Understanding uninsured motorist property damage coverage

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

Uninsured motorist coverage, also known as UM coverage, is a type of auto insurance that provides protection in the event of an accident involving a driver who does not have insurance. This coverage is designed to financially compensate the policyholder for medical expenses, property damage and other losses caused by the uninsured driver.

Uninsured motorist coverage typically includes uninsured motorist bodily injury (UMBI) and uninsured motorist property damage (UMPD). UMBI covers medical bills for you and your passengers, while UMPD covers repairing or replacing your damaged vehicle.

Uninsured motorist coverage is not mandatory in all states but is highly recommended for all drivers. If you’re a hit-and-run accident victim, you can file a claim with your auto insurance company.

What is uninsured motorist property damage coverage?

Uninsured motorist property damage (UMPD) insurance is a type of insurance coverage that helps protect you if your vehicle is damaged in an accident caused by an uninsured or underinsured driver. In such situations, the at-fault driver may not have insurance coverage or may not have enough coverage to pay for the damages they caused. UMPD coverage covers the costs of repairing or replacing your vehicle up to the auto liability insurance limits.

How uninsured motorist property damage works

Uninsured motorist property damage insurance, also called UMPD, provides coverage for the expenses associated with repairing or replacing your vehicle if an uninsured driver hits your car. When you have this coverage, your insurance company pays for the repairs or replacement of your car up to the limits specified in your policy if the at-fault driver lacks proper insurance coverage.

In the event of an accident, if the responsible driver is uninsured or their insurance coverage is insufficient to cover the damages, you can file a claim with your own insurance company under your uninsured motorist property damage coverage. This coverage is designed to help you avoid out-of-pocket expenses and delays caused by dealing directly with an uninsured driver.

It typically covers the cost of repairing your vehicle, minus any deductible you may have, though it depends on the state. 

Uninsured motorist property damage requirements by state

In six states and the District of Columbia, uninsured motorist property damage coverage is mandatory for drivers. However, in a handful of other states, UMPD is an optional coverage. In the remaining states, UMPD is not available for purchase, meaning drivers in those states do not have the option to get this particular coverage.

QuickTake

Do I need to purchase car insurance before I buy a new car?

Umbrella insurance: What it is and how it works

Do you need PIP or MedPay coverage?

Comprehensive vs. collision car insurance

How to get insurance for your deductible

Auto insurance for classic cars

Off-road vehicle insurance

Driving into Mexico? You'll need south-of-the-border car insurance

See more >

How to buy uninsured motorist property damage insurance 

Uninsured motorist property damage (UMPD) insurance is typically offered as part of an auto insurance policy and its availability and specific requirements may vary depending on your state laws and insurance provider. Here’s how to purchase uninsured motorist property damage coverage.

• Check your state’s requirements: Familiarize yourself with the minimum requirements and coverage limits for UMPD insurance in your state. Each state has different regulations, so comply with your state’s laws.

• Contact insurance companies: Reach out to companies offering UMPD coverage and request a quote. Typically, you can do this by phone, online or by visiting a local agent.

• Compare quotes and coverage: Once you receive quotes from different insurance providers, compare them to understand their coverage, including the limits, deductibles and any additional benefits. Consider the cost, reputation, and financial stability of the insurance company.

• Apply for insurance: Complete the paperwork or application process to purchase the UMPD insurance policy. You may need to provide personal information and details about your vehicle.

• Pay premiums: Set up a payment plan with the insurance company to pay your premiums. This could involve making a one-time payment or setting up regular installments, depending on the terms of your policy.

Do I need UMPD coverage if I have collision and comprehensive insurance?

If you have collision coverage, you may already be covered for accident-related damage to your vehicle, so you may not need UMPD coverage. However, suppose you have comprehensive car insurance coverage but not collision coverage. In that case, it’s worth considering UMPD so you can at least be covered for vehicle damage caused by uninsured drivers.

Shivani Gite

Contributing Writer

 

|

 . .

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.