Uninsured and underinsured motorist
This covers
the policyholder, their medical bills, and repairs to the vehicle (in some
states) if the policyholder is hit by a driver who carries too little insurance
or none at all. Some states require this coverage, while others don't.
Comprehensive
coverage can help repair or replace a vehicle if it's damaged by things like
vandalism, theft, hail, or fire. A person may need comprehensive coverage if
they're still making payments on their car or leasing the vehicle.
Car
collision coverage can help repair or replace a policyholder's vehicle if they
are hit by another car or an object like a fence or tree. Again, it may be
required if there's still a lender or leaseholder on the title.
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