Uninsured Motorist Property Damage (UMPD)

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Key Takeaways

Uninsured motorist property damage covers repairs to your car and other property. In some cases, it even protects you if you’re hit by a driver who has no insurance or is underinsured.
This coverage is different from uninsured motorist bodily injury coverage, which pays for medical bills specifically for you or your passengers, and collision insurance. We’ve outlined the key nuances.
The availability and requirements for uninsured motorist property damage vary by state. It may be required, optional or unavailable and is offered in 25 states plus Washington, D.C.

What Is Uninsured Motorist Property Damage?

Uninsured motorists property damage (UMPD) helps protect you if a driver who doesn’t have insurance or is underinsured hits you. Also called uninsured/underinsured motorist property damage, this coverage helps cover:

Costs to repair your car after an accident
Expenses if the other driver doesn’t have enough property damage liability insurance
Damage to your home or other property caused by the other driver

With AARP^® Auto Insurance from The Hartford,¹ you can take advantage of customizable coverage options to enjoy peace of mind on the road, including uninsured motorist property damage protection.

couple protected by uninsured underinsured motorist property damage insurance from The Hartford

What Is the Difference Between Uninsured Motorist Insurance and Uninsured Motorist Property Damage?

Uninsured motorist insurance is typically broken into two separate coverages. Uninsured motorist bodily injury (UMBI) helps pay for you and your passengers’ medical bills if you’re injured in a car accident caused by an at-fault driver who doesn’t have any or enough insurance. Uninsured motorist property damage helps pay for any repairs or replacements needed if your car or property get damaged as a result.

Collision vs. Uninsured Motorist Property Damage

Understanding the differences between collision insurance coverage and UMPD coverage is essential to being prepared before you hit the road.

Collision Coverage	Uninsured Motorist Property Damage Coverage
Applies no matter who is at fault.	Only applies if the other driver is uninsured or underinsured.
Safeguards against damage from a vehicle or object (like hitting a fence).	Safeguards against damage from a vehicle driven by an uninsured or underinsured motorist only.
Usually has a deductible before insurance kicks in.	Usually no deductible.
Only applies to damage to your vehicle.	Applies to damage to your vehicle and property (like a shed) in some cases.
Typically required if you have a loan or lease; no state requirements.	Typically optional, but requirements and availability depend on where you live.

Tip:

Uninsured motorist property damage insurance can be helpful if you don’t have collision insurance for your car, as it helps pay for repairs if the costs exceed the other driver’s property damage liability limits.

What Are Uninsured Motorist Property Damage Requirements by State?

Depending on where you live, uninsured/underinsured motorist property damage coverage may be:

Required by law
Offered as an optional coverage
Unavailable

Currently, these are the states where uninsured motorist property damage coverage is available:

UMPD is available in 25 states, plus Washington, D.C.

Be aware that laws vary, and states require different policy details and liability coverage amounts. Check your state’s laws about:

Coverage limits: There may be a minimum requirement for your uninsured motorist bodily injury and personal injury liability limits.
Deductibles: Your state may have a limit for underinsured motorist property damage deductibles for different kinds of accidents.
Hit-and-run accidents: With uninsured motorist property damage, hit-and-run accidents may not be covered if the other driver is unidentified.

Do I Need Uninsured Motorist Property Damage?

Whether you need UMPD coverage depends on where you live. Even if your state doesn’t require you to carry this coverage, it may still be a good idea to have it. If an uninsured or underinsured motorist hits you, they likely won’t be able to pay the costs to repair your car. The same is true for medical expenses for any injured passengers.

Although it’s required, some drivers don’t have car insurance at all. An Insurance Research Council study found more than 1 in 7 drivers didn’t have insurance.²

Uninsured Motorist Insurance

Learn more about uninsured/underinsured motorist coverages in this video.

couple happily getting an underinsured motorist property damage insurance quote online from The Hartford

Get a Quote for Uninsured Coverage

With over 200 years of insurance experience, we understand the unique risks drivers face every day. We make it our top priority to help you get the coverage you need to drive comfortably, knowing you’re protected. To learn more, call The Hartford today at 888-546-9099 or get a quote online in minutes.

Frequently Asked Questions About Uninsured Motorist Property Damage

What Happens When an Uninsured Driver Hits You?

If you get hit by someone without insurance or a hit-and-run driver, your uninsured coverages (UMBI and UMPD) can help pay for any medical bills or repairs needed to your vehicle. If you don’t have coverage, you’ll have to pay for these expenses out of pocket.

What Does Uninsured Motorist Property Damage Cover?

Uninsured motorist property damage helps pay to fix the damage to your car if you’re hit by a driver who doesn’t have any or enough car insurance to cover the costs.

How Much Uninsured Motorist Property Damage Coverage Do I Need?

The amount of uninsured motorist property damage you need depends on your unique situation. You’ll want to ensure you have enough coverage to pay for any repairs or replacements needed if your car gets damaged by a driver without any or enough insurance.