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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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)