What's the difference between uninsured motorist property damage with collision and uninsured motorist property damage without collision?

Safeco is offering me two options for uninsured motorist coverage. I'm not sure how you could have property damage without a collision?

Answer
“The difference between uninsured motorist coverage with or without collision coverage has to do with the extent of coverage you have on your vehicle.
If you choose to have collision coverage, your vehicle would be covered in any situation, whether it was your fault or not. Typically, it would come with a deductible. Combined with uninsured motorist property damage, you would have more complete coverage than with collision alone.
If you choose to not carry collision coverage, you would be responsible for any damages to your vehicle unless there is an at-fault party who can pay for the damages.
With uninsured motorist property damage without collision, you would be covered only up to a certain limit when in an accident with an uninsured driver. This would be a considerably lower amount than if you had uninsured motorist coverage with collision. “
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Emily Maracle
Answered on May 10, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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