Uninsured motorist property damage
coverage and collision
coverage are designed to do similar things - add physical protection to your vehicle. The tricky thing is how these claims would affect your rate. Collision claims are generally considered to be at-fault accidents. By the definition for your uninsured motorist property damage coverage, you're not at-fault - however, your insurance company may still increase your rates as they had to take financial responsibility rather than the other insurance company. However, this can vary. Since you already have both of these coverages, I recommend filing an uninsured motorist property damage claim. This will come with a deductible but so does your collision coverage. If your rate is increased after your renewal, feel free to compare rates elsewhere. You can compare rates here.