Uninsured Motorist Property Damage
Uninsured motorist property damage is liability coverage designed to pay for damage to your property, in most cases your car, if you are in an accident with an uninsured driver. Some states require uninsured motorist coverage, but with 32 million uninsured drivers on U.S. roads, you should seriously consider uninsured motorist property damage insurance no matter where you live. Start comparing rates now with our free comparison tool below.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
UPDATED: Dec 17, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider. Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.
UPDATED: Dec 17, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider. Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Automobile insurance can get pretty complicated. There are a lot of coverage types available to us as consumers.
One of the most misunderstood coverage types available is “uninsured motorist property damage,” also known as UMPD.
What is uninsured motorist property damage?
Uninsured motorist property damage is liability coverage designed to pay for damage to your property, in most cases your car, in the event an uninsured motorist causes an accident that damages your vehicle.
Many insured mistakenly believe their car is covered in the event described above if they have basic uninsured motorist or underinsured motorist coverage, also known as UMBI; the BI standing for bodily injury. This is not the case.
Read More: Do I Need Uninsured Motorist Coverage?
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What if I have collision coverage?
You may not need UMPD if you have collision damage coverage on your policy.
Collision coverage will normally pay for damage to your vehicle if you are struck by an uninsured/underinsured motorist…but here’s the kicker; collision coverage may carry a much higher deductible than UMPD.
A few notes about uninsured motorist property damage and collision coverage:
– UMPD may be mandatory – depending on which state you live in.
– UMPD may be automatically added to your policy unless you specifically reject it when you purchase coverage – again depending on which state you live in.
– If you have a multi-vehicle policy, but do not purchase collision on every vehicle, UMPD may be a good idea – the “liability only” vehicle (the one without collision or comprehensive coverage) will be covered if it is damaged by an at-fault driver (not by you as the owner- you would need collision coverage for that).
– UMPD cannot be purchased for only one vehicle per policy; it is liability coverage and therefore applies to every vehicle – you cannot do a mix-n-match of collision and UMPD by vehicle to save money. To be clear; you can pick and choose which cars to have full coverage on. (For more information, read our “Property Damage Liability vs. Physical Damage Coverage“)
– UMPD usually carries a $250 deductible – you may not get the choice to raise it in order to lower your insurance premium.
Contact your local independent insurance agent to determine the current regulations regarding UMPD in your state.
You may be able to save some money if you are in a position where the coverage is not necessary for you (or you may need it and not currently have it).
Read more: What happens if you get into an accident with an uninsured driver?
Compare Quotes From Top Companies and Save
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.