What is Uninsured Motorist Property Damage Coverage?
What happens if I am in an accident with an uninsured motorist?
Across the country, 14 percent of drivers are uninsured. In Washington State 18 percent of motorists are uninsured! If you are hit by a driver without car insurance and you don’t have uninsured motorist property damage coverage, then you will need to sue them for damages (and hope they have something to give) or pay for the expenses yourself. If you are injured by an uninsured driver and don’t have medical insurance, medical payments coverage or personal injury protection, you could end up paying for your own hospital bills. If you’re hit by an uninsured driver and don’t have collision coverage, you could end up paying your own car repair bills.
Uninsured motorist property damage (UMPD) coverage is designed to provide compensation when your insured vehicle is damaged by an accident with an uninsured vehicle. Each state sets a limit on the coverage; some are as high as the cash value of the car and some are as low as $3,500 or less. Some states have deductibles ranging from $200-$500 but many have no deductible.
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