WalletHub, Financial Company
@WalletHub
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 uninsured motorist property damage insurance up to the same limits as their property damage liability policy.
UMPD can only be used when the policyholder is not at-fault. In some states, the at-fault driver must be identified in order for UMPD to apply. In others, uninsured motorist property damage coverage will pay for expenses resulting from a hit and run.
UMPD will usually also cover an accident caused by an underinsured driver. In this case, the policyholder would file a claim with their UMPD policy for expenses that exceeded the at-fault driver’s property damage liability limits.
Drivers who do not have uninsured motorist property damage coverage can file a collision claim if their car is damaged by an uninsured driver. Collision insurance pays to repair or replace the policyholder’s vehicle after an accident, regardless of fault. However, collision is usually more expensive to buy than UMPD, and it often has a higher deductible.
For more information, check out WalletHub’s guide to uninsured motorist coverage.
People also ask
Do I need uninsured motorist coverage if I have collision and comprehensive?
Yes, you need uninsured motorist coverage, even if you have collision and comprehensive. Collision insurance will pay to repair your vehicle if you’re hit by an uninsured driver, but it won’t pay for any of your medical expenses, and comprehensive insurance won’t cover your costs at all after a collision. Comprehensive insurance only pays for repairs if your car is damaged by something other than a collision, such as vandalism or a natural disaster. And you would...
read full answer by WalletHub, Financial CompanyDoes uninsured motorist cover a hit and run?
Yes, uninsured motorist insurance (UM) covers hit-and-run accidents in most states. In states like California and Illinois, however, drivers cannot use uninsured motorist property damage coverage (UMPD) to repair or replace their vehicle if the at-fault driver is unidentified. In these instances, drivers must file a claim with their collision insurance, if they have it.
What Uninsured Motorist Insurance Covers in a Hit and Run
Your uninsured motorist bodily injury insurance (UMBI) will cover your injuries, while uninsured motorist property damage insurance...
read full answer by WalletHub, Financial CompanyWhat should you do after an accident with an uninsured motorist?
After an accident with an uninsured motorist, you should file a police report, take pictures of the scene, and swap contact information with the other driver immediately. You should also let your insurance company know about the accident and file a claim under your uninsured motorist coverage if you have it. Remember not to admit fault at the scene, and do not accept a cash settlement from the other driver or agree not to report the crash.
... read full answer by WalletHub, Financial CompanyDid we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.