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Another car hits your car and they have no insurance? What insurance covers the damage?

a) Collision insurance
b) Comprehensive insurance
c) Liability insurance
d) Personal injury protection insurance

1 Answer

1 vote

Final answer:

Collision insurance covers damages to your vehicle when another uninsured driver is at fault in an accident, helping with the repair or replacement costs of your car.

Step-by-step explanation:

If another car hits your car and the other driver has no insurance, the type of insurance that would cover the damage to your vehicle is typically collision insurance. Collision insurance is designed to cover the costs to repair or replace your car after an accident. It is different from comprehensive insurance, which covers damages to your car not related to collisions, such as theft or natural disasters. Liability insurance is meant to cover the other driver's car if you are at fault, not your own. Personal injury protection insurance helps with medical expenses for injuries sustained in an accident, regardless of who is at fault. In the case where you're not at fault and the other driver is uninsured, your collision coverage would be the one to claim on for repairs to your vehicle.

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