Leif Olson, Car Insurance Writer
@leif_olson_1
The difference between uninsured motorist property damage and collision insurance is that uninsured motorist property damage only covers vehicle repairs if you are hit by an uninsured driver. Collision insurance can be used to repair or replace your vehicle after an accident, regardless of who was at fault.
UMPD coverage also helps to repair other property you own like mailboxes or fences. Collision insurance only covers damage to your car.
Uninsured Motorist Property Damage vs. Collision Insurance
| Scenario | UMPD | Collision |
| Car damage when the policyholder is at fault | Not covered | Covered |
| Car damage when an uninsured driver is at fault | Covered | Covered |
| Damage to other property when an uninsured driver is at fault | Covered | Not Covered |
UMPD is required in six states and the District of Columbia, and it is available for purchase in 18 other states including California and Texas. Collision insurance is available nationwide.
To learn more, check out WalletHub’s guides to UMPD and collision insurance.
People also ask
Is it better to have collision or uninsured motorist insurance?
It is better to have collision insurance because it applies in more situations than uninsured motorist coverage. Collision insurance can be used to repair or replace the policyholder’s vehicle after any accident, regardless of fault, while uninsured motorist insurance only applies if an uninsured driver was at fault. But unlike collision insurance, uninsured motorist coverage can be used to cover a policyholder’s medical expenses, so it’s still a worthwhile investment even if you already have collision coverage.
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read full answerWhat does uninsured motorist property damage cover?
Uninsured motorist property damage insurance covers the cost to repair or replace the policyholder’s vehicle or other property if it is damaged in an accident caused by an uninsured or underinsured driver. Six states and Washington, D.C., require uninsured motorist property damage insurance, and it’s optional in others.
Uninsured motorist property damage (UMPD) coverage is meant to replace the property damage liability insurance that an uninsured driver should have purchased. As a result, drivers generally buy...
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