Learn more about car insurance requirements by state. Progressive insurance for uninsured drivers covers the policyholder after an accident caused by an uninsured driver. Depending on the details of the policy, Progressive's uninsured motorist insurance may include coverage for bodily injury and property damage in the event of accidents involving uninsured drivers. It can also cover damage caused by an accident caused by an underinsured driver, that is, a driver whose policy limits are not high enough to pay for all expenses related to the accident.
In New Hampshire, auto insurance is one of several ways to demonstrate financial responsibility, but if purchased, the state requires that both coverage for uninsured and underinsured drivers be included in all policies. Similarly, comprehensive insurance covers the policyholder's car if it is damaged by something other than an accident, such as vandalism, fire, or natural disaster. Full coverage isn't the official name of any type of insurance, so be sure to clarify if these types of insurance are included if you buy a Progressive policy. This type of coverage protects you if you're involved in an accident with a driver who doesn't have car insurance or doesn't have enough coverage.
If your car insurance policy includes coverage for uninsured drivers, you can file a car insurance claim with your insurer to cover the incident up to the limit of your policy. Collision insurance will pay for the repair of your vehicle if you are hit by an uninsured driver, but it won't cover any of your medical expenses and comprehensive insurance won't cover your expenses at all after a collision. Insurers consider many other factors when determining the cost of car insurance, such as your age, driving history, where you live, the make and model of the car, and more. Progressive's full coverage typically includes at least the minimum auto insurance coverage required by the state, along with collision and all-risk insurance to protect the policyholder's vehicle.
Comprehensive insurance only pays for repairs if your car is damaged by something other than a collision, such as acts of vandalism or a natural disaster. According to the Insurance Information Institute, nearly 13% of drivers across the country don't have car insurance. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. Quote car insurance online or call 1-866-749-7436 to make sure you have the right coverage to protect against uninsured or underinsured drivers.
