MapKit check overlay intersection (MKPolygon || MKCircle)

I am trying to detect wether two MKOverlays (might be circles or polygons) intersect.

Tried using boundingMapRect but it draws a rectangle around my overlay thus giving me inaccurate results.

if polygon != nil {
            intersectionOverlay = polygon!
        } else {
            intersectionOverlay = circle!
        }
for overlay: MKOverlay in mapView.overlays {
            let rect = overlay.boundingMapRect
            if rect.intersects(intersectionOverlay.boundingMapRect) { 
            print("Intersects \(overlay.title)")
}

Using that piece of code, would return true for the situation in the images below. Is there any other better way to achieve the desired results? Thanks