Uninsured Motorist Property Damage (UMPD) coverage is a type of auto insurance coverage that may help pay for damage to your vehicle when an uninsured driver causes a covered accident. Unlike Uninsured Motorist Bodily Injury (UMBI) coverage, which focuses on injuries to people, uninsured motorist property damage coverage applies specifically to damage involving your vehicle and, in some cases, other covered property. Understanding what uninsured motorist property damage coverage is can help drivers better understand their coverage options after an accident with an uninsured motorist.
What may UMPD coverage help pay for?
UMPD coverage may help pay for the cost to repair or replace your vehicle after a covered accident caused by an uninsured driver. According to the Insurance Information Institute, UMPD coverage may also help pay for damage to other personal property in certain situations, although covered property and coverage limits can vary by insurer and state.
UMPD coverage applies when the driver responsible for the accident does not have auto insurance. It generally does not apply if the at-fault driver has insurance but does not carry enough coverage to pay for the damage. In those situations, underinsured motorist coverage may apply, where available and if included in the policy.
How does UMPD differ from collision coverage?
Although both coverages may help pay for damage to your vehicle, UMPD coverage and collision coverage apply under different circumstances. Collision coverage may help pay for damage to your vehicle after a collision regardless of who caused the accident, subject to the terms of the policy.
By comparison, UMPD coverage applies only when an uninsured driver is responsible for the covered damage. When comparing UMPD versus collision coverage, another difference is that some states and insurers may offer UMPD coverage with a lower deductible than collision coverage, or no deductible at all.
Is UMPD coverage required?
Whether UMPD coverage is available or required depends on state law. Some states require insurers to offer uninsured motorist property damage coverage, while others do not offer it or have different requirements. Drivers should review the insurance laws in the state where their vehicle is registered and insured to understand what options may be available to them.
To learn more about how uninsured motorist coverage works, read our guide to uninsured and underinsured motorist coverage in the Infinity Insurance Agency, Inc. (IIA) Knowledge Center.
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