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Vehicle Insurance – what is the difference in coverages?

What is the difference between comprehensive, collision, and uninsured motorists coverage? My policy does not allow me to have both collision and uninsured/underinsured coverage at the same time.

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This entry was posted on Thursday, February 4th, 2010 at 8:53 pm and is filed under vehicle insurance. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

One Response to “Vehicle Insurance – what is the difference in coverages?”

  1. UwishUknewMyName on February 4th, 2010 at 8:53 pm

    Collision – Pays for damage to or the loss of automobiles from upset or collision with another object. A deductible applies.

    Comprehensive – Pays for damage to or the loss of automobiles from perils other than collision. i.e, animal loss, hitting a deer, vandalism, nature, etc. A deductible applies

    Uninsured Motorist Bodily Injury (UM) – Protects you for injuries you sustain, resulting from an uninsured driver.

    Underinsured Motorist Bodily Injury (UIM) – Protects you for injuries if the at fault driver does not carry enough coverage. (Example, your bills total $25K but their policy limit is only $20K, you can then claim the remaining under your auto policy)

    Uninsured Motorist Property Damage- Protects you for damages to your vehicle resulting from an uninsured driver.

    Some states state that if you carry collision coverage, you cannot carry UMPD.

    However, no state can deny you UM or UIM (for your injuries)

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