What is Uninsured Motorist Property Damage Coverage?
Uninsured motorist property damage coverage helps pay 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 not enough to cover the full amount of property damage losses incurred. The availability of this type of car insurance coverage varies by state.
Determining Your Limits for Uninsured Motorist Property Damage Coverage
Consider a limit 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. Uninsured Motorists property damage coverage can be especially valuable if you do not have collision coverage on your vehicle. If not, you’d have to pay the repair bill yourself.
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