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    Colission coverage vs. Uninsured motorist coverage

    I have colission coverage as well as Uninsured/Underinured motorist coverage, bodily injury and property damage. I wouldn’t dream of dropping my UM/UIM bodily injury coverage, but I’ve thought of dropping my property damage coverage. My limited understanding is that the advantage of UM/UIM property damage coverage is that you won’t have to pay a deductible. Are there other advantages?

    Colission coverage vs. Uninsured motorist coverage
    byu/Maestradelmundo1964 inInsurance



    Posted by Maestradelmundo1964

    8 Comments

    1. ektap12 on

      The applicability of UM/UIM coverages for property damages varies by state, what state are you in?

    2. demanbmore on

      It’s duplicative to an extent, and usually a different deductible applies (but seldom no deductible). You can see your UM/UIM deductable on your dec page.

      You also have specific limits on UM/UIM but don’t have such limits on collision, so you may come up short on a UM/UIM claim. Again, you can see your limits on your dec page.

      And then you need to read your policy to see whether UIM limits are on top of the at-fault policy’s PD limits it or they “top it off.” For example, if you have $50K UIM PD limits, that could mean you always have up to $50K no matter what the at-fault policy’s limits are or it could mean that if the at-fault limits are $20K, then your UIM coverage will provide up to $30K (so you get $50K total limits).

    3. crash866 on

      Uninsured and Underinsured coverage in most areas require that the at fault be identified and shown to have no insurance. A hit and run will not be covered by them.

    4. adjusterjack on

      If you have collision coverage and you are paying a separate charge for UM/UIM PD, I can’t see any reason for keeping UM/UIM PD.

    5. cptmorgantravel89 on

      It depends on the state on if you have a deductible or when you can even use it. Colliison will still cover you if you are hit by an uninsured motorist.( for property damage)I personally wouldn’t have UMPD unless my car isn’t really that valuable and I don’t keep collusion on it AND the price difference between comp and coll and UMPD is significant

    7. Fit_Rope_559 on

      Lower deductible and lower hit on underwriting for future rates when you use um PD vs collision .

    8. happyandhealthy2023 on

      I used um/uim to cover medical expenses when rear ended 2 times in past 3 years in CA.
      This gave me $100k, for my medical care.
      I raised this to $500k and it was only $24 for 6mos.

      Ask you agent to explain all the benefits and costs.
      I would not cancel

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