state so this is a general description and some minor issues may be different in your state. For full disclosure, I own and operate a small Independent Insurance Agency in Gordon, Georgia and have for 22 years. I also worked as an agent for a direct writer for 3 years before that.