You have collision insurance is uninsured motorist insurance necessary?

Collision insurance will cover the damages to your vehicle- no matter who is at fault.

Uninsured coverage is used if the other vehicle is at fault for the accident and you and/or anyone in your car is injured. This coverage will typically pay for related medical bills, loss wages, and general damages (i.e pain and suffering).

Liability = Other vehicle damage

Injuries to driver/passenger in other vehicle

Injuries to passengers in your vehicle if you are at fault

Collision/Comprehensive = Cover damages to your car

Uninsured/Under-insured = Injuries to you or your passengers when another vehicle is at fault and does not have insurance or has minimum coverage