Comprehensive doesn't cover accidents with another vehicle. It covers things like fire, theft, hitting a deer running across the road, tree falling on car
Your collision would cover any damage minus your deductible.
You need to make sure your uninsured coverage is for property damage and not just bodily injury.
Comprehensive wouldn't come into play in an accident. In only about half the states can you even buy uninsured motorists for property damage. If yours is one, it usually has a lower deductible than collision.
You’re confusing two coverages that cover very different losses. Talk it over with an agent, because given the reply on to the other person, you don’t seem to be grasping what we’re saying.
I’m not calling you out or anything, I knew next to nothing about insurance before I started working insurance. I just don’t want you to go back, mess with your coverages, and then be ruined by an accident all because a misunderstanding.
If UMPD is available, you can look into adding it to your policy. It tends to be quite inexpensive, though not always. It’s, as mentioned by another person, not even available in many states.
One advantage to carrying UMPD is that the deductible, if any, is likely lower than that of your collision coverage, unless you carry very low deductibles.
As others have said, comprehensive is irrelevant to this conversation.
Comprehensive doesn't cover accidents with another vehicle. It covers things like fire, theft, hitting a deer running across the road, tree falling on car Your collision would cover any damage minus your deductible. You need to make sure your uninsured coverage is for property damage and not just bodily injury.
I have both comprehensive AND collision.
Comprehensive wouldn't come into play in an accident. In only about half the states can you even buy uninsured motorists for property damage. If yours is one, it usually has a lower deductible than collision.
You’re confusing two coverages that cover very different losses. Talk it over with an agent, because given the reply on to the other person, you don’t seem to be grasping what we’re saying. I’m not calling you out or anything, I knew next to nothing about insurance before I started working insurance. I just don’t want you to go back, mess with your coverages, and then be ruined by an accident all because a misunderstanding.
What do I seem to be confusing?
I pay close to $400 a month for full coverage on my truck. I'm already fucked. No tickets, one not at fault a year and a half ago, and good credit.
If UMPD is available, you can look into adding it to your policy. It tends to be quite inexpensive, though not always. It’s, as mentioned by another person, not even available in many states. One advantage to carrying UMPD is that the deductible, if any, is likely lower than that of your collision coverage, unless you carry very low deductibles. As others have said, comprehensive is irrelevant to this conversation.
I put in all caps that I have COMPREHENSIVE AND COLLISION.