Uninsured Motorist Property Damage (UMPD)

Coverage for Your Vehicle, Not Just Your Body

While bodily injury coverage handles your medical bills, uninsured motorist property damage (UMPD) handles your *stuff* — primarily your vehicle — when an uninsured at-fault driver damages it.

It's a coverage many drivers don't realize they can have, and in some states it's an affordable alternative to collision coverage for damage caused by uninsured drivers.

What UMPD Covers

• Repairs to your vehicle after an uninsured driver hits it
• Replacement if your vehicle is totaled by an uninsured driver
• Other personal property damaged in the crash, in some states
• A lower deductible than collision, in certain states

UMPD vs. Collision Coverage

There's overlap, and the rules vary by state:

• Collision covers your vehicle's damage regardless of who's at fault, subject to your deductible — but you pay that deductible and may see a rate impact.
• UMPD specifically covers damage from an *uninsured* at-fault driver, sometimes with a lower or no deductible.

In states that offer UMPD, it can be a cost-effective way to protect your vehicle against the uninsured drivers around you — especially if you don't carry collision.

The Hit-and-Run Wrinkle

Whether UMPD covers a hit-and-run depends on your state and policy. Some states require the at-fault vehicle to be identified for UMPD to apply to property damage, while bodily injury hit-and-run rules differ. We help you understand exactly how your state treats it.

State-by-State Differences

UMPD is not available in every state, limits and deductibles vary, and some states fold this protection into other coverages. Because the rules differ so much, it's worth a quick conversation to see what's available where you live. [Get a quote](/quote) and we'll walk through your state's options.