Uninsured Motorist Property Damage (UMPD) Coverage (2024)
Uninsured motorist property damage (UMPD) coverage is mandatory in six states, although some states may give you the option to pay an uninsured motorist fee to the DMV instead of purchasing UMPD insurance. UMPD will pay for your property damage bills if the driver who hit you doesn't have insurance.
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Rachel Bodine
Feature Writer
Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...
Feature Writer
UPDATED: Sep 28, 2023
It’s all about you. We want to help you make the right coverage choices.
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 28, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Drivers must carry uninsured motorist property damage insurance in several states
- You usually get uninsured and underinsured motorist coverages together
- Underinsured motorist property damage insurance won’t cover medical bills from the accident
Uninsured motorist property damage (UMPD) coverage is an important coverage to have for most drivers. If your car or property gets damaged by a driver without car insurance, uninsured motorist property damage will cover your repair bills.
Not all states require uninsured motorist property damage insurance, but you may want to consider buying it from the best auto insurance companies if you live in a state with multiple uninsured drivers.
Continue reading to learn more about uninsured motorist property damage insurance and which states require you to carry it. If you want to look into buying affordable UMPD auto insurance coverage today, use our free quote comparison tool to get started.
Uninsured Motorist Property Damage Coverage Explained
Uninsured motorist property damage protects you if the at-fault driver can’t pay for your car or property damages because they don’t have auto insurance.
Usually, insurers sell the coverage as a package deal with underinsured motorist property damage, which kicks in when the driver’s insurance limits aren’t high enough to cover all property damage bills.
If you are trying to decide between cheap full coverage auto insurance and minimum liability auto insurance coverage, take a look at the chart below. You can compare the average annual full vs. minimum coverage rates for some of the top U.S. auto insurance companies.
Uninsured motorist property damage coverage is also usually sold alongside uninsured motorist (UM) coverage, which pays for your medical bills if the other driver doesn’t have liability insurance to pay them.
What Uninsured Motorist Property Damage Covers
Uninsured motorist property damage covers any car or property damages caused by another driver who can’t pay your bills. So whether you get rear-ended by another driver or a driver crashes into your fence, uninsured motorist property damage ensures your repairs get covered if the other driver doesn’t have insurance.
Some situations that uninsured motorist property damage covers are listed below:
- A driver sideswipes your car in a parking lot.
- A driver rear-ends you.
- A driver crashes into your fence and damages it.
Your uninsured motorist property damage has coverage limits detailed in your policy. For example, your uninsured motorist property damage may only cover up to $20,000 of damages — anything beyond you’ll have to pay out of pocket.
Your auto insurance company may also have auto insurance deductibles for this coverage, which is the amount you agree to pay after an accident. So if you have a $500 deductible and $1,500 of damages, your car insurance company will only give you $1,000 for property damage repairs.
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States That Require Uninsured Motorist Property Damage Coverage
The minimum auto insurance required in each state varies, but numerous states require drivers to carry uninsured motorist property damage insurance. Look at the table below to see which states require uninsured motorist property damage coverage and the minimum limits for each state.
Uninsured Motorist Coverage Limits Required by State
State UM or UM/UIM Required Coverage Limits
Connecticut UM/UIM Bodily injury coverage $25,000 per person, $50,000 per accident
District of Columbia UM Bodily injury coverage of at least $25,000 per person, $50,000 per accident
Property damage coverage of at least $5,000 per accident, subject to a $200 deductible
Illinois UM/UIM Bodily injury coverage of at least $25,000 per person, $50,000 per accident
Maine UM/UIM Bodily injury coverage of at least $50,000 per person, $100,000 per accident
Maryland UM/UIM Bodily injury coverage of at least $30,000 per person, $60,000 per accident
Property damage coverage of at least $15,000 per accident
Massachusetts UM/UIM Bodily injury coverage of at least $20,000 per person, $40,000 per accident
Minnesota UM/UIM Bodily injury coverage of at least $25,000 per person, $50,000 per accident
Missouri UM Bodily injury coverage of at least $25,000 per person, $50,000 per accident
Nebraska UM/UIM Bodily injury coverage of at least $25,000 per person, $50,000 per accident
New Hampshire UM/UIM Bodily injury coverage of at least $25,000 per person, $50,000 per accident
New Jersey UM/UIM Drivers can choose to add coverage
New York UM/UIM Bodily injury coverage of at least $25,000 per person, $50,000 per accident
North Carolina UM/UIM Bodily injury coverage of at least $30,000 per person, $60,000 per accident
Property damage coverage of at least $25,000 per accident
North Dakota UM/UIM Bodily injury coverage of at least $25,000 per person, $50,000 per accident
Oregon UM/UIM Bodily injury coverage of at least $25,000 per person, $50,000 per accident
South Carolina UM Bodily injury coverage of at least $25,000 per person, $50,000 per accident
Property damage coverage of at least $25,000 per accident, subject to a $200 deductible
South Dakota UM/UIM Bodily injury coverage of at least $25,000 per person, $50,000 per accident
Vermont UM/UIM Bodily injury coverage of at least $50,000 per person, $100,000 per accident
Property damage coverage of at least $10,000 per accident, subject to a $150 deductible
Virginia UM/UIM Bodily injury coverage of at least $25,000 per person, $50,000 per accident
Property damage coverage of at least $20,000 per accident, subject to a $200 deductible
West Virginia UM Bodily injury coverage of at least $25,000 per person, $50,000 per accident
Property damage coverage of at least $25,000 per accident
Wisconsin UM Bodily injury coverage of at least $25,000 per person, $50,000 per accident
Some states requiring drivers to carry the highest amounts of property damage uninsured motorist coverage include North Carolina, South Carolina, and West Virginia. Remember that drivers need both underinsured and uninsured motorist coverage in most states.
States That Don’t Require Uninsured Motorist Property Damage Insurance
In all other states, uninsured motorist property damage insurance is optional. While you aren’t required to carry uninsured motorist property damage insurance in these states, we recommend carrying it if you can afford it. Otherwise, you’re responsible for accident bills if a driver doesn’t have insurance.
The Final Word on Uninsured Motorist Property Damage Insurance
Uninsured motorist property damage insurance pays for any car or property damages if the other driver doesn’t have insurance. Not all states require this auto insurance coverage, but it can be helpful, even if your state doesn’t require it.
Drivers should shop around for quotes to find the best rates on uninsured motorist property damage insurance. Use our free quote comparison tool to find your area’s best car insurance rates.
Frequently Asked Questions
Do drivers need to carry uninsured motorist property damage if they already have comprehensive and collision insurance?
Drivers must carry uninsured motorist property damage if their state requires it, even if they already have collision and comprehensive auto insurance. However, if your state doesn’t require uninsured motorist property damage, you may choose not to carry it.
Remember that comprehensive and collision insurance covers damages in accidents you cause, which is the opposite of uninsured motorist coverage. Therefore, you’ll still be unprotected if your car or property gets damaged by another driver without insurance.
Comprehensive insurance pays for damages to your car from animal collisions, weather, and theft, whereas collision pays for your vehicle damages if you collide with another vehicle or object.
Do drivers need uninsured motorist property damage insurance?
You need uninsured motorist property damage insurance if your state requires you to carry it. While you don’t need to carry it if you live in a state where it’s not required, you may want to consider adding it to your policy if there’s a high number of uninsured drivers in your state.
What is the difference between uninsured motorist coverage vs. collision coverage?
Uninsured motorist coverage pays for your car or property damages if another driver causes the accident and doesn’t have insurance. Collision coverage pays for your car and property damages if you cause the accident.
What is Uninsured Motorist Property Damage (UMPD) coverage?
Uninsured Motorist Property Damage (UMPD) coverage is an optional auto insurance coverage that protects you if your vehicle is damaged in an accident caused by an uninsured driver or a hit-and-run driver. It covers the repair or replacement costs of your vehicle up to the limits of the coverage, minus any deductibles.
Is UMPD coverage mandatory?
UMPD coverage is not typically mandatory in most states. However, some states may require drivers to carry Uninsured Motorist (UM) coverage, which includes coverage for both bodily injury and property damage. It’s important to check your state’s insurance requirements to determine whether UMPD coverage is mandatory or optional.
Do I need UMPD insurance in PA?
UMPD insurance is not required in Pennsylvania.
Do I need UMPD insurance in California?
UMPD insurance is not required in California.
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Rachel Bodine
Feature Writer
Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...
Feature Writer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
