re: Uninsured motorist bodily injury coverage

quote:

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I have a question regarding this. If carrying collision and comprehensive, is carrying UM redundant?

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I'll answer, just in case you were actually being serious.

Comprehensive and collision coverage or completely different van uninsured motors coverage. If you were hit by somebody without insurance, your vehicles damages will be paid for by your collision coverage, meaning that you will still be subject to whatever your collision deductible is. If you don't have collision coverage and you were hit by somebody without insurance, you will not have coverage for the damage to your vehicle.

The only time, and I do mean the only time, that uninsured motorist coverage pays for the damage to your vehicle is if you happen to have no collision or comprehensive coverage and you have uninsured motorist property damage coverage. This is the coverage that you specifically have to ask for.