Understanding uninsured motorist property damage coverage

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Uninsured motorist coverage, also known as UM coverage, is a type of auto insurance that provides protection in the event of an accident involving a driver who does not have insurance. This coverage is designed to financially compensate the policyholder for medical expenses, property damage and other losses caused by the uninsured driver.

Uninsured motorist coverage typically includes uninsured motorist bodily injury (UMBI) and uninsured motorist property damage (UMPD). UMBI covers medical bills for you and your passengers, while UMPD covers repairing or replacing your damaged vehicle.

Uninsured motorist coverage is not mandatory in all states but is highly recommended for all drivers. If you’re a hit-and-run accident victim, you can file a claim with your auto insurance company.

What is uninsured motorist property damage coverage?

Uninsured motorist property damage (UMPD) insurance is a type of insurance coverage that helps protect you if your vehicle is damaged in an accident caused by an uninsured or underinsured driver. In such situations, the at-fault driver may not have insurance coverage or may not have enough coverage to pay for the damages they caused. UMPD coverage covers the costs of repairing or replacing your vehicle up to the auto liability insurance limits.

How uninsured motorist property damage works

Uninsured motorist property damage insurance, also called UMPD, provides coverage for the expenses associated with repairing or replacing your vehicle if an uninsured driver hits your car. When you have this coverage, your insurance company pays for the repairs or replacement of your car up to the limits specified in your policy if the at-fault driver lacks proper insurance coverage.

In the event of an accident, if the responsible driver is uninsured or their insurance coverage is insufficient to cover the damages, you can file a claim with your own insurance company under your uninsured motorist property damage coverage. This coverage is designed to help you avoid out-of-pocket expenses and delays caused by dealing directly with an uninsured driver.

It typically covers the cost of repairing your vehicle, minus any deductible you may have, though it depends on the state.

Uninsured motorist property damage requirements by state

In six states and the District of Columbia, uninsured motorist property damage coverage is mandatory for drivers. However, in a handful of other states, UMPD is an optional coverage. In the remaining states, UMPD is not available for purchase, meaning drivers in those states do not have the option to get this particular coverage.

State	UMPD coverage requirement
Alaska	Insured may reject in writing
Alabama	Insured may reject in writing
Arkansas	Insured may reject in writing
Arizona	Optional
California	Optional
Colorado	Optional
Connecticut	Not required (Optional)
District of Columbia	UMPD required
Delaware	Insured may reject in writing
Florida	Insured may reject in writing
Georgia	Insured may reject in writing
Hawaii	Optional
Iowa	Insured may reject in writing
Idaho	Insured may reject in writing
Illinois	Optional
Indiana	Insured may reject in writing
Kansas	Insured may reject in writing
Kentucky	Optional
Louisiana	Insured may reject in writing
Massachusetts	Optional
Maryland	UMPD required
Maine	Insured may reject in writing
Michigan	Optional
Minnesota	Not required
Missouri	Not required
Mississippi	Insured may reject in writing
Montana	Insured may reject in writing
North Carolina	UMPD required
North Dakota	Not required
Nebraska	Not required
New Hampshire	Not required
New Jersey	Optional
New Mexico	Insured may reject in writing
Nevada	Optional
New York	Not required
Ohio	Optional
Oklahoma	Insured may reject in writing
Oregon	Not required
Pennsylvania	Not required
Rhode Island	Insured may reject in writing
South Carolina	UMPD required
South Dakota	Not required
Tennessee	Insured may reject in writing
Texas	Insured may reject in writing
Utah	Optional
Virginia	UMPD required
Vermont	UMPD required
Washington	Insured may reject in writing
Wisconsin	Not required
West Virginia	UMPD required
Wyoming	Insured may reject in writing

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How to buy uninsured motorist property damage insurance

Uninsured motorist property damage (UMPD) insurance is typically offered as part of an auto insurance policy and its availability and specific requirements may vary depending on your state laws and insurance provider. Here’s how to purchase uninsured motorist property damage coverage.

Check your state’s requirements: Familiarize yourself with the minimum requirements and coverage limits for UMPD insurance in your state. Each state has different regulations, so comply with your state’s laws.

Contact insurance companies: Reach out to companies offering UMPD coverage and request a quote. Typically, you can do this by phone, online or by visiting a local agent.

Compare quotes and coverage: Once you receive quotes from different insurance providers, compare them to understand their coverage, including the limits, deductibles and any additional benefits. Consider the cost, reputation, and financial stability of the insurance company.

Apply for insurance: Complete the paperwork or application process to purchase the UMPD insurance policy. You may need to provide personal information and details about your vehicle.

Pay premiums: Set up a payment plan with the insurance company to pay your premiums. This could involve making a one-time payment or setting up regular installments, depending on the terms of your policy.

Do I need UMPD coverage if I have collision and comprehensive insurance?

If you have collision coverage, you may already be covered for accident-related damage to your vehicle, so you may not need UMPD coverage. However, suppose you have comprehensive car insurance coverage but not collision coverage. In that case, it’s worth considering UMPD so you can at least be covered for vehicle damage caused by uninsured drivers.

Sources:

The Hartford. “Uninsured Motorist Property Damage (UMPD).” Accessed May 2023.
Progressive. “Uninsured motorist property damage vs. collision coverage.” Accessed May 2023.
Progressive. “Uninsured Motorist Insurance.” Accessed May 2023.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.