Uninsured Motorist Property Damage

If the driver of the vehicle that caused an accident does not carry insurance, or if you were the victim of a hit-and-run accident, uninsured motorist property damage covers one of two things:

• If you do not have collision coverage, uninsured motorist property damage will pay for a certain amount of the repairs for your vehicle.
• If you do have collision coverage, uninsured motorist property damage pays for your collision deductible.

Keep in mind, uninsured motorist property damage may not pay as much as collision coverage would pay to repair your car. And some states have limits on the maximum your car insurance company will pay for repairs under uninsured motorist property damage coverage. Typically this amount is $3500, but check with your state to see what the limit is in your state.

Uninsured motorist property damage does not replace collision coverage, and only works in the event that the person responsible for the collision does not have car insurance.

This coverage may also pay for damage to other personal items involved in the accident. If the driver hits your mailbox, or if items like cell phones or computers are damaged in your car when the collision occurs, uninsured motorist property damage coverage may pay to repair or replace these items if the other driver is uninsured.