JJTJ2
Well-Known Member
I found out the hard way when my daughters car was hit and run by a Dollar General semi that uninsured motorist (which comes into play with hit and run) only covers bodily injury. It does not cover your vehicle. You will still be out $ to fix your vehicle. It will be comp and collision for me from now on.I have full coverage which includes everything including all my accessories. I take frequent pictures of my bike and have receipt's for everything. AAA is not cheap insurance but the claims process has always been very fair and the payout prompt.
Also do not forget uninsured motorist!! In my state insurance is required but the laws are very skewed. If you are a US citizen and have a job then you are going to jail if you get in a wreck without insurance. If you are an illegal alien or released criminal on probation/parol, then it's a simple promise to appear and a ticket. But regardless, no insurance company will pay out damage from fault of of another driver (without insurance) if you do not have uninsured motorist.