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Why can't I have both collision and uninsured motorist property damage coverage on my policy?

You’d be crazy to go without uninsured motorist coverage in Mississippi, but because I have a young driver in the household, I also need collision insurance to take care of repairs. My insurance provider said I can’t put uninsured motorist property damage and collision coverage on the same policy—why not?

avatar
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I understand your concern about driving without
uninsured motorist coverage in Mississippi
but don’t worry, you won’t be without protection.
Uninsured Motorist Property Damage (UMPD)
and
collision coverage
are similar in many respects, but they differ in when and how they apply. You can use collision coverage in many more scenarios, including car accidents with uninsured motorists, making UMPD redundant.
Here’s a table outlining the differences and similarities between the two:
Question
Uninsured Motorist Property Damage (UMPD)
Collision coverage
What’s covered?
Repairs and replacements to your personal property, including your house and vehicle
Repairs and replacements to your vehicle
When does it apply?
After a car accident with a proven uninsured motorist or a hit-and-run (depending on the state)
After any collision with another vehicle or stationary object, including uninsured motorists
Can I be at fault?
No, the uninsured motorist must be at fault
Yes, coverage applies regardless of fault
Is there a coverage limit?
Yes, from $3,500 to $25,000
No
Is there a deductible?
Yes and it’s lower than collision coverage
Yes, but it’s higher than UPMD
How much does it cost?
Less than collision coverage
More than UPMD
As you can see, although you sacrifice coverage for your house, you can use collision coverage to cover more damage more often. We recommend purchasing collision coverage over UPMD, and if you’re still worried about the financial impact of colliding with an uninsured motorist, try adding
Uninsured Motorist Bodily Injury (UMBI)
coverage.
View full answer 
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