You may have to pay an uninsured motorist deductible of up to $300, depending on your state. Uninsured motorist bodily injury insurance generally does not require a deductible, while uninsured motorist property damage deductibles vary by state.
A car insurance deductible is the amount that the policyholder must pay before the insurance company will cover any costs. For most types of car insurance, drivers can choose their own deductible from a list of options that often ranges from $100 to $2,000. However, uninsured motorist deductibles are more regulated. And some states have higher UMPD deductibles for hit-and-run claims to prevent fraud.
The following states require drivers to carry uninsured motorist property damage (UMPD) coverage. Some, but not all, specify a certain deductible. UMPD coverage is available but not required in other states as well.
Uninsured Motorist Property Damage Deductibles by State
- District of Columbia: $200
- Maryland: not specified
- North Carolina: $100
- South Carolina: $200 in most cases
- Vermont: $150 in some circumstances
- Virginia: $200 for hit and run claims
- West Virginia: $300
New Hampshire and Virginia drivers are not required to purchase car insurance, but drivers who do must buy UMPD.
For more information, check out WalletHub’s guide to uninsured motorist coverage.
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