Why can't I add collision coverage and uninsured motorist property damage to my policy?
My insurance only allows me to add one or the other. I've always had collision coverage, but is it more beneficial to have uninsured motorist property damage?
“The main difference between uninsured motorist property damage and collision coverage is the amount of coverage that’s provided.
Uninsured motorist property damage always has a set limit. Collision coverage does not have a set limit, but you are required to pay your deductible every time you file a claim.
If you’ve always carried collision coverage and can afford it, you should continue to carry it. Collision coverage offers more protection in a variety of situations, regardless of fault. However, it is more expensive.
Uninsured motorist property damage is a good option for those who can’t afford to have full coverage on their vehicle. While it won’t help when you’re at fault, it will help pay for damages caused by an uninsured driver that you’d otherwise have to pay out of pocket for. “
Did this answer help you?
Ask us a question by email and we will respond within a few days.
Have a different question?
You can meet us at our office and discuss the details of your question.
Read advice from car experts at Jerry
Browse by topics
What others are asking
How will paying off my $6,000 car loan affect my credit score?
"I've saved up enough money to pay off the remaining $6,000 on my car loan. What effect will paying off my loan have on my credit score?"
Jun 07, 2021
Do I need car insurance before I buy a car, and what is the best insurance company in Washington?
I'm moving to Washington and will be buying a new car. I'm not sure what car I want and don't know if I'm supposed to get insurance before or after I decide. I also want to find the best and most affordable insurance company for coverage.
Apr 20, 2021
How does a person working part time, with a limited credit history and no money for a down payment, get a loan for a used car?
I live with my parents, I have a part-time retail job, I have a short credit history, and my only monthly bills are for my phone and car insurance. I want to buy a used car that costs no more than $10,000, but I don't have any money to put down. What's my best option for getting a car loan?
Mar 12, 2021