When To Buy Uninsured Property Damage Auto Insurance Coverage
Posted by Tom Carolan on Sat, Jun 19, 2010 @ 12:27 PM
Uninsured property damage is coverage for your vehicle when damage is done by a driver without any auto insurance.
When a driver doesn't carry any collision coverage, the Uninsured Motorist Property Damage plan will cover up to a set cost for repairs to the vehicle that is insured. However, there are a few states that limit the amount to $3500, with some being a lower amount, and others being a higher amount. In a few states, when the driver has collision as part of their auto insurance policy, the Uninsured Motorist Property Damage portion of the policy will only pay towards the collision deductible.
This type of coverage is not meant to substitute for collision coverage. By itself, uninsured motorist property damage isn't sufficient to provide coverage for all of the vehicle's necessary repairs or cost of replacement. This type of coverage only comes into play when the other driver in the accident causes the accident and they don't have insurance coverage.