Most people mistakenly believe that if they have a comprehensive insurance policy, they will be taken care of in the event that they are involved in an accident with a person that has no or insufficient insurance coverage. Unfortunately, that is not the case. There is a definite distinction between a comprehensive policy and an under-insured or uninsured motorist policy, and it is important that everyone has, at least, a basic understanding of these policies.
COMPREHENSIVE INSURANCE IS NOT TRULY COMPREHENSIVE
If you have a comprehensive insurance policy, that policy is typically written in Georgia to protect your property in the event that it is damaged or completely lost as a result of some event other than (or in addition to) a car accident.
- Storms and natural disasters like tornadoes, hurricanes and earthquakes
- Vandalism and theft
- Broken or shattered windows and windshield
- Animal damage
- Falling objects
Nothing about comprehensive coverage actually provides help to us if we are injured or our vehicle is damaged as a result of a car wreck with a person that does not have enough insurance coverage.
It is under-insured or uninsured motorist coverage that provides assistance to us if we are involved in a car accident with someone that helps in these types of accidents. Follow this link to learn more about the importance of uninsured motorist coverage.