StateCover Guide
Glossary

Uninsured motorist property damage (UMPD)

By Editorial team, last reviewed

Quick answer

Uninsured motorist property damage (UMPD) is the part of uninsured motorist coverage that pays to repair your car when a driver without insurance damages it. It is separate from uninsured motorist bodily injury (UMBI), which pays for injuries.

How it works

The details depend on your state and policy:

  • Identified driver. California's insurance department describes UMPD as paying for damage to your car in a collision with an identified uninsured driver. So a hit-and-run by an unknown driver may not qualify there.
  • Hit-and-run. Texas's uninsured/underinsured motorist coverage, by contrast, pays for hit-and-run crashes, as long as you reported the crash to the police.
  • Deductible. In Texas, you pay a deductible on uninsured/underinsured motorist claims, just as you would on a collision claim.
  • Rental. Texas notes that your insurer will pay for a rental car when you have UM/UIM coverage and the at-fault driver had no insurance, or not enough.

UMPD vs collision

Collision coverage pays to repair or replace your car after an accident, whoever caused it, minus your deductible. UMPD pays only when an uninsured driver is responsible. If you already carry collision, compare the two before buying UMPD, since it adds protection only for crashes caused by uninsured drivers. It matters most if you don't carry collision at all.

Example: an identified uninsured driver causes $4,000 of damage to your car. Without UMPD or collision, you would have to pursue the driver yourself. With UMPD, your own insurer pays, minus any deductible.

Sources

Last reviewed by the StateCover Guide editorial team. See our editorial policy. Spotted an error? Tell us.