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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?
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 |