What does uninsured motorist property damage cover?; With UMPD, if someone hits you and they don’t have insurance or are underinsured, then your car might not be a complete loss. This coverage can help cover:

  • Repair costs to fix your car
  • Extra costs if the other driver is not having enough property damage liability insurance
  • Damage to your home or other property

What uninsured motorist property damage coverage pays for

UMPD is great whether you’ve been in a car crash or just got hit by an uninsured driver. In some cases, UMPD will pay for damage to your vehicle and property caused by another motorist who doesn’t have insurance coverage; this includes paying out if the underinsured driver causes a collision as well.

There’s a limit on how much UMPD will pay out for a crash, typically the same as your property damage liability insurance. If you’re planning to hit up some other state in the near future, it might be worth checking if they require an additional deductible or not!

The insurance policy encompasses $15,000 of uninsured motorist property damage coverage with a deductible of $200; the driver who rear-ended your car caused an additional £5,000 before they drove off. You live at a place where UMPD covers hit and run accidents so you will be left to cover only the small required out-of-pocket expense for this accident.

Where is UMPD required? 

Washington, D.C., and seven states require drivers to have uninsured motorist property damage coverage on their car insurance.

Maryland requires $15,000 of UMPD, which not only protects against uninsured and underinsured drivers but also hit-and-runs. Even if the driver is unidentified, you are protected with this coverage!

New Hampshire is a no insurance state, but if you’re going to buy it anyway, the minimum amount required for combined UMPD and UIMPD coverage is $25,000.

North Carolina needs $25,000 of UMPD. It also needs to combine it with UIMPM if you purchase more than minimum liability coverage limits.

South Carolina requires $25,000 of UMPD to cover damage caused by an uninsured driver. Optional UIMPD is offered at the discretion of insurers and can be purchased separately for a monthly premium.

Vermont requires 10,000 combined UMPD and UIMD coverage.

Virginia is a great place to drive without car insurance, but if you do have it and get into an accident with someone who can’t be identified, the $200 deductible will come in handy.

Washington, D.C., needs$5,000 of UMPD per accident.

Virginia is a great place to drive without car insurance, but if you do have it and get into an accident with someone who can’t be identified, the $200 deductible will come in handy.

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Since graduating from college on the top of her class, Rhett has been with the team and has been keeping the whole team updated with the latest business trends and industrial services.