Uninsured Motorist Insurance Coverage
What is Uninsured Motorist
Property Damage Coverage?
Available in a small number of states, uninsured motorist property damage coverage pays for damage to your vehicle when it is struck by an uninsured driver, a hit-and-run driver, or an insured driver whose property damage liability limit is inadequate to cover the property damage losses incurred.
Insurance Coverage availability varies by state
Determining Your Limits for Uninsured Motorist Coverage
Consider a limit of liability for your uninsured motorist property damage coverage that will be sufficient to cover your vehicle in the event that you are in an accident with a hit-and-run driver, a driver with no auto insurance coverage, or a driver who has some insurance coverage, but not enough to cover the damage to your vehicle.
When Uninsured Motorist Property Damage Coverage Comes in Handy
Let's say you're out running your typical Saturday errands when suddenly, the car in the next lane swerves out of control and sideswipes your vehicle.
You come out without a scratch – but your car isn’t so fortunate. There is significant body damage and as it turns out, the driver that hit you doesn’t have insurance.
Luckily, you have enough uninsured motorist property damage coverage to pick up the tab. If you didn’t have enough of this coverage, you might be protected by other policy coverages. If not, you’d have to pay the repair bill yourself.