Candace Baker, Car Insurance Writer
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Drivers in Kentucky do not have to carry uninsured motorist property damage (UMPD) insurance, and they are not even given the option to buy it. Instead of UMPD, you can purchase collision insurance, which is an optional type of coverage that pays to repair or replace your vehicle after any accident, regardless of fault.
Uninsured motorist property damage insurance pays to repair or replace your car if you’re involved in an accident caused by an uninsured driver. To learn more, check out WalletHub’s guide to uninsured motorist insurance.
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