By the way,

来源: 2010-01-27 16:42:07 [博客] [旧帖] [给我悄悄话] 本文已被阅读:

to file a claim against your own insurance company you need to have collision coverage in your policy.

Coverages for Uninsured and Under-insured only cover injuries. They never cover your car damage regardless whether the other driver has car insurance or not. You can get clarification from your insurance agent or do a google search.