If you have a very expensive vehicle, consider getting uninsured motorist coverage and comprehensive coverage. With a good vehicle, it makes sense to prepare for situations where it may be damaged through the negligence of another driver. If you only carry liability, there will be no coverage for you if your vehicle is damaged in a wreck, so you want to make sure you’re not left on the side of the road with a vehicle you cannot afford to repair. If you do, however, there may be legal avenues available to you.
Talk to an attorney and see if you have the option of filing a lawsuit. It may turn out that you do, and that a jury award or settlement could net you enough compensation to cover 100% of your losses.
