What is uninsured motorist property damage?

Uninsured motorist property damage (UMPD) is a type of auto insurance that covers damage to your vehicle caused by a driver who is uninsured or underinsured. It is similar to collision insurance, but it covers a wider range of scenarios. For example, UMPD will cover damage to your vehicle if you are hit by a driver who:

* Does not have auto insurance

* Has auto insurance, but their policy limits are not enough to cover the damage to your vehicle

* Leaves the scene of the accident and cannot be identified

UMPD can also cover damage to your vehicle if it is vandalized or stolen by an uninsured or underinsured person. The amount of coverage you can purchase varies by insurance company, but it is typically available in increments of $5,000 or $10,000.

UMPD is not required by law in all states, but it is recommended for drivers who live in states with a high number of uninsured motorists. In some states, you may need to sign a document acknowledging that you have rejected UMPD coverage before you can purchase an auto insurance policy.

If you are considering purchasing UMPD coverage, be sure to talk to your insurance agent about the pros and cons and to make sure that you are getting the amount of coverage that you need.