What Is Uninsured Motorist Property Damage (UMPD) Coverage?

Uninsured Motorist Property Damage (UMPD) coverage is a type of car insurance that covers any damage on your vehicle caused by an uninsured driver. UMPD will pay to repair the damage, but it won’t pay you to replace your vehicle if it’s totaled because of the accident or to cover any medical bills resulting from the accident. If you have UMPD, it’s important to be aware of some additional limitations and costs associated with this coverage.

What Is Uninsured Motorist Property Damage (UMPD) Coverage?

Uninsured Motorist Property Damage (UMPD) coverage is a type of car insurance that covers any damage on your vehicle caused by an uninsured driver in the event that you are involved in an accident with them. If your car has been involved in an accident and it is not your fault, UMPD coverage will help you out with expenses such as towing charges, storage fees, and if you need to replace damaged parts on your vehicle.

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What Is Uninsured Motorist Property Damage (UMPD) Coverage?

Uninsured Motorist Property Damage (UMPD) coverage is a type of car insurance that covers any damage on your vehicle caused by an uninsured driver. UMPD will pay to repair the damage, but it won’t pay you to replace your vehicle if it’s totaled because of the accident or to cover any medical bills resulting from the accident. If you have UMPD, it’s important to be aware of some additional limitations and costs associated with this coverage.

Uninsured Motorist Property Damage Insurance

There are two types of UM/UIM insurance coverage: personal and commercial. Personal UM/UIM insurance covers vehicles registered in your name as well as any leased vehicles. Commercial UM/UIM insurance covers all vehicles, including ones owned by a business, nonprofit organization, or religious organization. A typical policy includes both bodily injury liability coverage and uninsured motorist property damage (UMPD) coverage.

How Does Uninsured Motorist Property Damage Work?

UMPD coverage is a component of a standard car insurance policy. It provides benefits to policyholders that are involved in an accident with an uninsured driver or one that does not have enough insurance to cover any damages done to their vehicle or property. UMPD coverage will compensate you for those damages and help cover associated expenses if there is no way you can do so yourself. UMPD can also be used to pay for damage done to your property in these situations as well.

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How Much Does UMPD Cost?

UMPD coverage is similar to personal injury protection or PIP coverage, but it covers damage done to your vehicle. UMPD coverage can be purchased on its own as a standalone policy or added to an existing insurance policy. The amount of UMPD coverage you should get will depend on what you would want to pay for repairs in case of damage caused by an uninsured driver. In most states, if a victim’s injuries are worth less than $15,000 and property damage costs less than $5,000, drivers won’t have to worry about paying out-of-pocket for their medical bills or car repairs because they’re covered by auto insurance.

Can I Get Discounts On My Policy Without UMPD Insurance?

Absolutely! As a matter of fact, it’s always a good idea to have your insurance agent on speed dial. The bulk of your coverage is handled by that person. UMPD, however, may not be an option with certain policies. Also, be sure to get a copy of your policy and double-check you aren’t already covered for property damage caused by an uninsured driver. If you are covered for both UMPD and property damage under your policy then there is no need to get additional UMPD coverage.

Do I Need To Talk To My Insurance Agent If I Already Have Car Insurance For My Vehicle(s)?

If you’re a current customer, give your agent a call or shoot them an email to see if they can add UMPD coverage to your policy. Many insurance agents and companies will be able to tell you over the phone whether UMPD is right for you. But if not, then that’s where an in-person visit comes in handy. As a general rule of thumb, unless your vehicle was purchased new within the last year or two, chances are good that UMPD isn’t something that needs to be bought through your car insurance provider. In most cases, when it comes to car insurance and UMPD coverage, in particular, shopping around and checking with multiple providers is more than worthwhile.

When Would I Use A Lawyer For Help With My Claim Or Auto Accident Case?

If you have been in an auto accident with an uninsured driver, or one who does not have enough insurance to cover your damages, it may be time to contact a lawyer. Insurance companies are going to do their best to pay you as little as possible when it comes to your claim. A good attorney can review all of your case details and make sure that you get what is coming to you for all injuries suffered and repairs needed on your vehicle after a car accident. If anyone was injured in an accident that was not at fault, also contact a lawyer as soon as possible. This will ensure that any medical bills incurred from injury will be paid and not added to your auto insurance bill.

Conclusion

Uninsured Motorist Property Damage (UMPD) coverage provides financial protection against physical damage to your vehicle caused by an uninsured driver. Without UMPD coverage, an accident with an uninsured driver could leave you with hefty bills, as you would not be able to recover the costs of repairing your vehicle from the at-fault driver’s insurance company.

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